Financial Tracking
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Pay Period12/15-12/311/1-1/141/15-1/312/1-2/142/15-2/283/1-3/143/15-3/314/1-4/154/15-4/305/1-5/145/15-5/306/1-6/146/15-6/307/1-7/147/15-7/318/1-8/148/15-8/319/1-9/149/15-9/3010/1-10/1410/15-10/3111/1-11/1411/15-11/3012/1-12/14
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Pay DayJan 1Jan 2Feb 1Feb 2Mar 1Mar 2Apr 1Apr 2May 1May 2Jun 1Jun 2July 1July 2August 1August 2September 1September 2October 1October 2November 1November 2December 1December 2Total
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Fixed Income$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$3,000$72,000
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Rollover$0
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Extra Income$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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Fixed Bills
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Cash$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$100$2,400
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Taxes$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$480$11,520
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Goals%
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Bonds (10%)10%$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$4,728
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Stocks (10%)10%$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$152$242$4,728
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House (80%)80%$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$1,216$1,936$37,824
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FIRE (70%)$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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Boat (10%)$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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Flexible Bills
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Misc$0
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Living Expenses$900$0$900$0$900$0$900$0$900$0$900$0$900$0$900$0$900$0$900$0$900$0$900$0$10,800
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Tourism$0
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Tech$0
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Total Expenses$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$1,480$580$24,720
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Total To Invest$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420$1,520$2,420
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Difference$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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Extra Income to Invest
%
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House (100%)100%$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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FIRE (50%)$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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Boat (50%)$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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Notes:
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This sheet is set up with the assumption that you will get paid twice a month and receive a set amount each month with some potential side income. If those assumptions aren't true, you'll need to play around with the sheet to fix your scenario.
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I treat my financial goals as bills that must be paid each pay period.
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I don't believe in traditional budgets, so I just lump living expense into one cost. I don't split it out by cost, but you can if you really want to (but it's a waste of time IMO)
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Explanations:
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"Pay Day" - This is each check I get. Jan 1/Jan 2 means first check in Jan and second check in Jan.
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"Extra Income" - This accounts for any extra income I earn during that pay period either from working extra hours at work, or doing side hustle.
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"Rollover" - I manage my money so that on the day I get paid, any money remaining in my checking account since the last paycheck gets allocated to my goals. So, I put that money into the Rollover cell and it's automatically allocated based on my goals
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"Cash" - This is how much I keep in my checking account on a regular basis. I put 99% of my expenses on my credit card (indicated in the "Living Expenses" cell) so I keep minimal cash on hand. When I'm in a cash centric place, I raise my "Cash" amount and lower my "Living Expenses" amount for that month.
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"Taxes" - I'm 1099 so I have to save money towards my taxes each pay period. It's auto calculated from "Fixed + Extra Income". You can delete this row if you don't need this.
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"Goals" - These are the financial goals that I'm working towards this year with how much of my "Total to Invest" that I want to put towards that goal each paycheck.
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"FIRE" = Financial Independence/Retire Early. Basically, saving enough money to have the choice to never have to work again if you eon't want to.
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% - This is how much of my money to invest each check should be allocated to each goal. I only enter % amounts for active goals as this number is used for a calculation. When a goal is no longer active, I leave it blank.
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"Fixed Bills" - These are set expenses that occur each pay period.
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"Flexible Bills" - These are expenses that can change each period. The amounts added here impact the calculations in the pink areas.
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"Extra Income To Invest" - This shows how to allocate the money from the extra income towards your goals.
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Grey areas - These are auto calculated. You should not change these unless you absolutely must.
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Pink areas - These are auto calculated. As you pay your goals each pay period, you should enter the amount you actually paid to replace the calculaton. You want to do this because if you change your % allocation mid-year, any cell that hasn't been replaced will recalculate and throw your totals off.
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Yellow Areas - You should change these to fit your needs.
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