This is a READ ONLY version. Feel free to download your own
version so you can add your own data. Go into the menu above and select
File/Make a Copy
Welcome to our spreadsheet version of the Consumer's Almanac. This is meant to supplement the brochure
that has been provided to you through the AFSA Education Foundation. Feel free to use this version or anything else
that you think can help you get on track to better budgeting behaviors! The spreadsheets can help with quick math and
provides the ability to change your budgeting assumptions on the fly.
DON'T BE OVERWHELMED! Look at each tab as a separate tool to help you put together your budget.
A couple of quick thoughts on each tab...
Quick Calc's is simply a sheet that provides quick math for using in portions of the budget worksheet. It also provides
some formulas for determining debt paydowns
PayDay Tab: Provides different looks at how paychecks are presented on a budget. Also helpful calcs for determining monthly
and annual pay. Finally, provides ranges of what changes in hours and/or pay rate can do to weekly, monthly and annual amounts.
Net Worth tab: Uses the methodology provided in the book. The spreadsheet provides the ability to quickly update
results as frequently as desired. We recommend updating every 3-6 months. Also, you'll have the convenience of seeing
previous calculations so changes can be more easily observed.
Monthly Expenses tab: Use this tab to list monthly expenses by date. It serves as a stand-alone reminder for planning
purposes or can be used to help put together the Monthly Budget tab.
Periodic Expenses tab: This is a helpful tab that we show in our budgeting workshops. This helps determine major periodic
expenses and provides a monthly allocation if so desired.
Monthly Budget tab: This is an electronic version of pages 14-17 of the workbook. It is useful for stringing together
several months of budgets. Don't forget to use the FILL RIGHT (CTRL - R) command to help input fixed monthly numbers
in the expense lines.
Calendar Tab: The calendar tab provides printable monthly budget pages. Simply type in the first day of the year in the
January heading cell (i.e. click on the box where it says "January 2021" and type in "1/1/20xx" and that year's
calendar will appear). The calendar is formatted so that you can print each month separately on a page.
This is just me messing around with a spreadsheet to help people work through the budgeting process.
Consider it my "first pancakes," meaning I will make it better over time and there may be some bugs in it.
If you find bugs, feel free to let me know so I may fix them. If you think of other things to add here, let me know that too!