ABCDEFGHIJKLMNOPQRSTUVWXYZ
1
This is a READ ONLY version. Feel free to download your own
2
version so you can add your own data. Go into the menu above and select
3
File/Make a Copy
4
5
Welcome to our spreadsheet version of the Consumer's Almanac. This is meant to supplement the brochure
6
that has been provided to you through the AFSA Education Foundation. Feel free to use this version or anything else
7
that you think can help you get on track to better budgeting behaviors! The spreadsheets can help with quick math and
8
provides the ability to change your budgeting assumptions on the fly.
9
10
DON'T BE OVERWHELMED! Look at each tab as a separate tool to help you put together your budget.
11
12
A couple of quick thoughts on each tab...
13
14
Quick Calc's is simply a sheet that provides quick math for using in portions of the budget worksheet. It also provides
15
some formulas for determining debt paydowns
16
17
PayDay Tab: Provides different looks at how paychecks are presented on a budget. Also helpful calcs for determining monthly
18
and annual pay. Finally, provides ranges of what changes in hours and/or pay rate can do to weekly, monthly and annual amounts.
19
20
Net Worth tab: Uses the methodology provided in the book. The spreadsheet provides the ability to quickly update
21
results as frequently as desired. We recommend updating every 3-6 months. Also, you'll have the convenience of seeing
22
previous calculations so changes can be more easily observed.
23
24
Monthly Expenses tab: Use this tab to list monthly expenses by date. It serves as a stand-alone reminder for planning
25
purposes or can be used to help put together the Monthly Budget tab.
26
27
Periodic Expenses tab: This is a helpful tab that we show in our budgeting workshops. This helps determine major periodic
28
expenses and provides a monthly allocation if so desired.
29
30
Monthly Budget tab: This is an electronic version of pages 14-17 of the workbook. It is useful for stringing together
31
several months of budgets. Don't forget to use the FILL RIGHT (CTRL - R) command to help input fixed monthly numbers
32
in the expense lines.
33
34
Calendar Tab: The calendar tab provides printable monthly budget pages. Simply type in the first day of the year in the
35
January heading cell (i.e. click on the box where it says "January 2021" and type in "1/1/20xx" and that year's
36
calendar will appear). The calendar is formatted so that you can print each month separately on a page.
37
38
Tom's Disclaimer:
39
This is just me messing around with a spreadsheet to help people work through the budgeting process.
40
Consider it my "first pancakes," meaning I will make it better over time and there may be some bugs in it.
41
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!
42
43
Here is my email:
tnapholz@illinoiscccs.org
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100