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