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[null,"How To Use The Simple Budgeting Worksheet"]
[null,"Copyright © 2018 Enrich - The Ultimate Resource for Understanding Money and Making Wise Financial Decisions"]
[null,"Actuals Summary Tab - [no action required]"]
[null,"Do not enter any amounts on this page. Amounts will populate based on any monthly tab completed. This tab will show the actual amounts paid by month for any section of the budget calculator which is completed."]
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[null,"Variance Summary Tab - [no action required]"]
[null,"Do not enter any amounts on this page. Amounts will populate based on any monthly tab completed. This tab will show the difference of what was planned and what was actually paid, by month, for any section of the budget calculator which is completed."]
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[null,"Monthly Tabs - [start with the tab below titled after the current month]"]
[null,"At the beginning of each month or year it is recommended to budget or plan on spending an amount for each expense working from top to bottom. At the end of each month it is recommended to enter the actual amount spent for each projected expense and those which were not expected. By budgeting for each expense an individual should be able to identify any excess spending or possible savings, and set goals for the future."]
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[null,"Definitions of Expense Types"]
[null,"INCOME"]
[null,"Your Job","Your monthly take home pay (the amount you receive after taxes and benefit contributions). Include your spouse's or partner's pay if making a family budget"]
[null,"Your Spouse or Partner's Job","Optionally, include your spouse or partner's monthly take home pay, if preparing a family budget"]
[null,"Other","Any additional sources of income (e.g., investment and rental income, government benefits, child support, alimony, etc.)"]
[null,"SAVINGS EXPENSES"]
[null,"Emergency Fund","Once you have cleared your debt or other obligations, it is generally recommended to have at least 6 months of living expenses saved for unplanned emergencies"]
[null,"New Car","Your monthly savings amount for a future car or other form of transportation"]
[null,"House Down Payment","Your monthly savings amount for a down payment on a home"]
[null,"Next Vacation","Your monthly savings amount for a future vacation"]
[null,"INVESTING EXPENSES"]
[null,"Retirement","Your monthly contribution(s) to retirement accounts. If enrolled in an employer-sponsored retirement account, don't include employer sponsored retirement account or anything deducted from your paycheck."]
[null,"Investing","Your monthly contribution(s) to investment accounts over and above retirement"]
[null,"HOME EXPENSES"]
[null,"Housing","Your monthly payment for rent, dorm, or mortgage (and associated costs like renter's insurance)"]
[null,"Utilities","Monthly bills for things like water, electricity, gas, garbage, etc."]
[null,"TV / Internet / Phone","Monthly bills for things like your cell phone, cable, internet, Netflix, etc."]
[null,"Groceries","Your monthly budget to stock your apartment, dorm, or home with food and drink"]
[null,"PERSONAL/ FAMILY EXPENSES"]
[null,"Giving","Your monthly budget for charitable giving"]
[null,"Childcare","Monthly bills for day care, babysitters, etc."]
[null,"Pet care","Monthly budget for pet food, grooming, veterinary care, etc."]
[null,"Giving","Your monthly budget for charitable giving"]
[null,"CAR/ TRANSPORTATION EXPENSES"]
[null,"Car Payment(s)","Your monthly payment(s) for auto loan(s)"]
[null,"Fuel","Your monthly budget for gas and other auto fuel"]
[null,"Car Maintenance","Your monthly budget for maintenance and repairs to your car or motorcycle"]
[null,"HEALTH & WELLNESS EXPENSES"]
[null,"Fitness / Beauty","Your monthly bills for things like the gym, salon, massages, yoga, and spa services"]
[null,"Medical Care","Your monthly budget for doctor's visit, copays, prescriptions, etc."]
[null,"Toiletries ","Your monthly budget for toiletries and personal health items"]
[null,"FUN EXPENSES"]
[null,"Dining / Going Out","Your monthly budget for going out to dinner, the movies, sports games, etc."]
[null,"Clothes","Your monthly budget for new clothes"]
[null,"Shopping","Your monthly budget for shopping and buying things just for fun "]
[null,"Travel","Your monthly budget for small trips and travel"]
[null,"Gifts","Your monthly budget for buying friends and family birthday, holiday, shower, etc. gifts"]
[null,"DEBT EXPENSES"]
[null,"Credit Cards","Your monthly target to pay down credit card debt you are carrying from month to month"]
[null,"Student Loan Repayment","Your monthly student loan bills (only include if you are currently repaying your student loans)"]
[null,"INSURANCE EXPENSES"]
[null,"Health Insurance","Your monthly premium. If enrolled in a healthcare plan through your employer, only include your share of the monthly premium as your employer is likely contributing toward the total monthly cost.\n"]
[null,"Auto Insurance","Your monthly premium. Include your spouse's auto premium if making a family budget."]
[null,"Life / Disability Insurance","Your monthly life and disability coverage (don't include if it is already deducted from your paycheck)"]

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[null,"Annual Summary - Budgeting Details"]
[]
[]
[]
[null,"Monthly Actuals"]
[null,null,{"$f":"Data!C1","v":"January"},{"$f":"Data!D1","v":"February"},{"$f":"Data!E1","v":"March"},{"$f":"Data!F1","v":"April"},{"$f":"Data!G1","v":"May"},{"$f":"Data!H1","v":"June"},{"$f":"Data!I1","v":"July"},{"$f":"Data!J1","v":"August"},{"$f":"Data!K1","v":"September"},{"$f":"Data!L1","v":"October"},{"$f":"Data!M1","v":"November"},{"$f":"Data!N1","v":"December"},"Total"]
[null,{"$f":"Data!B14","v":"Income"},{"$f":"Data!C14","v":0},{"$f":"Data!D14","v":0},{"$f":"Data!E14","v":0},{"$f":"Data!F14","v":0},{"$f":"Data!G14","v":0},{"$f":"Data!H14","v":0},{"$f":"Data!I14","v":0},{"$f":"Data!J14","v":0},{"$f":"Data!K14","v":0},{"$f":"Data!L14","v":0},{"$f":"Data!M14","v":0},{"$f":"Data!N14","v":0},{"$f":"SUM(C7:N7)","v":0}]
[]
[null,{"$f":"Data!$B2","v":"SAVINGS"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B9, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},{"$f":"SUM(C9:N9)","v":0}]
[null,{"$f":"Data!$B3","v":"INVESTING"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B10, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[null,{"$f":"Data!$B4","v":"HOME"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B11, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[null,{"$f":"Data!$B5","v":"PERSONAL/ FAMILY"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B12, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[null,{"$f":"Data!$B6","v":"CAR/ TRANSPORTATION"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B13, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[null,{"$f":"Data!$B7","v":"HEALTH & WELLNESS"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B14, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[null,{"$f":"Data!$B8","v":"FUN"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B15, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[null,{"$f":"Data!$B9","v":"DEBT"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B16, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[null,{"$f":"Data!$B10","v":"INSURANCE"},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(C$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(D$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(E$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(F$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(G$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(H$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(I$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(J$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(K$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(L$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(M$6, Data!$B$1:$N$1,0))","v":0},{"$f":"INDEX(Data!$B$2:$N$11, MATCH($B17, Data!$B$2:$B$10, 0), MATCH(N$6, Data!$B$1:$N$1,0))","v":0},0]
[]
[null,"Total Expense",{"$f":"SUM(C9:C17)","v":0},{"$f":"SUM(D9:D17)","v":0},0,0,0,0,0,0,0,0,0,0,0]
[]
[null,{"$f":"Data!B16","v":"Savings"},{"$f":"Data!C16","v":0},{"$f":"Data!D16","v":0},{"$f":"Data!E16","v":0},{"$f":"Data!F16","v":0},{"$f":"Data!G16","v":0},{"$f":"Data!H16","v":0},{"$f":"Data!I16","v":0},{"$f":"Data!J16","v":0},{"$f":"Data!K16","v":0},{"$f":"Data!L16","v":0},{"$f":"Data!M16","v":0},{"$f":"Data!N16","v":0},{"$f":"SUM(C21:N21)","v":0}]
[]
[null,"The summary above shows the actual amounts entered for each month, for each expense type, so you can see how much is being spent on an annual basis. For a very consistent spender, each expense type will be the same from one month to the next, but slight variations are normal."]
[]
[]
[]
[null,"% of Total"]
[null,null,{"$f":"Data!C1","v":"January"},{"$f":"Data!D1","v":"February"},{"$f":"Data!E1","v":"March"},{"$f":"Data!F1","v":"April"},{"$f":"Data!G1","v":"May"},{"$f":"Data!H1","v":"June"},{"$f":"Data!I1","v":"July"},{"$f":"Data!J1","v":"August"},{"$f":"Data!K1","v":"September"},{"$f":"Data!L1","v":"October"},{"$f":"Data!M1","v":"November"},{"$f":"Data!N1","v":"December"},"Total"]
[null,{"$f":"Data!B14","v":"Income"},{"$f":"C7/$O7","v":{"$error":"#DIV/0!"}},{"$f":"D7/$O7","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C29:N29)","v":{"$error":"#DIV/0!"}}]
[]
[null,{"$f":"Data!$B2","v":"SAVINGS"},{"$f":"C9/$O9","v":{"$error":"#DIV/0!"}},{"$f":"D9/$O9","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C31:N31)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Data!$B3","v":"INVESTING"},{"$f":"C10/$O10","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C32:N32)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Data!$B4","v":"HOME"},{"$f":"C11/$O11","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C33:N33)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Data!$B5","v":"PERSONAL/ FAMILY"},{"$f":"C12/$O12","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C34:N34)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Data!$B6","v":"CAR/ TRANSPORTATION"},{"$f":"C13/$O13","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C35:N35)","v":{"$error":"#DIV/0!"}}]
[null,{"$f":"Data!$B7","v":"HEALTH & WELLNESS"},{"$f":"C14/$O14","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[null,{"$f":"Data!$B8","v":"FUN"},{"$f":"C15/$O15","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[null,{"$f":"Data!$B9","v":"DEBT"},{"$f":"C16/$O16","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[null,{"$f":"Data!$B10","v":"INSURANCE"},{"$f":"C17/$O17","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[]
[null,"Total Expense",{"$f":"C19/$O19","v":{"$error":"#DIV/0!"}},{"$f":"D19/$O19","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C41:N41)","v":{"$error":"#DIV/0!"}}]
[]
[null,{"$f":"B21","v":"Savings"},{"$f":"C21/$O21","v":{"$error":"#DIV/0!"}},{"$f":"D21/$O21","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$f":"SUM(C43:N43)","v":{"$error":"#DIV/0!"}}]
[]
[null,"This summary converts the actual monthly total amounts into a percentage of the annual total for each expense type. "]
{"$rows_empty":25}
[null,"This line graph connects monthly totals for Income, Expenses, and Savings. In a perfect example, each line will be straight or show a pattern for the entire year meaning you have a very predictable budget. "]
{"$rows_empty":23}
[{"$nulls":5},{"$f":"B9&\": \"&TEXT(O9/$O$19, \"0%\")","v":{"$error":"#DIV/0!"}}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
[{"$nulls":5},{"$error":"#DIV/0!"}]
{"$rows_empty":15}
[null,"This pie chart shows a percentage for each expense type as a percentage of all annual expenses. This will show where the bulk of your income is being spent."]

{"sheet":"Variance summary","index":2,"n_rows":116,"n_cols":17,"rows_kept":116,"cut":false,"hidden":false,"merged":[[72,1,73,14],[115,1,116,14],[4,1,4,14],[0,1,0,14],[26,1,26,14],[22,1,23,14],[44,1,45,14]]}
[null,"Annual Summary - Variance Analysis"]
[]
[]
[]
[null,"Monthly Variance Analysis"]
[null,null,{"$f":"Data!C1","v":"January"},{"$f":"Data!D1","v":"February"},{"$f":"Data!E1","v":"March"},{"$f":"Data!F1","v":"April"},{"$f":"Data!G1","v":"May"},{"$f":"Data!H1","v":"June"},{"$f":"Data!I1","v":"July"},{"$f":"Data!J1","v":"August"},{"$f":"Data!K1","v":"September"},{"$f":"Data!L1","v":"October"},{"$f":"Data!M1","v":"November"},{"$f":"Data!N1","v":"December"},"Total"]
[null,{"$f":"Data!B14","v":"Income"},{"$f":"Data!C14-Data!Q14","v":0},{"$f":"Data!D14-Data!R14","v":0},{"$f":"Data!E14-Data!S14","v":0},{"$f":"Data!F14-Data!T14","v":0},{"$f":"Data!G14-Data!U14","v":0},{"$f":"Data!H14-Data!V14","v":0},{"$f":"Data!I14-Data!W14","v":0},{"$f":"Data!J14-Data!X14","v":0},{"$f":"Data!K14-Data!Y14","v":0},{"$f":"Data!L14-Data!Z14","v":0},{"$f":"Data!M14-Data!AA14","v":0},{"$f":"Data!N14-Data!AB14","v":0},{"$f":"SUM(C7:N7)","v":0}]
[]
[null,{"$f":"Data!$B2","v":"SAVINGS"},{"$f":"-Data!C2--Data!Q2","v":0},{"$f":"-Data!D2--Data!R2","v":0},{"$f":"-Data!E2--Data!S2","v":0},{"$f":"-Data!F2--Data!T2","v":0},{"$f":"-Data!G2--Data!U2","v":0},{"$f":"-Data!H2--Data!V2","v":0},{"$f":"-Data!I2--Data!W2","v":0},{"$f":"-Data!J2--Data!X2","v":0},{"$f":"-Data!K2--Data!Y2","v":0},{"$f":"-Data!L2--Data!Z2","v":0},{"$f":"-Data!M2--Data!AA2","v":0},{"$f":"-Data!N2--Data!AB2","v":0},{"$f":"SUM(C9:N9)","v":0},null,{"$f":"ABS($O9)","v":0}]
[null,{"$f":"Data!$B3","v":"INVESTING"},{"$f":"-Data!C3--Data!Q3","v":0},{"$f":"-Data!D3--Data!R3","v":0},{"$f":"-Data!E3--Data!S3","v":0},{"$f":"-Data!F3--Data!T3","v":0},{"$f":"-Data!G3--Data!U3","v":0},{"$f":"-Data!H3--Data!V3","v":0},{"$f":"-Data!I3--Data!W3","v":0},{"$f":"-Data!J3--Data!X3","v":0},{"$f":"-Data!K3--Data!Y3","v":0},{"$f":"-Data!L3--Data!Z3","v":0},{"$f":"-Data!M3--Data!AA3","v":0},{"$f":"-Data!N3--Data!AB3","v":0},{"$f":"SUM(C10:N10)","v":0},null,0]
[null,{"$f":"Data!$B4","v":"HOME"},{"$f":"-Data!C4--Data!Q4","v":0},{"$f":"-Data!D4--Data!R4","v":0},{"$f":"-Data!E4--Data!S4","v":0},{"$f":"-Data!F4--Data!T4","v":0},{"$f":"-Data!G4--Data!U4","v":0},{"$f":"-Data!H4--Data!V4","v":0},{"$f":"-Data!I4--Data!W4","v":0},{"$f":"-Data!J4--Data!X4","v":0},{"$f":"-Data!K4--Data!Y4","v":0},{"$f":"-Data!L4--Data!Z4","v":0},{"$f":"-Data!M4--Data!AA4","v":0},{"$f":"-Data!N4--Data!AB4","v":0},{"$f":"SUM(C11:N11)","v":0},null,0]
[null,{"$f":"Data!$B5","v":"PERSONAL/ FAMILY"},{"$f":"-Data!C5--Data!Q5","v":0},{"$f":"-Data!D5--Data!R5","v":0},{"$f":"-Data!E5--Data!S5","v":0},{"$f":"-Data!F5--Data!T5","v":0},{"$f":"-Data!G5--Data!U5","v":0},{"$f":"-Data!H5--Data!V5","v":0},{"$f":"-Data!I5--Data!W5","v":0},{"$f":"-Data!J5--Data!X5","v":0},{"$f":"-Data!K5--Data!Y5","v":0},{"$f":"-Data!L5--Data!Z5","v":0},{"$f":"-Data!M5--Data!AA5","v":0},{"$f":"-Data!N5--Data!AB5","v":0},{"$f":"SUM(C12:N12)","v":0},null,0]
[null,{"$f":"Data!$B6","v":"CAR/ TRANSPORTATION"},{"$f":"-Data!C6--Data!Q6","v":0},{"$f":"-Data!D6--Data!R6","v":0},{"$f":"-Data!E6--Data!S6","v":0},{"$f":"-Data!F6--Data!T6","v":0},{"$f":"-Data!G6--Data!U6","v":0},{"$f":"-Data!H6--Data!V6","v":0},{"$f":"-Data!I6--Data!W6","v":0},{"$f":"-Data!J6--Data!X6","v":0},{"$f":"-Data!K6--Data!Y6","v":0},{"$f":"-Data!L6--Data!Z6","v":0},{"$f":"-Data!M6--Data!AA6","v":0},{"$f":"-Data!N6--Data!AB6","v":0},0,null,0]
[null,{"$f":"Data!$B7","v":"HEALTH & WELLNESS"},{"$f":"-Data!C7--Data!Q7","v":0},{"$f":"-Data!D7--Data!R7","v":0},{"$f":"-Data!E7--Data!S7","v":0},{"$f":"-Data!F7--Data!T7","v":0},{"$f":"-Data!G7--Data!U7","v":0},{"$f":"-Data!H7--Data!V7","v":0},{"$f":"-Data!I7--Data!W7","v":0},{"$f":"-Data!J7--Data!X7","v":0},{"$f":"-Data!K7--Data!Y7","v":0},{"$f":"-Data!L7--Data!Z7","v":0},{"$f":"-Data!M7--Data!AA7","v":0},{"$f":"-Data!N7--Data!AB7","v":0},0,null,0]
[null,{"$f":"Data!$B8","v":"FUN"},{"$f":"-Data!C8--Data!Q8","v":0},{"$f":"-Data!D8--Data!R8","v":0},{"$f":"-Data!E8--Data!S8","v":0},{"$f":"-Data!F8--Data!T8","v":0},{"$f":"-Data!G8--Data!U8","v":0},{"$f":"-Data!H8--Data!V8","v":0},{"$f":"-Data!I8--Data!W8","v":0},{"$f":"-Data!J8--Data!X8","v":0},{"$f":"-Data!K8--Data!Y8","v":0},{"$f":"-Data!L8--Data!Z8","v":0},{"$f":"-Data!M8--Data!AA8","v":0},{"$f":"-Data!N8--Data!AB8","v":0},0,null,0]
[null,{"$f":"Data!$B9","v":"DEBT"},{"$f":"-Data!C9--Data!Q9","v":0},{"$f":"-Data!D9--Data!R9","v":0},{"$f":"-Data!E9--Data!S9","v":0},{"$f":"-Data!F9--Data!T9","v":0},{"$f":"-Data!G9--Data!U9","v":0},{"$f":"-Data!H9--Data!V9","v":0},{"$f":"-Data!I9--Data!W9","v":0},{"$f":"-Data!J9--Data!X9","v":0},{"$f":"-Data!K9--Data!Y9","v":0},{"$f":"-Data!L9--Data!Z9","v":0},{"$f":"-Data!M9--Data!AA9","v":0},{"$f":"-Data!N9--Data!AB9","v":0},0,null,0]
[null,{"$f":"Data!$B10","v":"INSURANCE"},{"$f":"-Data!C10--Data!Q10","v":0},{"$f":"-Data!D10--Data!R10","v":0},{"$f":"-Data!E10--Data!S10","v":0},{"$f":"-Data!F10--Data!T10","v":0},{"$f":"-Data!G10--Data!U10","v":0},{"$f":"-Data!H10--Data!V10","v":0},{"$f":"-Data!I10--Data!W10","v":0},{"$f":"-Data!J10--Data!X10","v":0},{"$f":"-Data!K10--Data!Y10","v":0},{"$f":"-Data!L10--Data!Z10","v":0},{"$f":"-Data!M10--Data!AA10","v":0},{"$f":"-Data!N10--Data!AB10","v":0},0,null,0]
[]
[null,"Total Expense",{"$f":"SUM(C9:C18)","v":0},{"$f":"SUM(D9:D18)","v":0},0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(O9:O18)","v":0},null,{"$f":"SUM($Q9:$Q17)","v":0}]
[]
[null,{"$f":"Data!B16","v":"Savings"},{"$f":"Data!C16-Data!Q16","v":0},{"$f":"Data!D16-Data!R16","v":0},{"$f":"Data!E16-Data!S16","v":0},{"$f":"Data!F16-Data!T16","v":0},{"$f":"Data!G16-Data!U16","v":0},{"$f":"Data!H16-Data!V16","v":0},{"$f":"Data!I16-Data!W16","v":0},{"$f":"Data!J16-Data!X16","v":0},{"$f":"Data!K16-Data!Y16","v":0},{"$f":"Data!L16-Data!Z16","v":0},{"$f":"Data!M16-Data!AA16","v":0},{"$f":"Data!N16-Data!AB16","v":0},{"$f":"SUM(C21:N21)","v":0}]
[]
[null,"This summary shows the total difference between the planned and actual amounts entered for each month and expense type. If you have budgeted accurately, each expense type will have a $0 difference from month to month. Amounts shown in RED mean the planned amount was not enough to cover the actual amount spent. "]
[]
[]
[]
[null,"% of Total"]
[null,null,{"$f":"Data!C1","v":"January"},{"$f":"Data!D1","v":"February"},{"$f":"Data!E1","v":"March"},{"$f":"Data!F1","v":"April"},{"$f":"Data!G1","v":"May"},{"$f":"Data!H1","v":"June"},{"$f":"Data!I1","v":"July"},{"$f":"Data!J1","v":"August"},{"$f":"Data!K1","v":"September"},{"$f":"Data!L1","v":"October"},{"$f":"Data!M1","v":"November"},{"$f":"Data!N1","v":"December"},"Total"]
[null,{"$f":"Data!B14","v":"Income"},{"$f":"IFERROR((Data!C14-Data!Q14)/Data!Q14,0)","v":0},{"$f":"IFERROR((Data!D14-Data!R14)/Data!R14,0)","v":0},{"$f":"IFERROR((Data!E14-Data!S14)/Data!S14,0)","v":0},{"$f":"IFERROR((Data!F14-Data!T14)/Data!T14,0)","v":0},{"$f":"IFERROR((Data!G14-Data!U14)/Data!U14,0)","v":0},{"$f":"IFERROR((Data!H14-Data!V14)/Data!V14,0)","v":0},{"$f":"IFERROR((Data!I14-Data!W14)/Data!W14,0)","v":0},{"$f":"IFERROR((Data!J14-Data!X14)/Data!X14,0)","v":0},{"$f":"IFERROR((Data!K14-Data!Y14)/Data!Y14,0)","v":0},{"$f":"IFERROR((Data!L14-Data!Z14)/Data!Z14,0)","v":0},{"$f":"IFERROR((Data!M14-Data!AA14)/Data!AA14,0)","v":0},{"$f":"IFERROR((Data!N14-Data!AB14)/Data!AB14,0)","v":0},{"$f":"IFERROR((Data!AH14-Data!AE14)/Data!AH14,0)","v":0}]
[]
[null,{"$f":"Data!$B2","v":"SAVINGS"},{"$f":"IFERROR((Data!Q2-Data!C2)/Data!Q2,0)","v":0},{"$f":"IFERROR((Data!R2-Data!D2)/Data!R2,0)","v":0},{"$f":"IFERROR((Data!S2-Data!E2)/Data!S2,0)","v":0},{"$f":"IFERROR((Data!T2-Data!F2)/Data!T2,0)","v":0},{"$f":"IFERROR((Data!U2-Data!G2)/Data!U2,0)","v":0},{"$f":"IFERROR((Data!V2-Data!H2)/Data!V2,0)","v":0},{"$f":"IFERROR((Data!W2-Data!I2)/Data!W2,0)","v":0},{"$f":"IFERROR((Data!X2-Data!J2)/Data!X2,0)","v":0},{"$f":"IFERROR((Data!Y2-Data!K2)/Data!Y2,0)","v":0},{"$f":"IFERROR((Data!Z2-Data!L2)/Data!Z2,0)","v":0},{"$f":"IFERROR((Data!AA2-Data!M2)/Data!AA2,0)","v":0},{"$f":"IFERROR((Data!AB2-Data!N2)/Data!AB2,0)","v":0},{"$f":"IFERROR((Data!AH2-Data!AE2)/Data!AH2,0)","v":0}]
[null,{"$f":"Data!$B3","v":"INVESTING"},{"$f":"IFERROR((Data!Q3-Data!C3)/Data!Q3,0)","v":0},{"$f":"IFERROR((Data!R3-Data!D3)/Data!R3,0)","v":0},{"$f":"IFERROR((Data!S3-Data!E3)/Data!S3,0)","v":0},{"$f":"IFERROR((Data!T3-Data!F3)/Data!T3,0)","v":0},{"$f":"IFERROR((Data!U3-Data!G3)/Data!U3,0)","v":0},{"$f":"IFERROR((Data!V3-Data!H3)/Data!V3,0)","v":0},{"$f":"IFERROR((Data!W3-Data!I3)/Data!W3,0)","v":0},{"$f":"IFERROR((Data!X3-Data!J3)/Data!X3,0)","v":0},{"$f":"IFERROR((Data!Y3-Data!K3)/Data!Y3,0)","v":0},{"$f":"IFERROR((Data!Z3-Data!L3)/Data!Z3,0)","v":0},{"$f":"IFERROR((Data!AA3-Data!M3)/Data!AA3,0)","v":0},{"$f":"IFERROR((Data!AB3-Data!N3)/Data!AB3,0)","v":0},{"$f":"IFERROR((Data!AH3-Data!AE3)/Data!AH3,0)","v":0}]
[null,{"$f":"Data!$B4","v":"HOME"},{"$f":"IFERROR((Data!Q4-Data!C4)/Data!Q4,0)","v":0},{"$f":"IFERROR((Data!R4-Data!D4)/Data!R4,0)","v":0},{"$f":"IFERROR((Data!S4-Data!E4)/Data!S4,0)","v":0},{"$f":"IFERROR((Data!T4-Data!F4)/Data!T4,0)","v":0},{"$f":"IFERROR((Data!U4-Data!G4)/Data!U4,0)","v":0},{"$f":"IFERROR((Data!V4-Data!H4)/Data!V4,0)","v":0},{"$f":"IFERROR((Data!W4-Data!I4)/Data!W4,0)","v":0},{"$f":"IFERROR((Data!X4-Data!J4)/Data!X4,0)","v":0},{"$f":"IFERROR((Data!Y4-Data!K4)/Data!Y4,0)","v":0},{"$f":"IFERROR((Data!Z4-Data!L4)/Data!Z4,0)","v":0},{"$f":"IFERROR((Data!AA4-Data!M4)/Data!AA4,0)","v":0},{"$f":"IFERROR((Data!AB4-Data!N4)/Data!AB4,0)","v":0},{"$f":"IFERROR((Data!AH4-Data!AE4)/Data!AH4,0)","v":0}]
[null,{"$f":"Data!$B5","v":"PERSONAL/ FAMILY"},{"$f":"IFERROR((Data!Q5-Data!C5)/Data!Q5,0)","v":0},{"$f":"IFERROR((Data!R5-Data!D5)/Data!R5,0)","v":0},{"$f":"IFERROR((Data!S5-Data!E5)/Data!S5,0)","v":0},{"$f":"IFERROR((Data!T5-Data!F5)/Data!T5,0)","v":0},{"$f":"IFERROR((Data!U5-Data!G5)/Data!U5,0)","v":0},{"$f":"IFERROR((Data!V5-Data!H5)/Data!V5,0)","v":0},{"$f":"IFERROR((Data!W5-Data!I5)/Data!W5,0)","v":0},{"$f":"IFERROR((Data!X5-Data!J5)/Data!X5,0)","v":0},{"$f":"IFERROR((Data!Y5-Data!K5)/Data!Y5,0)","v":0},{"$f":"IFERROR((Data!Z5-Data!L5)/Data!Z5,0)","v":0},{"$f":"IFERROR((Data!AA5-Data!M5)/Data!AA5,0)","v":0},{"$f":"IFERROR((Data!AB5-Data!N5)/Data!AB5,0)","v":0},{"$f":"IFERROR((Data!AH5-Data!AE5)/Data!AH5,0)","v":0}]
[null,{"$f":"Data!$B6","v":"CAR/ TRANSPORTATION"},{"$f":"IFERROR((Data!Q6-Data!C6)/Data!Q6,0)","v":0},{"$f":"IFERROR((Data!R6-Data!D6)/Data!R6,0)","v":0},{"$f":"IFERROR((Data!S6-Data!E6)/Data!S6,0)","v":0},{"$f":"IFERROR((Data!T6-Data!F6)/Data!T6,0)","v":0},{"$f":"IFERROR((Data!U6-Data!G6)/Data!U6,0)","v":0},{"$f":"IFERROR((Data!V6-Data!H6)/Data!V6,0)","v":0},{"$f":"IFERROR((Data!W6-Data!I6)/Data!W6,0)","v":0},{"$f":"IFERROR((Data!X6-Data!J6)/Data!X6,0)","v":0},{"$f":"IFERROR((Data!Y6-Data!K6)/Data!Y6,0)","v":0},{"$f":"IFERROR((Data!Z6-Data!L6)/Data!Z6,0)","v":0},{"$f":"IFERROR((Data!AA6-Data!M6)/Data!AA6,0)","v":0},{"$f":"IFERROR((Data!AB6-Data!N6)/Data!AB6,0)","v":0},{"$f":"IFERROR((Data!AH6-Data!AE6)/Data!AH6,0)","v":0}]
[null,{"$f":"Data!$B7","v":"HEALTH & WELLNESS"},{"$f":"IFERROR((Data!Q7-Data!C7)/Data!Q7,0)","v":0},{"$f":"IFERROR((Data!R7-Data!D7)/Data!R7,0)","v":0},{"$f":"IFERROR((Data!S7-Data!E7)/Data!S7,0)","v":0},{"$f":"IFERROR((Data!T7-Data!F7)/Data!T7,0)","v":0},{"$f":"IFERROR((Data!U7-Data!G7)/Data!U7,0)","v":0},{"$f":"IFERROR((Data!V7-Data!H7)/Data!V7,0)","v":0},{"$f":"IFERROR((Data!W7-Data!I7)/Data!W7,0)","v":0},{"$f":"IFERROR((Data!X7-Data!J7)/Data!X7,0)","v":0},{"$f":"IFERROR((Data!Y7-Data!K7)/Data!Y7,0)","v":0},{"$f":"IFERROR((Data!Z7-Data!L7)/Data!Z7,0)","v":0},{"$f":"IFERROR((Data!AA7-Data!M7)/Data!AA7,0)","v":0},{"$f":"IFERROR((Data!AB7-Data!N7)/Data!AB7,0)","v":0},{"$f":"IFERROR((Data!AH7-Data!AE7)/Data!AH7,0)","v":0}]
[null,{"$f":"Data!$B8","v":"FUN"},{"$f":"IFERROR((Data!Q8-Data!C8)/Data!Q8,0)","v":0},{"$f":"IFERROR((Data!R8-Data!D8)/Data!R8,0)","v":0},{"$f":"IFERROR((Data!S8-Data!E8)/Data!S8,0)","v":0},{"$f":"IFERROR((Data!T8-Data!F8)/Data!T8,0)","v":0},{"$f":"IFERROR((Data!U8-Data!G8)/Data!U8,0)","v":0},{"$f":"IFERROR((Data!V8-Data!H8)/Data!V8,0)","v":0},{"$f":"IFERROR((Data!W8-Data!I8)/Data!W8,0)","v":0},{"$f":"IFERROR((Data!X8-Data!J8)/Data!X8,0)","v":0},{"$f":"IFERROR((Data!Y8-Data!K8)/Data!Y8,0)","v":0},{"$f":"IFERROR((Data!Z8-Data!L8)/Data!Z8,0)","v":0},{"$f":"IFERROR((Data!AA8-Data!M8)/Data!AA8,0)","v":0},{"$f":"IFERROR((Data!AB8-Data!N8)/Data!AB8,0)","v":0},{"$f":"IFERROR((Data!AH8-Data!AE8)/Data!AH8,0)","v":0}]
[null,{"$f":"Data!$B9","v":"DEBT"},{"$f":"IFERROR((Data!Q9-Data!C9)/Data!Q9,0)","v":0},{"$f":"IFERROR((Data!R9-Data!D9)/Data!R9,0)","v":0},{"$f":"IFERROR((Data!S9-Data!E9)/Data!S9,0)","v":0},{"$f":"IFERROR((Data!T9-Data!F9)/Data!T9,0)","v":0},{"$f":"IFERROR((Data!U9-Data!G9)/Data!U9,0)","v":0},{"$f":"IFERROR((Data!V9-Data!H9)/Data!V9,0)","v":0},{"$f":"IFERROR((Data!W9-Data!I9)/Data!W9,0)","v":0},{"$f":"IFERROR((Data!X9-Data!J9)/Data!X9,0)","v":0},{"$f":"IFERROR((Data!Y9-Data!K9)/Data!Y9,0)","v":0},{"$f":"IFERROR((Data!Z9-Data!L9)/Data!Z9,0)","v":0},{"$f":"IFERROR((Data!AA9-Data!M9)/Data!AA9,0)","v":0},{"$f":"IFERROR((Data!AB9-Data!N9)/Data!AB9,0)","v":0},{"$f":"IFERROR((Data!AH9-Data!AE9)/Data!AH9,0)","v":0}]
[null,{"$f":"Data!$B10","v":"INSURANCE"},{"$f":"IFERROR((Data!Q10-Data!C10)/Data!Q10,0)","v":0},{"$f":"IFERROR((Data!R10-Data!D10)/Data!R10,0)","v":0},{"$f":"IFERROR((Data!S10-Data!E10)/Data!S10,0)","v":0},{"$f":"IFERROR((Data!T10-Data!F10)/Data!T10,0)","v":0},{"$f":"IFERROR((Data!U10-Data!G10)/Data!U10,0)","v":0},{"$f":"IFERROR((Data!V10-Data!H10)/Data!V10,0)","v":0},{"$f":"IFERROR((Data!W10-Data!I10)/Data!W10,0)","v":0},{"$f":"IFERROR((Data!X10-Data!J10)/Data!X10,0)","v":0},{"$f":"IFERROR((Data!Y10-Data!K10)/Data!Y10,0)","v":0},{"$f":"IFERROR((Data!Z10-Data!L10)/Data!Z10,0)","v":0},{"$f":"IFERROR((Data!AA10-Data!M10)/Data!AA10,0)","v":0},{"$f":"IFERROR((Data!AB10-Data!N10)/Data!AB10,0)","v":0},{"$f":"IFERROR((Data!AH10-Data!AE10)/Data!AH10,0)","v":0}]
[]
[null,"Total Expense",{"$f":"IFERROR((Data!Q15-Data!C15)/Data!Q15,0)","v":0},{"$f":"IFERROR((Data!R15-Data!D15)/Data!R15,0)","v":0},{"$f":"IFERROR((Data!S15-Data!E15)/Data!S15,0)","v":0},{"$f":"IFERROR((Data!T15-Data!F15)/Data!T15,0)","v":0},{"$f":"IFERROR((Data!U15-Data!G15)/Data!U15,0)","v":0},{"$f":"IFERROR((Data!V15-Data!H15)/Data!V15,0)","v":0},{"$f":"IFERROR((Data!W15-Data!I15)/Data!W15,0)","v":0},{"$f":"IFERROR((Data!X15-Data!J15)/Data!X15,0)","v":0},{"$f":"IFERROR((Data!Y15-Data!K15)/Data!Y15,0)","v":0},{"$f":"IFERROR((Data!Z15-Data!L15)/Data!Z15,0)","v":0},{"$f":"IFERROR((Data!AA15-Data!M15)/Data!AA15,0)","v":0},{"$f":"IFERROR((Data!AB15-Data!N15)/Data!AB15,0)","v":0},{"$f":"IFERROR((Data!AH15-Data!AE15)/Data!AH15,0)","v":0}]
[]
[null,{"$f":"B21","v":"Savings"},{"$f":"IFERROR((Data!Q16-Data!C16)/Data!Q16,0)","v":0},{"$f":"IFERROR((Data!R16-Data!D16)/Data!R16,0)","v":0},{"$f":"IFERROR((Data!S16-Data!E16)/Data!S16,0)","v":0},{"$f":"IFERROR((Data!T16-Data!F16)/Data!T16,0)","v":0},{"$f":"IFERROR((Data!U16-Data!G16)/Data!U16,0)","v":0},{"$f":"IFERROR((Data!V16-Data!H16)/Data!V16,0)","v":0},{"$f":"IFERROR((Data!W16-Data!I16)/Data!W16,0)","v":0},{"$f":"IFERROR((Data!X16-Data!J16)/Data!X16,0)","v":0},{"$f":"IFERROR((Data!Y16-Data!K16)/Data!Y16,0)","v":0},{"$f":"IFERROR((Data!Z16-Data!L16)/Data!Z16,0)","v":0},{"$f":"IFERROR((Data!AA16-Data!M16)/Data!AA16,0)","v":0},{"$f":"IFERROR((Data!AB16-Data!N16)/Data!AB16,0)","v":0},{"$f":"IFERROR((Data!AH16-Data!AE16)/Data!AH16,0)","v":0}]
[]
[null,"The summary above converts the difference of planned and actual totals into a percentage. Amounts in RED mean the planned amount was less than the actual amount spent. Ideally, any difference will be less than 1% for all months and expense types."]
{"$rows_empty":27}
[null,"This line graph connects monthly difference totals for Income, Expenses, and Savings. In a perfect example, each line will be straight or very close to the $0 line for the entire year. A positive amount means too many funds were budgeted and a negative amount means not enough funds were budgeted."]
{"$rows_empty":11}
[{"$nulls":5},{"$f":"IFERROR(B9&\": \"&TEXT((Q9/$Q$19), \"0%\"),0)","v":0}]
[{"$nulls":5},0]
[{"$nulls":5},0]
[{"$nulls":5},0]
[{"$nulls":5},0]
[{"$nulls":5},0]
[{"$nulls":5},0]
[{"$nulls":5},0]
[{"$nulls":5},0]
{"$rows_empty":22}
[null,"This pie chart shows which expense types have the greatest variance on an annual basis. The expense type with the largest percentage is the most difficult to budget. Ideally, each expense type will have a 0% variance as you spend exactly what is planned. A positive amount means too many funds were budgeted and a negative amount means not enough funds were budgeted."]

{"sheet":"Jan","index":3,"n_rows":92,"n_cols":11,"rows_kept":92,"cut":false,"hidden":false,"merged":[[12,2,12,5],[2,7,2,10],[2,2,2,5],[0,2,0,10]]}
[null,null,"January"]
[]
[null,null,"What's Coming In This Month?",{"$nulls":4},"How Am I Doing?"]
[]
[null,null,"INCOME","Planned","Actual","Difference",null,null,"Planned","Actual","Difference"]
[null,null,"Your Job",0,0,{"$f":"-D6+E6","v":0},null,"Total INCOME",{"$f":"D10","v":0},{"$f":"E10","v":0},{"$f":"-I6+J6","v":0}]
[null,null,"Your Spouse or Partner's Job",0,0,{"$f":"-D7+E7","v":0},null,"Total EXPENSES",{"$f":"HLOOKUP($C$1,Data!$P:$AB,12, FALSE)","v":0},{"$f":"HLOOKUP($C$1,Data!$B:$O,12,FALSE)","v":0},{"$f":"I7-J7","v":0}]
[null,null,"Other",0,0,{"$f":"-D8+E8","v":0},null,"NET (INCOME - EXPENSES)",{"$f":"I6-I7","v":0},{"$f":"J6-J7","v":0},{"$f":"J8-I8","v":0}]
[null,null,null,0,0,{"$f":"-D9+E9","v":0}]
[null,null,{"$f":"\"Total \"&C5","v":"Total INCOME"},{"$f":"SUM(D6:D9)","v":0},{"$f":"SUM(E6:E9)","v":0},{"$f":"-D10+E10","v":0}]
[]
[]
[null,null,"What's Going Out This Month?"]
[]
[null,{"$f":"MAX($B$1:$B14)+1","v":1},{"$f":"VLOOKUP($B15, Data!$A$2:$B$10, 2, 0)","v":"SAVINGS"},"Planned ","Actual","Difference"]
[null,null,"Emergency Fund",0,0,{"$f":"D16-E16","v":0}]
[null,null,"New Car",0,0,0]
[null,null,"House Down Payment",0,0,0]
[null,null,"Next Vacation",0,0,0]
[null,null,"Other",0,0,0,null,null,1,{"$f":"IFERROR(VLOOKUP($I20,$B:$C, 2,0)&\": \"&TEXT($E22/$J$7, \"0%\"),0)","v":0}]
[null,null,null,0,0,0,null,null,2,{"$f":"IFERROR(VLOOKUP($I21,$B:$C, 2,0)&\": \"&TEXT($E29/$J$7, \"0%\"),0)","v":0}]
[null,null,{"$f":"\"Total \"&C15","v":"Total SAVINGS"},{"$f":"SUM(D16:D21)","v":0},{"$f":"SUM(E16:E21)","v":0},0,null,null,3,{"$f":"IFERROR(VLOOKUP($I22,$B:$C, 2,0)&\": \"&TEXT($E42/$J$7, \"0%\"),0)","v":0}]
[{"$nulls":8},4,{"$f":"IFERROR(VLOOKUP($I23,$B:$C, 2,0)&\": \"&TEXT($E51/$J$7, \"0%\"),0)","v":0}]
[null,{"$f":"MAX($B$1:$B23)+1","v":2},{"$f":"VLOOKUP($B24, Data!$A$2:$B$10, 2, 0)","v":"INVESTING"},"Planned ","Actual","Difference",null,null,5,{"$f":"IFERROR(VLOOKUP($I24,$B:$C, 2,0)&\": \"&TEXT($E59/$J$7, \"0%\"),0)","v":0}]
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