Вы находитесь на странице: 1из 20
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit

Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program

Date

Deposits

Bank fees

Apartmen

Renter's

Car Loan

Car Ins

School

Cable

Energy

Cell

Credit

Withdrawals

Deposits

Checking

Comments

t

Ins

loan

bill

Phone

Card

Acct Balance

9/8/2016

$ 350.00

$ 3.95

                   

$

3.95

$ 350.00

$346.05

 

9/9/2016

                       

$ -

 

$346.05

 

9/10/2016

                       

$ -

 

$346.05

 

9/11/2016

                       

$ -

 

$346.05

 

9/12/2016

                       

$ -

 

$346.05

 

9/13/2016

                       

$ -

 

$346.05

 

9/14/2016

                       

$ -

 

$346.05

 

9/15/2016

$ 1,186.45

$ 0.50

               

$

15.00

 

$

15.50

$ 1,186.45

$1,517.00

 

9/16/2016

                       

$ -

 

$1,517.00

 

9/17/2016

                       

$ -

 

$1,517.00

 

9/18/2016

                       

$ -

 

$1,517.00

 

9/19/2016

 

$ 1.00

     

$ 610.00

       

$ 391.40

$ 1,002.40

 

$514.60

 

9/20/2016

                       

$

-

 

$514.60

 

9/21/2016

 

$ 0.50

           

$ 63.47

     

$ 63.97

 

$450.63

 

9/22/2016

                       

$ -

 

$450.63

 

9/23/2016

                       

$ -

 

$450.63

 

9/24/2016

                       

$ -

 

$450.63

 

9/25/2016

                       

$ -

 

$450.63

 

9/26/2016

 

$ 0.50

         

$ 64.00

       

$ 64.50

 

$386.13

 

9/27/2016

                       

$

-

 

$386.13

 

9/28/2016

 

$ 0.50

             

$ 54.22

   

$ 54.72

 

$331.41

 

9/29/2016

$ 1,186.45

                     

$ -

$ 1,186.45

$1,517.86

 

9/30/2016

                       

$ -

 

$1,517.86

 

10/1/2016

                       

$ -

 

$1,517.86

 

10/2/2016

                       

$ -

 

$1,517.86

 

10/3/2016

                       

$ -

 

$1,517.86

 

10/4/2016

                       

$ -

 

$1,517.86

 

10/5/2016

 

$ 0.50

   

$ 405.84

           

$ 406.34

 

$1,111.52

 

10/6/2016

                       

$

-

 

$1,111.52

 

10/7/2016

 

$ 0.50

$ 650.00

               

$ 650.50

 

$461.02

 

10/8/2016

                       

$ -

 

$461.02

 

10/9/2016

                       

$ -

 

$461.02

 

10/10/2016

                       

$ -

 

$461.02

 

10/11/2016

                       

$ -

 

$461.02

 

10/12/2016

 

$ 0.50

 

$ 261.11

             

$ 261.61

 

$199.41

 

10/13/2016

$ 1,186.45

                     

$

-

$ 1,186.45

$1,385.86

 

10/14/2016

 

$ 3.95

                   

$

3.95

 

$1,381.91

 

10/15/2016

 

$ 0.50

               

$

53.86

 

$ 54.36

 

$1,327.55

 

10/16/2016

                       

$ -

 

$1,327.55

 

10/17/2016

                       

$ -

 

$1,327.55

 

10/18/2016

                       

$ -

 

$1,327.55

 

10/19/2016

 

$ 0.50

           

$ 64.58

     

$ 65.08

 

$1,262.47

 

10/20/2016

                       

$ -

 

$1,262.47

 

10/21/2016

                       

$ -

 

$1,262.47

 

10/22/2016

                       

$ -

 

$1,262.47

 

10/23/2016

                       

$ -

 

$1,262.47

 

10/24/2016

 

$ 0.50

 

$ 195.00

             

$

195.50

 

$1,066.97

 

10/25/2016

                       

$ -

 

$1,066.97

 

10/26/2016

                       

$ -

 

$1,066.97

 
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit

Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program

Date

Deposits

Bank fees

Apartmen

Renter's

Car Loan

Car Ins

School

Cable

Energy

Cell

Credit

Withdrawals

Deposits

Checking

Comments

t

Ins

loan

bill

Phone

Card

Acct Balance

10/27/2016

$ 1,294.77

$ 0.50

 

$ 64.00

 

$

64.50

$ 1,294.77

$2,297.24

 

10/28/2016

       

$ -

 

$2,297.24

 

10/29/2016

       

$ -

 

$2,297.24

 

10/30/2016

       

$ -

 

$2,297.24

 

10/31/2016

 

$ 0.50

 

$ 470.83

$

471.33

 

$1,825.91

 

11/1/2016

 

$ 0.50

 

$ 54.22

 

$

54.72

 

$1,771.19

 

11/2/2016

       

$

-

 

$1,771.19

 

11/3/2016

 

$ 0.50

 

$ 380.84

$

381.34

 

$1,389.85

 

11/4/2016

       

$

-

 

$1,389.85

 

11/5/2016

 

$ 1.00

$ 650.00

$ 500.00

$ 1,151.00

 

$238.85

 

11/6/2016

       

$ -

 

$238.85

 

11/7/2016

       

$ -

 

$238.85

 

11/8/2016

$ 119.73

     

$ -

$ 119.73

$358.58

 

11/9/2016

       

$ -

 

$358.58

 

11/10/2016

$ 1,221.70

     

$ -

$ 1,221.70

$1,580.28

 

11/11/2016

       

$ -

 

$1,580.28

 

11/12/2016

 

$ 0.50

 

$ 380.84

$ 381.34

 

$1,198.94

 

11/13/2016

       

$

-

 

$1,198.94

 

11/14/2016

 

$ 3.95

   

$ 3.95

 

$1,194.99

 

11/15/2016

       

$

-

 

$1,194.99

 

11/16/2016

 

$ 0.50

 

$ 500.02

$ 500.52

 

$694.47

 

11/17/2016

 

$ 0.50

 

$ 68.25

 

$ 68.75

 

$625.72

 

11/18/2016

 

$ 0.50

 

$ 84.32

 

$ 84.82

 

$540.90

 

11/19/2016

       

$ -

 

$540.90

 

11/20/2016

       

$ -

 

$540.90

 

11/21/2016

       

$ -

 

$540.90

 

11/22/2016

       

$ -

 

$540.90

 

11/23/2016

       

$ -

 

$540.90

 

11/24/2016

       

$ -

 

$540.90

 

11/25/2016

       

$ -

 

$540.90

 

11/26/2016

       

$ -

 

$540.90

 

11/27/2016

       

$ -

 

$540.90

 

11/28/2016

       

$ -

 

$540.90

 

11/29/2016

       

$ -

 

$540.90

 

11/30/2016

       

$ -

 

$540.90

 

12/1/2016

       

$ -

 

$540.90

 

12/2/2016

       

$ -

 

$540.90

 

12/3/2016

       

$ -

 

$540.90

 

12/4/2016

       

$ -

 

$540.90

 

12/5/2016

       

$ -

 

$540.90

 

12/6/2016

       

$ -

 

$540.90

 

12/7/2016

       

$ -

 

$540.90

 

12/8/2016

       

$ -

 

$540.90

 

12/9/2016

       

$ -

 

$540.90

 

12/10/2016

       

$ -

 

$540.90

 

12/11/2016

       

$ -

 

$540.90

 

12/12/2016

       

$ -

 

$540.90

 

12/13/2016

       

$ -

 

$540.90

 

12/14/2016

       

$ -

 

$540.90

 
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
12/15/2016
$ -
$540.90
12/16/2016
$ -
$540.90
12/17/2016
$ -
$540.90
12/18/2016
$ -
$540.90
12/19/2016
$ -
$540.90
12/20/2016
$ -
$540.90
12/21/2016
$ -
$540.90
12/22/2016
$ -
$540.90
12/23/2016
$ -
$540.90
12/24/2016
$ -
$540.90
12/25/2016
$ -
$540.90
12/26/2016
$ -
$540.90
12/27/2016
$ -
$540.90
12/28/2016
$ -
$540.90
12/29/2016
$ -
$540.90
12/30/2016
$ -
$540.90
12/31/2016
$ -
$540.90
1/1/2017
$ -
$540.90
1/2/2017
$ -
$540.90
1/3/2017
$ -
$540.90
1/4/2017
$ -
$540.90
1/5/2017
$ -
$540.90
1/6/2017
$ -
$540.90
1/7/2017
$ -
$540.90
1/8/2017
$ -
$540.90
1/9/2017
$ -
$540.90
1/10/2017
$ -
$540.90
1/11/2017
$ -
$540.90
1/12/2017
$ -
$540.90
1/13/2017
$ -
$540.90
1/14/2017
$ -
$540.90
1/15/2017
$ -
$540.90
1/16/2017
$ -
$540.90
1/17/2017
$ -
$540.90
1/18/2017
$ -
$540.90
1/19/2017
$ -
$540.90
1/20/2017
$ -
$540.90
1/21/2017
$ -
$540.90
1/22/2017
$ -
$540.90
1/23/2017
$ -
$540.90
1/24/2017
$ -
$540.90
1/25/2017
$ -
$540.90
1/26/2017
$ -
$540.90
1/27/2017
$ -
$540.90
1/28/2017
$ -
$540.90
1/29/2017
$ -
$540.90
1/30/2017
$ -
$540.90
1/31/2017
$ -
$540.90
2/1/2017
$ -
$540.90
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
2/2/2017
$ -
$540.90
2/3/2017
$ -
$540.90
2/4/2017
$ -
$540.90
2/5/2017
$ -
$540.90
2/6/2017
$ -
$540.90
2/7/2017
$ -
$540.90
2/8/2017
$ -
$540.90
2/9/2017
$ -
$540.90
2/10/2017
$ -
$540.90
2/11/2017
$ -
$540.90
2/12/2017
$ -
$540.90
2/13/2017
$ -
$540.90
2/14/2017
$ -
$540.90
2/15/2017
$ -
$540.90
2/16/2017
$ -
$540.90
2/17/2017
$ -
$540.90
2/18/2017
$ -
$540.90
2/19/2017
$ -
$540.90
2/20/2017
$ -
$540.90
2/21/2017
$ -
$540.90
2/22/2017
$ -
$540.90
2/23/2017
$ -
$540.90
2/24/2017
$ -
$540.90
2/25/2017
$ -
$540.90
2/26/2017
$ -
$540.90
2/27/2017
$ -
$540.90
2/28/2017
$ -
$540.90
3/1/2017
$ -
$540.90
3/2/2017
$ -
$540.90
3/3/2017
$ -
$540.90
3/4/2017
$ -
$540.90
3/5/2017
$ -
$540.90
3/6/2017
$ -
$540.90
3/7/2017
$ -
$540.90
3/8/2017
$ -
$540.90
3/9/2017
$ -
$540.90
3/10/2017
$ -
$540.90
3/11/2017
$ -
$540.90
3/12/2017
$ -
$540.90
3/13/2017
$ -
$540.90
3/14/2017
$ -
$540.90
3/15/2017
$ -
$540.90
3/16/2017
$ -
$540.90
3/17/2017
$ -
$540.90
3/18/2017
$ -
$540.90
3/19/2017
$ -
$540.90
3/20/2017
$ -
$540.90
3/21/2017
$ -
$540.90
3/22/2017
$ -
$540.90
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
3/23/2017
$ -
$540.90
3/24/2017
$ -
$540.90
3/25/2017
$ -
$540.90
3/26/2017
$ -
$540.90
3/27/2017
$ -
$540.90
3/28/2017
$ -
$540.90
3/29/2017
$ -
$540.90
3/30/2017
$ -
$540.90
3/31/2017
$ -
$540.90
4/1/2017
$ -
$540.90
4/2/2017
$ -
$540.90
4/3/2017
$ -
$540.90
4/4/2017
$ -
$540.90
4/5/2017
$ -
$540.90
4/6/2017
$ -
$540.90
4/7/2017
$ -
$540.90
4/8/2017
$ -
$540.90
4/9/2017
$ -
$540.90
4/10/2017
$ -
$540.90
4/11/2017
$ -
$540.90
4/12/2017
$ -
$540.90
4/13/2017
$ -
$540.90
4/14/2017
$ -
$540.90
4/15/2017
$ -
$540.90
4/16/2017
$ -
$540.90
4/17/2017
$ -
$540.90
4/18/2017
$ -
$540.90
4/19/2017
$ -
$540.90
4/20/2017
$ -
$540.90
4/21/2017
$ -
$540.90
4/22/2017
$ -
$540.90
4/23/2017
$ -
$540.90
4/24/2017
$ -
$540.90
4/25/2017
$ -
$540.90
4/26/2017
$ -
$540.90
4/27/2017
$ -
$540.90
4/28/2017
$ -
$540.90
4/29/2017
$ -
$540.90
4/30/2017
$ -
$540.90
5/1/2017
$ -
$540.90
5/2/2017
$ -
$540.90
5/3/2017
$ -
$540.90
5/4/2017
$ -
$540.90
5/5/2017
$ -
$540.90
5/6/2017
$ -
$540.90
5/7/2017
$ -
$540.90
5/8/2017
$ -
$540.90
5/9/2017
$ -
$540.90
5/10/2017
$ -
$540.90
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
5/11/2017
$ -
$540.90
5/12/2017
$ -
$540.90
5/13/2017
$ -
$540.90
5/14/2017
$ -
$540.90
5/15/2017
$ -
$540.90
5/16/2017
$ -
$540.90
5/17/2017
$ -
$540.90
5/18/2017
$ -
$540.90
5/19/2017
$ -
$540.90
5/20/2017
$ -
$540.90
5/21/2017
$ -
$540.90
5/22/2017
$ -
$540.90
5/23/2017
$ -
$540.90
5/24/2017
$ -
$540.90
5/25/2017
$ -
$540.90
5/26/2017
$ -
$540.90
5/27/2017
$ -
$540.90
5/28/2017
$ -
$540.90
5/29/2017
$ -
$540.90
Password to unprotect sheet: BudgetChallenge
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Budget and Cash Flow Spreadsheet (CFS) Step 1 1) Update the orange cell with the
Budget and Cash Flow Spreadsheet (CFS)
Step 1
1) Update the orange cell with the date of your simulation start date
Step 2
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balanc
Step 5
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
Bank fees
Apartmen
Renter's
Car Loan
Car Ins
School
Cable
Energy
Cell
Credit
Withdrawals
Deposits
Checking
Comments
t
Ins
loan
bill
Phone
Card
Acct Balance
Cable Energy Cell Credit Withdrawals Deposits Checking Comments t Ins loan bill Phone Card Acct Balance