Family Budget Planner

http://www.vertex42.com/ExcelTemplates/family-budget-planner.html © 2008 Vertex42 LLC

Balance inicial 1,500 [42] Total Avg

Ingresos Totales 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gastos Totales 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Neto 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Proyeccion Saldo Final 1,500 1,500 1,500 1,500 1,500 1,500 1,500 1,500 1,500 1,500 1,500 1,500
Monthly
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average

INGRESOS
Salarios 0 0
Ingresos por Intereses 0 0
Dividendos 0 0
Regalos 0 0
Reembolsos 0 0
Transferencia de Ahorros 0 0
Other 0 0
Other 0 0
Other 0 0
Total INGRESOS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

GASTOS HOGAR
Hipoteca/Alquiler 0 0
Electricidad 0 0
Gas 0 0
Agua 0 0
Telefono 0 0
TV por cable/satelite 0 0
Internet 0 0
Muebles / Electrodomesticos 0 0
Jardin 0 0
Articulos del Hogar 0 0
Mantenimiento 0 0
Mejoras 0 0
Other 0 0
Total GASTOS HOGAR 0 0 0 0 0 0 0 0 0 0 0 0 0 0
 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average
GASTOS DIARIOS
Comestibles 0 0
Suministros 0 0
Ropa 0 0
Servicios de Limpieza 0 0
Gastronomia 0 0
Limpieza de Ropa 0 0
Peluqueria 0 0
Discretionary [Name 1] 0 0
Discretionary [Name 2] 0 0
Other 0 0
Total GASTOS DIARIOS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

NIÑOS
Medico 0 0
Ropa 0 0
Escuela 0 0
Almuerzos Escuela 0 0
Suministros Escuela 0 0
Juguetes 0 0
Niñera 0 0
Other 0 0
Total NIÑOS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

TRANSPORTE
Pagos Vehículo 0 0
Combustible 0 0
Bus/Taxi/Tren 0 0
reparaciones 0 0
Licencia 0 0
Other 0 0
Total TRANSPORTE 0 0 0 0 0 0 0 0 0 0 0 0 0 0

SALUD
Doctor 0 0
Medicinas 0 0
Cuotas Gimnasio 0 0
Emergencia 0 0
 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average
Other 0 0
Total SALUD 0 0 0 0 0 0 0 0 0 0 0 0 0 0

SEGUROS
Auto 0 0
Salud 0 0
Alquiler 0 0
Vida 0 0
Other 0 0
Total SEGUROS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

EDUCACION
Matricula 0 0
Libros 0 0
Lecciones Musica 0 0
Other 0 0
Total EDUCACION 0 0 0 0 0 0 0 0 0 0 0 0 0 0

DONACIONES/REGALOS
Regalos 0 0
Donaciones beneficas 0 0
Donaciones religiosas 0 0
Other 0 0
otal DONACIONES/REGALOS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

AHORRO
Fondo de Emergencia 0 0
Traslado al Ahorro 0 0
Jubilacion 0 0
Inversiones 0 0
Colegio 0 0
Other 0 0
Total AHORRO 0 0 0 0 0 0 0 0 0 0 0 0 0 0

OBLIGACIONES
Prestamos Estudios 0 0
Otros Préstamos 0 0
Tarjeta de Credito 0 0
Tarjeta de Credito 0 0
 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average
Tarjeta de Credito 0 0
Pension Alimenticia Niños 0 0
Impuestos Nacionales 0 0
Impuestos Locales 0 0
Honorarios legales 0 0
Other 0 0
Total OBLIGACIONES 0 0 0 0 0 0 0 0 0 0 0 0 0 0

GASTOS DE NEGOCIOS
Gastos deducibles 0 0
Gastos no deducibles 0 0
Other 0 0
Other 0 0
Total GASTOS DE NEGOCIOS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

ENTRETENIMIENTO
Videos/DVDs 0 0
Musica 0 0
Juegos 0 0
Alquileres 0 0
Cine/Teatro 0 0
Conciertos 0 0
Libros 0 0
Aficiones 0 0
Cine/Fotos 0 0
Deportes 0 0
Recreacion Aire Libre 0 0
Juguetes 0 0
Other 0 0
Total ENTRETENIMIENTO 0 0 0 0 0 0 0 0 0 0 0 0 0 0
{42}

MASCOTAS
Alimento 0 0
Medico 0 0
Juguetes/suministros 0 0
Other 0 0
Total MASCOTAS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

SUSCRIPCIONES
 JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average
Prensa 0 0
Revistas 0 0
Cuotas 0 0
Club de Socios 0 0
Other 0 0
Total SUSCRIPCIONES 0 0 0 0 0 0 0 0 0 0 0 0 0 0

VACACIONES
Viaje 0 0
Alojamiento 0 0
Alimentos 0 0
Alquiler de coches 0 0
Entretenimiento 0 0
Other 0 0
Total VACACIONES 0 0 0 0 0 0 0 0 0 0 0 0 0 0
[42]
VARIOS
Tasas de Banco 0 0
Gastos de Envio 0 0
Other 0 0
Other 0 0
Other 0 0
Total VARIOS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
 Help
© 2008 Vertex42 LLC
Instructions
This family budget planner is meant to help you create a budget for an entire year.
Doing this will help you make predictions about where you may stand financially
in the future. If you are moving, changing jobs, purchasing a home, or making other
major life changes, it is essential to plan for many months down the road.

1. Edit/Create/Delete categories and subcategories

Use row operations, such as deleting or inserting an entire row.
The subtotal formulas are set up to allow this type of editing without messing up the
formulas, but you should always insert a row ABOVE the last row in the group or
BELOW the first row, so that the formulas stretch to include the row you added.
2. Verify that all of the subtotal formulas are correctly summing the correct cells
3. Modify the month headings as needed, to start with a different month
4. Enter your starting balance at the top of the worksheet.
5. Fill in the income and expenses for the year
a. You can copy and paste cells as needed
For example, enter an average fuel cost in Jan, and copy it across through Dec
b. Include large lump payments in the months in which they will likely occur
or use the approach of averaging the cost across each month. When using the
averaging approach, consider that your actual balance may not reflect the predicte
balance for the month. If you use the lump payment approach, it may be easier
to compare actual balances, but make sure you have enough saved.
c. Add cell comments as needed to help explain costs. For example, you might
include the names of Birthdays in comments for the Gifts Given category

Updating the Balance Each Month

If your actual balance at the end of a month is substantially different than the projected balance
you may want to overwrite the formula in the "Projected End Balance" with your actual balance,
to update the projections for the rest of the year.