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    12 Month Worksheet

    Uploaded by

    MPAlbright
    This document is a budget worksheet that allows a student to project monthly resources like income and savings as well as expenses over a school year. The student fills in projected amounts for sources of funds and expenses each month. Formulas in the worksheet then calculate a running total of resources and expenses each month to show the difference and potential need. Keeping the worksheet updated helps the student predict financial needs and costs to minimize debt.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLS, PDF, TXT or read online from Scribd

    12 Month Worksheet

    Uploaded by

    MPAlbright
    71 views1 page
    This document is a budget worksheet that allows a student to project monthly resources like income and savings as well as expenses over a school year. The student fills in projected amounts for sources of funds and expenses each month. Formulas in the worksheet then calculate a running total of resources and expenses each month to show the difference and potential need. Keeping the worksheet updated helps the student predict financial needs and costs to minimize debt.

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    © Attribution Non-Commercial (BY-NC)

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    This document is a budget worksheet that allows a student to project monthly resources like income and savings as well as expenses over a school year. The student fills in projected amounts for sources of funds and expenses each month. Formulas in the worksheet then calculate a running total of resources and expenses each month to show the difference and potential need. Keeping the worksheet updated helps the student predict financial needs and costs to minimize debt.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLS, PDF, TXT or read online from Scribd
    Download as xls, pdf, or txt
    71 views1 page

    12 Month Worksheet

    Uploaded by

    MPAlbright
    This document is a budget worksheet that allows a student to project monthly resources like income and savings as well as expenses over a school year. The student fills in projected amounts for sources of funds and expenses each month. Formulas in the worksheet then calculate a running total of resources and expenses each month to show the difference and potential need. Keeping the worksheet updated helps the student predict financial needs and costs to minimize debt.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLS, PDF, TXT or read online from Scribd
    Download as xls, pdf, or txt
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    Budget Worksheet

    Name Projected Resources


    Student Employment (net pay after taxes) Spouse Employment Cash/Savings Parents/Relatives Scholarships Grants Loans/Work Study SS Benefits/Voc. Rehab/Veteran Other

    Student ID Number
    Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug

    Total
    $0 $0 $0 $0 $0 $0 $0 $0 $0

    Subtotal Projected Expenses


    Tithing/Charitable Contributions Tuition & Fees Books & Supplies Rent/Mortgage Utilities Phone: Local/Long Distance Cell Phone/Internet Food: Groceries Fast Food/Snacks Transportation: Car Payment Insurance Gas Repairs/Maintenance/Reg Air Fare, Bus, etc. Medical: Insurance Premium Out-of-Pocket/Co-pay Personal: Clothing Beauty/Grooming Laundry Gifts Entertainment/Dining Out Debt Payments: Credit Card Credit Card Other Other Life Insurance Savings/Investing Vacation Other Other

    $0 Sep

    $0 Oct

    $0 Nov

    $0 Dec

    $0 Jan

    $0 Feb

    $0 Mar

    $0 Apr

    $0 May

    $0 Jun

    $0 Jul

    $0 Aug

    $0

    Total
    $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

    Subtotal
    Summary of Actual Finances
    Roll-over Resources Expenses

    $0 Aug $0 $0 $0

    $0 Oct $0 $0 $0 $0

    $0 Nov $0 $0 $0 $0

    $0 Dec $0 $0 $0 $0

    $0 Jan $0 $0 $0 $0

    $0 Feb $0 $0 $0 $0

    $0 Mar $0 $0 $0 $0

    $0 Apr $0 $0 $0 $0

    $0 May $0 $0 $0 $0

    $0 Jun $0 $0 $0 $0

    $0 Jul $0 $0 $0 $0

    $0 Aug $0 $0 $0 $0

    $0

    Total
    $0 $0 $0 $0

    Difference Instructions:

    1) In the green section, insert in the appropriate cell the amount of money you plan to receive each month from each of the sources listed, adding rows for any sources you may have in addition to these. Be careful to list amounts only for the months during which they are received. EXAMPLE: If you have $2000 in your savings account at the beginning of the school year, list $2000 in the Cash/Savings row for August only. You will not receive $2000 each month, so it should not be listed each month, even if you are not spending from it. 2) In the blue section, insert in the appropriate cell the amount of money you plan to spend each month for each of the projected expenses listed, adding rows for any expenses you may have in addition to these. EXAMPLE: If your rent costs $240 each month, you will insert $240 in each cell on the Rent/Mortgage row for the entire academic year. 3) Do NOT insert anything in the yellow section. This section has formulas which will calculate your financial need based on the resources and expenses you list. You will note that the yellow section shows the resource and expense total for each month. The difference between these two numbers is calculated on the Difference row. That difference will be carried over to the next month, and will be used in the calculation of the difference for that month. EXAMPLE: If your resources for August yield $400, and your expenditures are $500, (difference of -$100) -$100 will be carried over to September. If your September resources yield $400 and your expenditures are $500, the difference for September will be -$200. By watching the Difference row you will know how much money you need, and when you need it. You can also use this worksheet as a spending plan to help you keep unplanned expenditures as low as possible. You will want to save this worksheet and update it as necessary so it will help you accurately predict your financial needs. Having a financial plan, and spending according to that plan will help you keep your educational costs (and debt) at a minimum.

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