Budget and Cash Flow Spreadsheet (

Step 1
Step 2
Step 3
Step 4
Step 5

1) Update the orange cell with the date of your simulation s

2) Enter you starting bank balance (top cell) and future pay
3) Enter in payments to vendors for bills on their expected
4) Review bank account every few days. Add any bank fee
5) Make notes for yourself in the comments to help with es

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

10/8/2015 $ 400.00
10/9/2015
10/10/2015
10/11/2015
10/12/2015
10/13/2015
10/14/2015
10/15/2015
10/16/2015 $ 1,063.45
10/17/2015
10/18/2015
10/19/2015
10/20/2015
10/21/2015
10/22/2015
10/23/2015
10/24/2015
10/25/2015
10/26/2015
10/27/2015
10/28/2015
10/29/2015
10/30/2015 $ 872.09
10/31/2015
11/1/2015

Bank fees Apartment

Renter's
Ins

Car Loan
$

Car Ins

School
loan

Cable

Energy bill Cell Phone

25.00

783.00

60.00

63.28

54.22

Date

Deposits

11/2/2015
11/3/2015
11/4/2015
11/5/2015
11/6/2015
11/7/2015
11/8/2015
11/9/2015
11/10/2015
11/11/2015
11/12/2015
11/13/2015 $ 1,008.77
11/14/2015
11/15/2015
11/16/2015
11/17/2015
11/18/2015
11/19/2015
11/20/2015
11/21/2015
11/22/2015
11/23/2015
11/24/2015
11/25/2015
11/26/2015
11/27/2015 $ 872.09
11/28/2015
11/29/2015
11/30/2015
12/1/2015
12/2/2015
12/3/2015
12/4/2015

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

650.00

380.84
$

261.11

783.00

195.00

64.87

60.00

204.22

Date

Deposits

12/5/2015
12/6/2015
12/7/2015
12/8/2015
12/9/2015
12/10/2015
12/11/2015 $
12/12/2015
12/13/2015
12/14/2015
12/15/2015
12/16/2015
12/17/2015
12/18/2015
12/19/2015
12/20/2015
12/21/2015
12/22/2015
12/23/2015
12/24/2015
12/25/2015
12/26/2015
12/27/2015
12/28/2015
12/29/2015
12/30/2015
12/31/2015
1/1/2016
1/2/2016
1/3/2016
1/4/2016
1/5/2016
1/6/2016

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

803.75

650.00

School
loan

200.00

380.84

261.11

Cable

Energy bill Cell Phone

Date
1/7/2016
1/8/2016
1/9/2016
1/10/2016
1/11/2016
1/12/2016
1/13/2016
1/14/2016
1/15/2016
1/16/2016
1/17/2016
1/18/2016
1/19/2016
1/20/2016
1/21/2016
1/22/2016
1/23/2016
1/24/2016
1/25/2016
1/26/2016
1/27/2016
1/28/2016
1/29/2016
1/30/2016
1/31/2016
2/1/2016
2/2/2016
2/3/2016
2/4/2016
2/5/2016
2/6/2016
2/7/2016
2/8/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
2/9/2016
2/10/2016
2/11/2016
2/12/2016
2/13/2016
2/14/2016
2/15/2016
2/16/2016
2/17/2016
2/18/2016
2/19/2016
2/20/2016
2/21/2016
2/22/2016
2/23/2016
2/24/2016
2/25/2016
2/26/2016
2/27/2016
2/28/2016
2/29/2016
3/1/2016
3/2/2016
3/3/2016
3/4/2016
3/5/2016
3/6/2016
3/7/2016
3/8/2016
3/9/2016
3/10/2016
3/11/2016
3/12/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
3/13/2016
3/14/2016
3/15/2016
3/16/2016
3/17/2016
3/18/2016
3/19/2016
3/20/2016
3/21/2016
3/22/2016
3/23/2016
3/24/2016
3/25/2016
3/26/2016
3/27/2016
3/28/2016
3/29/2016
3/30/2016
3/31/2016
4/1/2016
4/2/2016
4/3/2016
4/4/2016
4/5/2016
4/6/2016
4/7/2016
4/8/2016
4/9/2016
4/10/2016
4/11/2016
4/12/2016
4/13/2016
4/14/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
4/15/2016
4/16/2016
4/17/2016
4/18/2016
4/19/2016
4/20/2016
4/21/2016
4/22/2016
4/23/2016
4/24/2016
4/25/2016
4/26/2016
4/27/2016
4/28/2016
4/29/2016
4/30/2016
5/1/2016
5/2/2016
5/3/2016
5/4/2016
5/5/2016
5/6/2016
5/7/2016
5/8/2016
5/9/2016
5/10/2016
5/11/2016
5/12/2016
5/13/2016
5/14/2016
5/15/2016
5/16/2016
5/17/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
5/18/2016
5/19/2016
5/20/2016
5/21/2016
5/22/2016
5/23/2016
5/24/2016
5/25/2016
5/26/2016
5/27/2016
5/28/2016
5/29/2016
5/30/2016
5/31/2016
6/1/2016
6/2/2016
6/3/2016
6/4/2016
6/5/2016
6/6/2016
6/7/2016
6/8/2016
6/9/2016
6/10/2016
6/11/2016
6/12/2016
6/13/2016
6/14/2016
6/15/2016
6/16/2016
6/17/2016
6/18/2016
6/19/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
6/20/2016
6/21/2016
6/22/2016
6/23/2016
6/24/2016
6/25/2016
6/26/2016
6/27/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

ow Spreadsheet (CFS)

with the date of your simulation start date

balance (top cell) and future paychecks (below the top cell)
ndors for bills on their expected transaction date (you may need to estimate some bill payments)
very few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
in the comments to help with establishing a routine or habit

s intended only for use with this program

Credit Card Withdrawals

$
$
$
$
$
250.00 $
$
$
$
$
$
$
$
69.00 $
$
$
$
$
$
$
$
$
$
$
$

25.00
250.00
783.00
132.28
114.22
-

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

400.00
1,063.45
872.09
-

Checking Acct
Balance
$375.00
$375.00
$375.00
$375.00
$375.00
$125.00
$125.00
$125.00
$1,188.45
$405.45
$405.45
$405.45
$405.45
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$1,145.26
$1,031.04
$1,031.04

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
200.00 $
$
$
100.00 $
$
$
193.16 $
$

650.00
380.84
261.11
783.00
64.87
200.00
100.00
255.00
193.16
204.22

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,008.77
872.09
-

Checking Acct
Balance
$879.53
$879.53
$879.53
$879.53
$879.53
$879.53
$229.53
$229.53
$229.53
($151.31)
($151.31)
$596.35
$596.35
$596.35
$596.35
$596.35
$596.35
($186.65)
($186.65)
($186.65)
$146.16
$81.29
$81.29
$81.29
$80.79
$752.38
$752.38
$752.38
$652.38
$397.38
$395.88 $429.58 credit card
$202.72
($1.50)

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

200.00
1,030.84
261.11
-

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

803.75
-

Checking Acct
Balance
$0.00 313.18 credit card
$0.00
($200.00)
($200.00)
($200.00)
($200.00)
($427.09)
($427.09)
($427.09)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

Comments

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20) Password to unprotect sheet: BudgetChallenge