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{"sheet":"START","index":0,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
[null,"PERSONAL DETAILS"]
[null,"Use this personal monthly budget worksheet to track your projected and actual monthly income and projected and actual cost."]
[null,"Enter expenses incurred on various categories in respective tables."]
[null,"Projected balance, actual balance, and difference are auto-calculated."]
[null,"Note: "]
[null,"Additional instructions have been provided in column A in PERSONAL MONTHLY BUDGET worksheet. This text has been intentionally hidden. To remove text, select column A, then select DELETE. To unhide text, select column A, then change font color."]
[null,"To learn more about tables in the worksheet, press SHIFT and then F10 within a table, select the TABLE option, and then select ALTERNATIVE TEXT."]

{"sheet":"PERSONAL MONTHLY BUDGET","index":1,"n_rows":64,"n_cols":10,"rows_kept":64,"cut":false,"hidden":false,"merged":[[62,6,63,8],[62,9,63,9],[58,9,59,9],[60,9,61,9],[60,6,61,8],[7,9,8,9],[5,9,6,9],[3,9,4,9],[58,6,59,8],[3,2,3,3],[7,1,9,1],[3,1,5,1],[7,6,8,8],[5,6,6,8],[3,6,4,8],[9,2,9,3],[8,2,8,3],[7,2,7,3],[5,2,5,3],[4,2,4,3]]}
["Create a Personal Monthly Budget in this worksheet. Helpful instructions on how to use this worksheet are in cells in this column. Arrow down to get started."]
["Title of this worksheet is in cell at right. Next instruction is in cell A4.","PERSONAL GOAL PLANNING"]
[]
["Projected Monthly Income label is in cell at right. Enter Income 1 in cell E4 and Extra Income in E5 to calculate Total monthly income in E6. Next instruction is in cell A6.","PROJECTED MONTHLY INCOME","Income 1",null,50000,null,"PROJECTED BALANCE \n(Projected income minus expenses)",null,null,{"$f":"E6-J59","v":-202567}]
[null,null,"Extra income",null,10000]
["Projected Balance is auto calculated in cell J4, Actual Balance in J6, and Difference in J8. Next instruction is in cell A8.",null,"Total monthly income",null,{"$f":"SUM(E4:E5)","v":60000},null,"ACTUAL BALANCE \n(Actual income minus expenses)",null,null,{"$f":"E10-J61","v":-146944}]
[]
["Actual Monthly Income label is in cell at right. Enter Income 1 in cell E8 and Extra Income in E9 to calculate Total monthly income in E10. Next instruction is in cell A12.","ACTUAL MONTHLY INCOME","Income 1",null,40000,null,"DIFFERENCE \n(Actual minus projected)",null,null,{"$f":"J6-J4","v":55623}]
[null,null,"Extra income",null,11000]
[null,null,"Total monthly income",null,{"$f":"SUM(E8:E9)","v":51000}]
[]
["Enter details in Housing table starting in cell at right and in Entertainment table starting in cell G12. Next instruction is in cell A25.","HOUSING","Projected Cost","Actual Cost","Difference",null,"ENTERTAINMENT","Projected Cost","Actual Cost","Difference"]
[null,"Mortgage or rent",13000,13000,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Night out",1000,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":1000}]
[null,"Phone",1000,1000,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Music platforms",0,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
[null,"Electricity",500,500,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Movies",500,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":500}]
[null,"Gas",1000,1000,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Concerts",1000,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":1000}]
[null,"Water and sewer",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Sporting events",100,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":100}]
[null,"Cable",34,34,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Live theater",1000,0,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":1000}]
[null,"Waste removal",10,10,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Other",null,null,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
[null,"Maintenance or repairs",23,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":23},null,"Other",null,null,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
[null,"Supplies",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Other",null,null,{"$f":"Entertainment[[#This Row],[Projected Cost]]-Entertainment[[#This Row],[Actual Cost]]","v":0}]
[null,"Other",0,0,{"$f":"Housing[[#This Row],[Projected Cost]]-Housing[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",{"$f":"SUBTOTAL(109,H13:H21)","v":3600},{"$f":"SUBTOTAL(109,I13:I21)","v":0},{"$f":"SUBTOTAL(109,Entertainment[Difference])","v":3600}]
[null,"Subtotal",{"$f":"SUBTOTAL(109,C13:C22)","v":15567},{"$f":"SUBTOTAL(109,D13:D22)","v":15544},{"$f":"SUBTOTAL(109,Housing[Difference])","v":23}]
[{"$nulls":6},"LOANS","Projected Cost","Actual Cost","Difference"]
["Enter details in Transportation table starting in cell at right and in Loans table starting in cell G24. Next instruction is in cell A35.","TRANSPORTATION","Projected Cost","Actual Cost","Difference",null,"Personal",15000,15000,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
[null,"Vehicle payment",5000,0,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":5000},null,"Student",4400,4400,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
[null,"Bus/taxi fare",1000,null,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":1000},null,"Credit card",100000,100000,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
[null,"Insurance",10000,null,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":10000},null,"Credit card",60000,60000,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
[null,"Licensing",0,null,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0},null,"Credit card",20000,1000,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":19000}]
[null,"Fuel",10000,2000,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":8000},null,"Other",null,null,{"$f":"Loans[[#This Row],[Projected Cost]]-Loans[[#This Row],[Actual Cost]]","v":0}]
[null,"Maintenance",5000,null,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":5000},null,"Subtotal",null,null,{"$f":"SUBTOTAL(109,Loans[Difference])","v":19000}]
[null,"Other",null,null,{"$f":"Transportation[[#This Row],[Projected Cost]]-Transportation[[#This Row],[Actual Cost]]","v":0}]
[null,"Subtotal",{"$f":"SUBTOTAL(109,C26:C32)","v":31000},{"$f":"SUBTOTAL(109,D26:D32)","v":2000},{"$f":"SUBTOTAL(109,Transportation[Difference])","v":29000},null,"TAXES","Projected Cost","Actual Cost","Difference"]
[{"$nulls":6},"Federal",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
["Enter details in Insurance table starting in cell at right and in Taxes table starting in cell G33. Next instruction is in cell A42.","INSURANCE","Projected Cost","Actual Cost","Difference",null,"State",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
[null,"Home",0,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":0},null,"Local",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
[null,"Health",2000,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":2000},null,"Other",null,null,{"$f":"Taxes[[#This Row],[Projected Cost]]-Taxes[[#This Row],[Actual Cost]]","v":0}]
[null,"Life",5000,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":5000},null,"Subtotal",null,null,{"$f":"SUBTOTAL(109,Taxes[Difference])","v":0}]
[null,"Other",null,null,{"$f":"Insurance[[#This Row],[Projected Cost]]-Insurance[[#This Row],[Actual Cost]]","v":0}]
[null,"Subtotal",{"$f":"SUBTOTAL(109,C36:C39)","v":7000},{"$f":"SUBTOTAL(109,D36:D39)","v":0},{"$f":"SUBTOTAL(109,Insurance[Difference])","v":7000},null,"SAVINGS OR INVESTMENTS","Projected Cost","Actual Cost","Difference"]
[{"$nulls":6},"Retirement account",null,null,{"$f":"Savings[[#This Row],[Projected Cost]]-Savings[[#This Row],[Actual Cost]]","v":0}]
["Enter details in Food table starting in cell at right and in Savings table starting in cell G40. Next instruction is in cell A48.","FOOD","Projected Cost","Actual Cost","Difference",null,"Investment account",null,null,{"$f":"Savings[[#This Row],[Projected Cost]]-Savings[[#This Row],[Actual Cost]]","v":0}]
[null,"Groceries",5000,null,{"$f":"Food[[#This Row],[Projected Cost]]-Food[[#This Row],[Actual Cost]]","v":5000},null,"Other",null,null,{"$f":"Savings[[#This Row],[Projected Cost]]-Savings[[#This Row],[Actual Cost]]","v":0}]
[null,"Dining out",1000,null,{"$f":"Food[[#This Row],[Projected Cost]]-Food[[#This Row],[Actual Cost]]","v":1000},null,"Subtotal",null,null,{"$f":"SUBTOTAL(109,Savings[Difference])","v":0}]
[null,"Other",0,null,{"$f":"Food[[#This Row],[Projected Cost]]-Food[[#This Row],[Actual Cost]]","v":0}]
[null,"Subtotal",{"$f":"SUBTOTAL(109,C43:C45)","v":6000},{"$f":"SUBTOTAL(109,D43:D45)","v":0},{"$f":"SUBTOTAL(109,Food[Difference])","v":6000},null,"GIFTS AND DONATIONS","Projected Cost","Actual Cost","Difference"]
[{"$nulls":6},"Charity 1",null,null,{"$f":"Gifts[[#This Row],[Projected Cost]]-Gifts[[#This Row],[Actual Cost]]","v":0}]
["Enter details in Pets table starting in cell at right and in Gifts table starting in cell G46. Next instruction is in cell A56.","PETS","Projected Cost","Actual Cost","Difference",null,"Charity 2",null,null,{"$f":"Gifts[[#This Row],[Projected Cost]]-Gifts[[#This Row],[Actual Cost]]","v":0}]
[null,"Food",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0},null,"Charity 3",null,null,{"$f":"Gifts[[#This Row],[Projected Cost]]-Gifts[[#This Row],[Actual Cost]]","v":0}]
[null,"Medical",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",{"$f":"SUBTOTAL(109,H47:H49)","v":0},{"$f":"SUBTOTAL(109,I47:I49)","v":0},{"$f":"SUBTOTAL(109,Gifts[Difference])","v":0}]
[null,"Grooming",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0}]
[null,"Toys",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0},null,"LEGAL","Projected Cost","Actual Cost","Difference"]
[null,"Other",null,null,{"$f":"Pets[[#This Row],[Projected Cost]]-Pets[[#This Row],[Actual Cost]]","v":0},null,"Attorney",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
[null,"Subtotal",{"$f":"SUBTOTAL(109,C49:C53)","v":0},{"$f":"SUBTOTAL(109,D49:D53)","v":0},{"$f":"SUBTOTAL(109,Pets[Difference])","v":0},null,"Alimony",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
[{"$nulls":6},"Payments on lien or judgment",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
["Enter details in Personal Care table starting in cell at right and in Legal table starting in cell G52. Next instruction is in cell A59.","PERSONAL CARE","Projected Cost","Actual Cost","Difference",null,"Other",null,null,{"$f":"Legal[[#This Row],[Projected Cost]]-Legal[[#This Row],[Actual Cost]]","v":0}]
[null,"Medical",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"Subtotal",{"$f":"SUBTOTAL(109,H53:H56)","v":0},{"$f":"SUBTOTAL(109,I53:I56)","v":0},{"$f":"SUBTOTAL(109,Legal[Difference])","v":0}]
[null,"Hair/nails",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0}]
["Total Projected Cost is auto calculated in cell J59, Total Actual Cost in J61, and Total Difference in J63.","Clothing",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"TOTAL PROJECTED COST",null,null,{"$f":"SUBTOTAL(109,Housing[Projected Cost],Transportation[Projected Cost],Insurance[Projected Cost],Food[Projected Cost],Pets[Projected Cost],PersonalCare[Projected Cost],Entertainment[Projected Cost],Loans[Projected Cost],Taxes[Projected Cost],Savings[Projected Cost],Gifts[Projected Cost],Legal[Projected Cost])","v":262567}]
[null,"Dry cleaning",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0}]
[null,"Health club",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"TOTAL ACTUAL COST",null,null,{"$f":"SUBTOTAL(109,Housing[Actual Cost],Transportation[Actual Cost],Insurance[Actual Cost],Food[Actual Cost],Pets[Actual Cost],PersonalCare[Actual Cost],Entertainment[Actual Cost],Loans[Actual Cost],Taxes[Actual Cost],Savings[Actual Cost],Gifts[Actual Cost],Legal[Actual Cost])","v":197944}]
[null,"Organization dues or fees",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0}]
[null,"Other",null,null,{"$f":"PersonalCare[[#This Row],[Projected Cost]]-PersonalCare[[#This Row],[Actual Cost]]","v":0},null,"TOTAL DIFFERENCE",null,null,{"$f":"J59-J61","v":64623}]
[null,"Subtotal",{"$f":"SUBTOTAL(109,C57:C63)","v":0},{"$f":"SUBTOTAL(109,D57:D63)","v":0},{"$f":"SUBTOTAL(109,PersonalCare[Difference])","v":0}]