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{"sheet":"Step 1 - Income","index":0,"n_rows":19,"n_cols":4,"rows_kept":19,"cut":false,"hidden":false,"merged":[[1,1,1,2],[10,1,10,3]]}
[]
[null,"Monthly Net Income"]
[null,"Income Type","Amount"]
[null,"Net Salary #1",0]
[null,"Net Salary #2",0]
[null,"Net Salary #3",0]
[null,"Other Monthly Income ",0]
[null,"Other Monthly Income ",0]
[null,"Available Cash",{"$f":"SUM(C4:C8)","v":0}]
[]
[null,"Additional Income"]
[null,"Details","Month","Amount"]
[null,"Mid Year Bonus","June",0]
[null,"Year End Bonus","December",0]
[null,"Tax Return","April",0]
[null,"Total Additional Income",null,{"$f":"SUM(D13:D15)","v":0}]
[]
[]
[null,"Total Yearly Income",{"$f":"(C9*12)+D16","v":0}]

{"sheet":"Step 2 - Expenses","index":1,"n_rows":67,"n_cols":8,"rows_kept":67,"cut":false,"hidden":false,"merged":[[1,1,1,2],[1,4,1,7]]}
[]
[null,"Monthly Expenses",null,null,"Planned Expenses"]
[null,"Fixed Expenses","Costs",null,"Expense Category","Variable Expenses","Month","Amount"]
[null,"Giving",{"$f":"SUM(C5:C7)","v":0},null,"Personal","Holiday Decor & Hosting","December",0]
[null,"Church",0,null,"Personal","Holiday Travel","December",0]
[null,"Other Charitable",0,null,"Personal","Christmas Gifts","December",0]
[null,"(Enter an additional expense here)",0,null,"Personal","Birthday #1","January",0]
[null,"Home",{"$f":"SUM(C9:C14)","v":0},null,"Personal","Birthday #2","January",0]
[null,"Mortgage 1",0,null,"Personal","Birthday #3","January",0]
[null,"Mortgage 2",0,null,"Personal","Birthday #4","January",0]
[null,"Home Owners Insurance ",0,null,"Personal","Birthday #5","January",0]
[null,"Taxes",0,null,"Personal","Birthday #6","January",0]
[null,"Home Owners Association Dues",0,null,"Personal","Birthday #7","January",0]
[null,"(Enter an additional expense here)",0,null,"Personal","Birthday #8","January",0]
[null,"Utilities",{"$f":"SUM(C16:C21)","v":0},null,"Entertainment","Vacation #1","January",0]
[null,"Gas",0,null,"Entertainment","Vacation #2","January",0]
[null,"Electric",0,null,"Total Planned Expenses",null,null,{"$f":"SUM(H4:H16)","v":0}]
[null,"Water ",0]
[null,"Garbage ",0]
[null,"Phone",0]
[null,"(Enter an additional expense here)",0]
[null,"Health",{"$f":"SUM(C23:C27)","v":0}]
[null,"Health Insurance ",0]
[null,"Monthly Dr & Prescription",0]
[null,"Monthly Dental",0]
[null,"Monthly Vision",0]
[null,"(Enter an additional expense here)",0]
[null,"Auto",{"$f":"SUM(C29:C34)","v":0}]
[null,"Car Payment #1",0]
[null,"Car Payment #2 ",0]
[null,"Car Insurance",0]
[null,"Auto Maintenance ",0]
[null,"Fuel",0]
[null,"(Enter an additional expense here)",0]
[null,"Food",{"$f":"SUM(C36:C40)","v":0}]
[null,"Groceries",0]
[null,"Eating Out",0]
[null,"Kid Lunches",0]
[null,"Parent Lunches",0]
[null,"(Enter an additional expense here)",0]
[null,"Entertainment",{"$f":"SUM(C42:C48)","v":0}]
[null,"Cable Bill",0]
[null,"Internet",0]
[null,"Entertainment",0]
[null,"Parent Hobbies",0]
[null,"Children Hobbies",0]
[null,"(Enter an additional expense here)",0]
[null,"(Enter an additional expense here)",0]
[null,"Personal",{"$f":"SUM(C50:C56)","v":0}]
[null,"Cosmetics",0]
[null,"Hair, Beauty, & Tanning",0]
[null,"Dry Cleaning",0]
[null,"Fitness",0]
[null,"Clothing",0]
[null,"Child Care",0]
[null,"(Enter an additional expense here)",0]
[null,"Savings",{"$f":"SUM(C58:C60)","v":0}]
[null,"Personal Savings",0]
[null,"Kid's Savings",0]
[null,"(Enter an additional expense here)",0]
[null,"Consumer Debt",{"$f":"SUM(C62:C66)","v":0}]
[null,"Credit Card #1",0]
[null,"Credit Card #2",0]
[null,"Credit Card #3",0]
[null,"Student Loans",0]
[null,"(Enter an additional expense here)",0]
[null,"Total Monthly Expenses",{"$f":"C4+C8+C15+C22+C28+C35+C41+C49+C57+C61","v":0}]

{"sheet":"Annual Budget Overview","index":2,"n_rows":24,"n_cols":14,"rows_kept":24,"cut":false,"hidden":false,"merged":[[1,1,1,13],[12,1,12,4]]}
[]
[null,"Annual Budget by Month"]
[null,"Income and Expenses","January","February","March","April","May","June","July","August","September","October","November","December"]
[null,"Previous month’s balance",null,{"$f":"C9","v":0},0,0,0,0,0,0,0,0,0,0]
[null,"Available cash",{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0},{"$f":"'Step 1 - Income'!$C$9","v":0}]
[null,"Additional income",{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,C3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,D3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,E3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,F3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,G3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,H3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,I3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,J3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,K3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,L3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,M3,'Step 1 - Income'!$D13:$D15)","v":0},{"$f":"SUMIF('Step 1 - Income'!$C13:$C15,N3,'Step 1 - Income'!$D13:$D15)","v":0}]
[null,"Monthly expenses",{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0},{"$f":"'Step 2 - Expenses'!$C$67","v":0}]
[null,"Planned expenses",{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,C3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,D3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,E3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,F3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,G3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,H3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,I3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,J3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,K3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,L3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,M3,'Step 2 - Expenses'!$H4:$H16)","v":0},{"$f":"SUMIF('Step 2 - Expenses'!$G4:$G16,N3,'Step 2 - Expenses'!$H4:$H16)","v":0}]
[null,"Total",{"$f":"SUM(C4:C6)-SUM(C7:C8)","v":0},{"$f":"SUM(D4:D6)-SUM(D7:D8)","v":0},0,0,0,0,0,0,0,0,0,0]
[]
[]
[]
[null,"Yearly Category Expenses to Income"]
[null,null,"Total ","Percentage of Income","Goal"]
[null,"Giving",{"$f":"('Step 2 - Expenses'!C4*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B15,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C15=0,\"0%\",C15/'Step 1 - Income'!C$19)","v":"0%"},"10-15%"]
[null,"Home",{"$f":"('Step 2 - Expenses'!C8*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B16,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C16=0,\"0%\",C16/'Step 1 - Income'!C$19)","v":"0%"},"25-35%"]
[null,"Utilities",{"$f":"('Step 2 - Expenses'!C15*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B17,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C17=0,\"0%\",C17/'Step 1 - Income'!C$19)","v":"0%"},"5-10%"]
[null,"Health",{"$f":"('Step 2 - Expenses'!C22*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B18,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C18=0,\"0%\",C18/'Step 1 - Income'!C$19)","v":"0%"},"5-10%"]
[null,"Auto",{"$f":"('Step 2 - Expenses'!C28*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B19,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C19=0,\"0%\",C19/'Step 1 - Income'!C$19)","v":"0%"},"10-15%"]
[null,"Food",{"$f":"('Step 2 - Expenses'!C35*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B20,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C20=0,\"0%\",C20/'Step 1 - Income'!C$19)","v":"0%"},"5-15%"]
[null,"Entertainment",{"$f":"('Step 2 - Expenses'!C41*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B21,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C21=0,\"0%\",C21/'Step 1 - Income'!C$19)","v":"0%"},"5-10%"]
[null,"Personal",{"$f":"('Step 2 - Expenses'!C49*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B22,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C22=0,\"0%\",C22/'Step 1 - Income'!C$19)","v":"0%"},"5-10%"]
[null,"Savings",{"$f":"('Step 2 - Expenses'!C57*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B23,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C23=0,\"0%\",C23/'Step 1 - Income'!C$19)","v":"0%"},"5-10%"]
[null,"Consumer Debt",{"$f":"('Step 2 - Expenses'!C61*12)+SUMIF('Step 2 - Expenses'!E4:E16,'Annual Budget Overview'!B24,'Step 2 - Expenses'!H4:H16)","v":0},{"$f":"IF(C24=0,\"0%\",C24/'Step 1 - Income'!C$19)","v":"0%"},"5-10%"]

{"sheet":"Instructions","index":3,"n_rows":47,"n_cols":2,"rows_kept":47,"cut":false,"hidden":false,"merged":[]}
[]
[null,"Instructions"]
[]
[null,"Step 1 - Income"]
[]
[null,"Monthly Net Income"]
[null,"On the \"Step 1 - Income\" tab, enter each person's monthly net salary amount."]
[null,"*Note: The net salary is the bring-home amount."]
[null,"You may rename the income types if you'd like, such as \"Net Salary #1\" to \"John's Salary\"."]
[null,"Do not delete any unused cells, just leave the amounts as \"0\" to ensure the formulas continue to work properly."]
[]
[null,"Additional Income"]
[null,"Use this section if you need to list bonuses, a tax return, or any other non-monthly income.  If you do not need to use this section, please leave as is and do not delete any of the fields to ensure the formulas work correctly."]
[]
[null,"You may rename the type of income, such as \"Year End Bonus\" to \"Sally's Yearly Bonus\"."]
[null,"Select the month of the expected income from the drop down menu."]
[null,"Enter the net (bring-home) amount of the expected income in the column next to the  month."]
[null,"Do not delete any unused cells, just leave the amounts as \"0\" to ensure the formulas continue to work properly."]
[]
[null,"Step 2 - Expenses"]
[]
[null,"Monthly Expenses"]
[null,"Enter the monthly amount next to the corresponding expense."]
[null,"There is at least one cell under each category that says \"(Enter an additional expense here)\".  You may enter an additional expense here and enter the amount next to it if you have an expense that isn't listed in any given category."]
[null,"Do not delete any unused cells, just leave the amounts as \"0\" to ensure the formulas continue to work properly."]
[]
[null,"Planned Expenses"]
[null,"This section is for yearly expenses such as Christmas, birthdays, and vacations."]
[null,"Under \"Expense Category\", select an option from the drop down list, such as \"Personal\"."]
[null,"Under \"Variable Expenses\", you may enter what the expense is, such as \"Holiday Decor & Hosting\"."]
[null,"Select the month of the planned expense from the drop down menu."]
[null,"Under \"Amount\", enter the budgeted amount for that expense."]
[null,"Do not delete any unused cells, just leave the amounts as \"0\" to ensure the formulas continue to work properly."]
[]
[null,"Annual Budget Overview"]
[null,"*Note: Once all of the income and expenses are entered, this sheet will automatically populate."]
[]
[null,"Annual Budget by Month"]
[null,"This section adds all income, subtracts all expenses, and takes into account additional non-monthly income and expenses.  The previous month's balance, whether positive or negative, carries over to the next month."]
[]
[null,"Yearly Category Expenses to Income"]
[null,"This section totals all of your expenses by category to allow you to see where your money is going."]
[null,"The \"Percentage of Income\" column calculates the percentage of your income that is being spent on each given category."]
[null,"The goal column gives you an idea of an optimal range to aim for in order to achieve a healthy stewardship lifestyle."]
[]
[null,"Financial Trajectory"]
[null,"This is simply a trend of the totaled monthly amounts in the \"Annual Budget by Month\" section.  It gives you a visual of the health of your finances."]