How-to-useBudget plannerSummaryIncomeOutgoingsWhat's LeftHOW TO USEShow results$71000ProgramsIncome you can save Excel file to your own computerIncome$710 you need Microsoft Office 2003 or higher (Excel)0$2030Total income:$7100$33000$600CustomisingOutgoings0$0Select0 you can choose how often you receive income or pay expenses using the dropdown list in the frequency columnFinancial comm.$2030$22Weekly0 you can customise the labels in the spreadsheet to better suit your needs by renaming existing fieldsHome$3300$223Fortnightly0Utilities$600$454Monthly0NOTE: Altering the budget planner (eg. adding rows/columns) may result in incorrect outputsEducation$00$05Quarterly0Health$20$206Annually0Shopping$2200$0FeedbackTransport$4500$0We welcome all feedback. Send feedback via the website form (www.moneysmart.gov.au/feedback) or use theEntertainment$0feedback options on the Budget Planner webpageEating out$20Total outgoings:$682This original version of this budget planner is published on www.moneysmart.gov.au and is subject to copyright.What's left:$28$710per month[Version: 2.00 - Sept 2011]$682$0Source: www.moneysmart.gov.au

Page &PFinancial commitmentsHome / utilitiesEducation / healthShopping / transportEntertainment / eating outIncomeResultsSource: www.moneysmart.gov.au

IncomeBudget plannerSummaryIncomeShow resultsFrequencyAmountMonthly AmountYour take-home pay$320$320Income3Your partner's take-home pay$390$390Income$7103Bonuses/overtime$0$0Total income:$7105Income from savings and investments$0$05OutgoingsSelect# in a yearAmountCentrelink benefits$0$0Financial comm.$2031Weekly52Weekly2Family benefit payments$0$0Home$3302Fortnightly26Fornightly2Utilities$603Monthly12MonthlyChild support received$0$0Education$04Quarterly4Quarterly3Other$0$0Health$25Annually1Annual3Total$710Shopping$22Transport$45Entertainment$0Eating out$20Total outgoings:$682What's left:$28per monthSource: www.moneysmart.gov.au

Page &PFinancial commitmentsHome / utilitiesEducation / healthShopping / transportEntertainment / eating outIncomeResultsSource: www.moneysmart.gov.au

Financial-CommitmentsBudget plannerSummaryFinancial CommitmentsShow resultsFrequencyAmountMonthly AmountRent / Mortgage$0$0Income1Car loan repayments$0$0Income$7103Other loan repayments$3$3Total income:$7103Credit card interest$0$03OutgoingsSelect# in a yearAmountVoluntary super contributions$0$0Financial comm.$2031Weekly52Weekly2Savings$170$170Home$3302Fortnightly26Fornightly3Utilities$603Monthly12MonthlyChild support payments$0$0Education$04Quarterly4Quarterly3Donations / Charity$10$10Health$25Annually1Annual3Shopping$22Pocket money$0$0Transport$451Type in your own expense$20$20Entertainment$03Total$203Eating out$20Total outgoings:$682What's left:$28per monthSource: www.moneysmart.gov.au

Page &PFinancial commitmentsHome / utilitiesEducation / healthShopping / transportEntertainment / eating outIncomeResultsSource: www.moneysmart.gov.au

Home-UtilitiesBudget plannerSummaryHomeShow resultsFrequencyAmountMonthly AmountCouncil rates$0$0Income4Body Corporate fees$0$0Income$7104Home and contents insurance$0$03Home maintenance and repairs$330$330Total income:$7103New furniture / Appliances$0$05Other$0$0OutgoingsSelect# in a yearAmount3Total$330Financial comm.$2031Weekly52WeeklyUtilitiesHome$3302Fortnightly26FornightlyUtilities$603Monthly12MonthlyElectricity$40$40Education$04Quarterly4Quarterly3Gas$0$0Health$25Annually1Annual4Water$0$0Shopping$224Internet$0$0Transport$453Pay TV$0$0Entertainment$03Home phone$0$0Eating out$203Mobile phone(s)$0$03Type in your own expense$20$20Total outgoings:$6823Total$60What's left:$28per monthSource: www.moneysmart.gov.au

Page &PFinancial commitmentsHome / utilitiesEducation / healthShopping / transportEntertainment / eating outIncomeResultsSource: www.moneysmart.gov.au

Education-HealthBudget plannerSummaryEducationShow resultsFrequencyAmountMonthly AmountSchool fees$0$0Income5Uni / TAFE$0$0Income$7105Childcare / Pre-school$0$01School uniforms$0$0Total income:$7105Sport, music, dance, etc$0$05Excursions$0$0OutgoingsSelect# in a yearAmount3Other$0$0Financial comm.$2031Weekly52Weekly3Total$0Home$3302Fortnightly26FornightlyHealthUtilities$603Monthly12MonthlyEducation$04Quarterly4QuarterlyPrivate health insurance$0$0Health$25Annually1Annual3Life insurance$0$0Shopping$223Doctors$0$0Transport$455Dentists$0$0Entertainment$05Medicines / Pharmacy$0$0Eating out$205Eyecare / Glasses$0$05Vet$0$0Total outgoings:$6825Type in your own expense$2$23Total$2What's left:$28per monthSource: www.moneysmart.gov.au

Page &PFinancial commitmentsHome / utilitiesEducation / healthShopping / transportEntertainment / eating outIncomeResultsSource: www.moneysmart.gov.au

Shopping-TransportBudget plannerSummaryShoppingShow resultsFrequencyAmountMonthly AmountSupermarket$2$2Income3Fruit / Veg$20$20Income$7103Baby products$0$01Clothing / Shoes$0$0Total income:$7103Cosmetics / Toiletries$0$03Hairdresser$0$0OutgoingsSelect# in a yearAmount4Gifts and others$0$0Financial comm.$2031Weekly52Weekly3Other food and grocery$0$0Home$3302Fortnightly26Fornightly1Total$22Utilities$603Monthly12MonthlyTransportEducation$04Quarterly4QuarterlyHealth$25Annually1AnnualCar insurance$0$0Shopping$225Car maintenance$0$0Transport$455Car rego / Licence$0$0Entertainment$05Petrol$0$0Eating out$202Road tolls / Parking$0$03Trains / Buses / Ferries$5$5Total outgoings:$6823Type in your own expense$40$403Total$45What's left:$28per monthSource: www.moneysmart.gov.au

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Entertainment-Eating-OutBudget plannerSummaryEntertainmentShow resultsFrequencyAmountMonthly AmountHolidays$0$0Income5Bars / Clubs$0$0Income$7101Other alcohol$0$01Gym / Sporting membership$0$0Total income:$7103Cigarettes$0$01Movies / Music$0$0OutgoingsSelect# in a yearAmount2Hobbies$0$0Financial comm.$2031Weekly52Weekly2Newspaper / Magazines$0$0Home$3302Fortnightly26Fortnightly1Celebrations$0$0Utilities$603Monthly12Monthly5Other$0$0Education$04Quarterly4Quarterly3Total$0Health$25Annually1AnnualEating outShopping$22Transport$45Restaurants$20$20Entertainment$03Takeaway / Snacks$0$0Eating out$201Bought lunches$0$01Coffee / Tea$0$0Total outgoings:$6821Type in your own expense$0$03Total$20What's left:$28Overall Summary freq3per monthSource: www.moneysmart.gov.au

Page &PFinancial commitmentsHome / utilitiesEducation / healthShopping / transportEntertainment / eating outIncomeResultsSource: www.moneysmart.gov.au

ResultsABudget plannerSummaryIncomeOutgoingsWhat's LeftSummaryShow results$71000Your budget position:IncomeYou are spending $28 per month less than you earn.Income$710Congratulations!0$00Total income:$7100$000$2030Your spending breakdownOutgoings0$330Select0Financial comm.$2030$601Weekly0Financial commitmentsSpending breakdownHome$3300$02Fortnightly0Home / UtilitiesFinancial commitments203Utilities$600$23Monthly0Education / HealthHome / Utilities390Education$00$224Quarterly0Shopping / TransportEducation / Health2Health$20$455Annually0Entertainment / Eating outShopping / Transport67Shopping$2200$0Entertainment / Eating out20Transport$4500$0Entertainment$0Eating out$20Next steps:1) Do a reality check. Is your bank account going up each month? If the results don't match, track your actualTotal outgoings:$682monthspending in more detail. The money is going somewhere!1week2) If you have spare money each month, think how best to use it, e.g.2fortnighti) repay any loans fasterWhat's left:$283monthii) put money into a special savings accountper month4quarter3) Print your plan.5yearSource: www.moneysmart.gov.au

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Financial commitmentsHome / UtilitiesEducation / HealthShopping / TransportEntertainment / Eating out

PrintPRINT FORMATUse Excel's toolbar to print this pageBudget plannerIncomeOutgoingsWhat's LeftSummarySummaryMonthly Amount1Total income:$710Total outgoings:$682What's left:$28Your budget position:You are spending $28 per month less than you earn.Congratulations!0$20300$3900Your spending breakdown0$0Select00$02Weekly00$00Your spending breakdownMonthly AmountFinancial commitments$203Spending breakdown0$673Fortnightly0Home / Utilities$390Financial commitments$2030$04Monthly0Education / Health$2Home / Utilities$3900$205Quarterly0Shopping / Transport$67Education / Health$20$06Annually0Entertainment / Eating out$20Shopping / Transport$6700$28Entertainment / Eating out$2000$0Next steps:1) Do a reality check. Is your bank account going up each month? If the results don't match, track your actualspending in more detail. The money is going somewhere!2) If you have spare money each month, think how best to use it, e.g.i) repay any loans faster$710ii) put money into a special savings accountiii) increase your contributions to superannuation or other investments$6823) Print your plan.Your detailed budgetIncomeFrequencyAmountMonthly AmountNotesYour take-home payMonthly$320$320Your partner's take-home payMonthly$390$390Bonuses/overtimeAnnuallyIncome from savings and investmentsAnnuallyCentrelink benefitsFortnightlyFamily benefit paymentsFortnightlyChild support receivedMonthlyOtherMonthlyFinancial CommitmentsFrequencyAmountMonthly AmountRent / MortgageWeeklyCar loan repaymentsMonthlyOther loan repaymentsMonthly$3$3Credit card interestMonthlyVoluntary super contributionsFortnightlySavingsMonthly$170$170Child support paymentsMonthlyDonations / CharityMonthly$10$10Pocket moneyWeeklyType in your own expenseMonthly$20$20Home / UtilitiesFrequencyAmountMonthly AmountCouncil ratesQuarterlyBody Corporate feesQuarterlyHome and contents insuranceMonthlyHome maintenance and repairsMonthly$330$330New furniture / AppliancesAnnuallyOtherMonthlyElectricityMonthly$40$40GasQuarterlyWaterQuarterlyInternetMonthlyPay TVMonthlyHome phoneMonthlyMobile phone(s)MonthlyType in your own expenseMonthly$20$20Education / HealthFrequencyAmountMonthly AmountSchool feesAnnuallyUni / TAFEAnnuallyChildcare / Pre-schoolWeeklySchool uniformsAnnuallySport, music, dance, etcAnnuallyExcursionsMonthlyOtherMonthlyPrivate health insuranceMonthlyLife insuranceMonthlyDoctorsAnnuallyDentistsAnnuallyMedicines / PharmacyAnnuallyEyecare / GlassesAnnuallyVetAnnuallyType in your own expenseMonthly$2$2Shopping / TransportFrequencyAmountMonthly AmountNotesSupermarketMonthly$2$2Fruit / VegMonthly$20$20Baby productsWeeklyClothing / ShoesMonthlyCosmetics / ToiletriesMonthlyHairdresserQuarterlyGifts and othersMonthlyOther food and groceryWeeklyCar insuranceAnnuallyCar maintenanceAnnuallyCar rego / LicenceAnnuallyPetrolFortnightlyRoad tolls / ParkingMonthlyTrains / Buses / FerriesMonthly$5$5Type in your own expenseMonthly$40$40Entertainment / Eating outFrequencyAmountMonthly AmountHolidaysAnnuallyBars / ClubsWeeklyOther alcoholWeeklyGym / Sporting membershipMonthlyCigarettesWeeklyMovies / MusicFortnightlyHobbiesFortnightlyNewspaper / MagazinesWeeklyCelebrationsAnnuallyOtherMonthlyRestaurantsMonthly$20$20Takeaway / SnacksWeeklyBought lunchesWeeklyCoffee / TeaWeeklyType in your own expenseMonthlyNotes$28Source: www.moneysmart.gov.au

Financial commitmentsHome / utilitiesEducation / healthShopping / transportEntertainment / eating outIncomeResults

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