cash doctors budget planner

Terms of UseCashDoctors.com.au

Please read and agree to the terms of use below before using this budgeting tool.

This budgeting tool has been provided to the user with the following conditions:

If you choose to use this budgeting tool, you do so at your own risk and are responsible for your own due diligence.

By opening this file you are by default, unconditionally accepting all of the above terms of use.

This budgeting tool has not been formally audited or reviewed and Cash Doctors accepts no responsibility for the adequacy, accurateness or completeness of this tool either inherent or explicit.

As this budgeting tool has been downloaded to various electronic locations, Cash Doctors does not guarantee that the file is free from computer viruses and electronic errors which may affect the integrity of the file and the system which receives it.

This budgeting tool has been designed so that you can input your personal data to apply certain budgeting principals to your individual situation. Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to the data you input into the tool.

Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to inadequacies or errors within the coding of this budgeting tool.

I have reviewed, understand and consent to the Terms of Use and want to proceed

Please read and agree to the terms of use below before using this budgeting tool.

This budgeting tool has been provided to the user with the following conditions:

If you choose to use this budgeting tool, you do so at your own risk and are responsible for your own due diligence.

By opening this file you are by default, unconditionally accepting all of the above terms of use.

This budgeting tool has not been formally audited or reviewed and Cash Doctors accepts no responsibility for the adequacy, accurateness or completeness of this tool either inherent or explicit.

As this budgeting tool has been downloaded to various electronic locations, Cash Doctors does not guarantee that the file is free from computer viruses and electronic errors which may affect the integrity of the file and the system which receives it.

This budgeting tool has been designed so that you can input your personal data to apply certain budgeting principals to your individual situation. Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to the data you input into the tool.

Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to inadequacies or errors within the coding of

I have reviewed, understand and consent to the Terms of Use and want to proceed

Let's Start!Provide some basic information below, learn how to use the tool and find out what it will show yo

Enter your initial details

Follow these simple steps to plan your budget and track your actual spending

1. Choose between a basic annual budget and an advanced monthly budget

2. Enter your estimated earnings

3. Don't forget to list every one of your income sources (e.g. shares, salary, odd jobs)

1. Choose between a basic annual budget and an advanced monthly budget

2. Enter all of your expected expenses (e.g. how much you would allocate for your transport expenses, home loan/rent etc.)

1. Track your ACTUAL expenses throughout your selected budget period (this is different from your EXPECTED expense which you entered on tab 3 called "Step 2. Expenses")

2. Enter all of your expenses as you actually spend, this will save you time entering it all at the end of the month

Step 4: Your Summary Graphs

1. What year would you like to budget for? (e.g. this year or next?)

2. Select the month you want to start with (e.g this month or in the future?)

3. How much have you already saved? ($XX)

Step 1: Enter your earnings

Step 2: Enter your expected expenses

Step 3: Track your actual spending as you go

1. See where your money is going at a glance with easy to read graphs

2. Check the graphs regularly and print them to keep you and your family up to date on where your money is going and where you can improve

Additional Savings Tools A. Savings Estimator Tool: Estimate your total savings potential

B. Savings Time Target Tool: See how long it will take to reach your savings goal

C. Monthly Savings Tool: Find out how much you need to save to hit your time and savings goals

Provide some basic information below, learn how to use the tool and find out what it will show yo

2. Enter all of your expected expenses (e.g. how much you would allocate for your transport expenses, home loan/rent etc.)

1. Track your ACTUAL expenses throughout your selected budget period (this is different from your EXPECTED expense which you entered on tab 3 called "Step 2. Expenses")

2. Enter all of your expenses as you actually spend, this will save you time entering it all at the end of the month

2. Check the graphs regularly and print them to keep you and your family up to date on where your money is going and where you can improve

: Find out how much you need to save to hit your time and savings goals

Step 1. EarningsEnter your earnings in this worksheet

1-2. Complete the table below with your estimated earnings starting in row 16 (don't forget to list EVERY one of your income sources)

(Select which budgeting system you want to use) << Drop down (click the orange)

Basic Frequency Amount Monthly Average

Name this row -

Name this row -

Name this row -

Name this row -

Name this row -

Name this row -

Name this row -

Total -

TOTAL EARNINGS: -

1-1. Select the Basic Budgeting System if you receive frequent and equal amounts of money weekly, monthly, quarterly or annually

OR select the Advanced Budgeting System if you expect to earn different amounts each month

Enter your earnings in this worksheet

1-2. Complete the table below with your estimated earnings starting in row 16 (don't forget to list EVERY one of your income sources)

Advanced Yearly Total - - - - -

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if you receive frequent and equal amounts of money weekly, monthly, quarterly or annually

Advanced Budgeting System if you expect to earn different amounts each month

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Step 2. ExpensesEnter your expected spending in this worksheet

2-2. Complete the tables below with your expected expenses starting in row 16

(Select which budgeting system you want to use) << Drop down (click the orange)

Basic Transport Expenses Frequency Amount Monthly Average

Car Loan/Lease -

Car Registration -

Car Maintenance -

Car Insurance -

Public Transportation -

Petrol -

Others (name this row) -


Total -

Home Expenses Frequency Amount Monthly Average

Home Loan -

Rent -

Maintenance -

Insurance -

Assets (Furniture, Computer, etc) -

Groceries -

Laundry -

Food -



Total -

Utility Bills Expenses Frequency Amount Monthly Average

2-1. Select the Basic Budgeting System if you expect to spend the same amount of money on a frequent and regular basis

OR select the Advanced Budgeting System if you expect to have different monthly spending habits

Phone -

Mobile Phone -

Gas -

Electric -

Internet -

Water -

Cleaners -



Total -

Health Care Expenses Frequency Amount Monthly Average

Health Insurance -

Life Insurance -

Dental -

Medical -

Chemist -

Optical -



Total -

Entertainment Expenses Frequency Amount Monthly Average

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Movie/Show Rentals -

Restaurants -

TV Subscriptions -

Shopping -

Travel/Holidays -



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Miscellaneous Expenses Frequency Amount Monthly Average






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TOTAL SPENDING: -

Enter your expected spending in this worksheet

2-2. Complete the tables below with your expected expenses starting in row 16

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if you expect to spend the same amount of money on a frequent and regular basis

Advanced Budgeting System if you expect to have different monthly spending habits

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Step 3. Track as you goTrack your actual spending in this worksheet

3-2. Scroll down and enter your ACTUAL spending on each of the items in the tables

3-3. Row 25 will then show you how much left over cash you have for each month

Actual Earnings vs. Actual Spend - - -

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TOTAL EARNINGS: - - -

TOTAL SPENDING: - - -

Left over cash: - - -

Ok Ok Ok

Transport Expenses Car Loan/Lease

Car Registration

Car Maintenance

Car Insurance

Public Transportation

Petrol

Others (name this row)


Total - - -

3-1. Enter your monthly earnings in the top table; the fastest way to do this is by re-entering the data you entered in tab 1 (Step 1. Earnings)

Home Expenses Home Loan

Rent

Maintenance

Insurance

Assets (Furniture, Computer, etc)

Groceries

Laundry

Food



Total - - -

Utility Bills Expenses Phone

Mobile Phone

Gas

Electric

Internet

Water

Cleaners



Total - - -

Health Care Expenses Health Insurance

Life Insurance

Dental

Medical

Chemist

Optical



Total - - -

Entertainment Expenses Movies

Movie/Show Rentals

Restaurants

TV Subscriptions

Shopping

Travel/Holidays



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Miscellaneous Expenses Others (name this row)





Total - - -

Track your actual spending in this worksheet

3-2. Scroll down and enter your ACTUAL spending on each of the items in the tables

3-3. Row 25 will then show you how much left over cash you have for each month

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3-1. Enter your monthly earnings in the top table; the fastest way to do this is by re-entering the data you entered in tab 1 (Step 1. Earnings)

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Step 4. Summary Graphs See your Budget Summary in graph format

(Select Time Period) Please complete the initial details required in the LET'S START tab

Actual Monthly Summary

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Actual amount you are earning - -

Actual amount you are spending - -

Actual money you have left for the month - -

Track your savings!

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Money at the start of the month - -

Actual Income per month - -

Actual Expenditures per month - -

How much money do you have at the end of the month - -

Actual vs. BudgetSummary

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Actual vs. BudgetIncome

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Actual vs. BudgetExpenses

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Utility Bills Expenses - -

Health Care Expenses - -

Entertainment Expenses - -

Miscellaneous Expenses - -

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Expense DetailsTransport Expenses Budget Actual

Car Loan/Lease - -

Car Registration - -

Car Maintenance - -

Car Insurance - -

Public Transportation - -

Petrol - -

Others (name this row) - -


Total - -

Home Expenses Budget Actual

Transport Expenses Home Expenses Utility Bills Expenses Health Care Expenses Entertainment Expenses

Miscellaneous Expenses

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Home Loan - -

Rent - -

Maintenance - -

Insurance - -

Assets (Furniture, Computer, etc) - -

Groceries - -

Laundry - -

Food - -



Total - -

Utility Bills Expenses Budget Actual

Phone - -

Mobile Phone - -

Gas - -

Electric - -

Internet - -

Water - -

Cleaners - -



Total - -

Health Care Expenses Budget Actual

Health Insurance - -

Life Insurance - -

Dental - -

Medical - -

Chemist - -

Optical - -



Total - -

Entertainment Expenses Budget Actual

Movies - -

Movie/Show Rentals - -

Restaurants - -

TV Subscriptions - -

Shopping - -

Travel/Holidays - -



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Miscellaneous Expenses Budget Actual






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See your Budget Summary in graph format Please complete the initial details required in the LET'S START tab << Drop down (year-to-date as of what month?)

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Actual Expense Breakdown

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Savings Estimator ToolSee how much you can save in 5 years

1. Enter the initial information required below (e.g. How much are your estimated monthly savings?

2. Find out your savings potential over the next 5 years (row 37)

3. You can enter one-off additional savings amounts in column G from row 46 down

Initial Information 1. How much have you already saved? ($$)

2. How much are your monthly savings?*

3. What is your current bank account interest rate per year? << Enter your savings account annual interest rate

4. Please enter your starting year* << Enter your starting year in full, e.g. 2012

5. Please enter your starting month* << Drop down

* required fields

Year 1 Year 2 Year 3 Year 4

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Track your Monthly Savings Enter your one-off additional savings in the white column below

(column G)

Amount saved per year(cumulative)

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Savings Chart

Savings Account estimated closing balance per year

Month Opening Balance Monthly Savings Additional Savings Interest Earned

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1. Enter the initial information required below (e.g. How much are your estimated monthly savings?

2. Find out your savings potential over the next 5 years (row 37)


<< Enter your savings account annual interest rate

<< Enter your starting year in full, e.g. 2012

<< Drop down

Year 5

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Enter your one-off additional savings in the white column below (column G)

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Savings Chart

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Savings Time Target ToolSee how long it will take to achieve your savings target

1. Enter the initial information required below (e.g. How much is your savings target? How much can you save every month?)

2. Find out when you will reach your savings target (rows 17 and 19)


Initial Information 1. How much have you already saved? ($$)

2. How much savings do you want to achieve?*

3. How much are your monthly savings?*


5. Please enter your starting year* << Enter your starting year in full, e.g. 2012

6. Please enter your starting month* << Drop down

* required fields

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or by… -

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Savings Account Closing Balance Target SavingsTarget Achieved

Track your Monthly Savings Enter your one-off additional savings in the white column below

(column G)

Month Opening Balance Monthly Savings Additional Savings Interest Earned

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See how long it will take to achieve your savings target 1. Enter the initial information required below (e.g. How much is your savings target? How much can you save every month?)

2. Find out when you will reach your savings target (rows 17 and 19)



<< Enter your starting year in full, e.g. 2012

<< Drop down

Please complete the required fields above

> 20 years

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Enter your one-off additional savings in the white column below (column G)

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Monthly Savings ToolSee how much you need to save per month to reach your savings target

1. Enter the initial information required below (e.g. How much is your savings target? When do you need to have saved this amount by

2. See how much you need to save every month to achieve your savings target (row 15)

Initial Information 1. How much money do you want to save?*

2. When do you need the money?* << Drop down

3. How much have you already saved? ($$)


* required fields

Please complete the required fields above

Month Opening Balance Savings Required Interest Earned Closing Balance

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See how much you need to save per month to reach your savings target 1. Enter the initial information required below (e.g. How much is your savings target? When do you need to have saved this amount by

2. See how much you need to save every month to achieve your savings target (row 15)

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cash doctors budget planner

Economy & Finance