Professional Documents
Culture Documents
Step 1
Step 2
Step 3
Step 4
Step 5
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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 $ 1,008.77
10/16/2015
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 $ 1,008.77
10/30/2015
10/31/2015
11/1/2015
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 $ 1,008.77
11/13/2015
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
$ 35.00
$ 610.00
$ 15.00
$ 68.85
$ 74.00
$ 125.00
$ 640.00
$ 405.84
$ 20.00
$ 261.11
$ 30.00
$ 36.00
$ 68.85
Withdrawals
$$$$$$$ 35.00
$$ 610.00
$ 15.00
$$$$ 68.85
$$$$$$$$$$ 74.00
$$ 125.00
$$$$$$ 640.00
$$ 405.84
$$ 20.00
$ 261.11
$$$ 30.00
$$$ 36.00
$$ 68.85
$$$-
Deposits
$ 400.00
$ 1,008.77
$ 1,008.77
$ 1,008.77
Checking
Acct Balance
$400.00
$400.00
$400.00
$400.00
$400.00
$400.00
$365.00
$1,373.77
$763.77
$748.77
$748.77
$748.77
$748.77
$679.92
$679.92
$679.92
$679.92
$679.92
$679.92
$679.92
$679.92
$1,688.69
$1,688.69
$1,614.69
$1,614.69
$1,489.69
$1,489.69
$1,489.69
$1,489.69
$1,489.69
$1,489.69
$849.69
$849.69
$443.85
$443.85
$1,432.62
$1,171.51
$1,171.51
$1,171.51
$1,141.51
$1,141.51
$1,141.51
$1,105.51
$1,105.51
$1,036.66
$1,036.66
$1,036.66
$1,036.66
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
Deposits
11/25/2015
11/26/2015 $ 1,008.77
11/27/2015
11/28/2015
11/29/2015
11/30/2015
12/1/2015
12/2/2015
12/3/2015
12/4/2015
12/5/2015
12/6/2015
12/7/2015
12/8/2015
12/9/2015
12/10/2015 $ 1,100.70
12/11/2015
12/12/2015
12/13/2015
12/14/2015
12/15/2015
12/16/2015
12/17/2015
12/18/2015
12/19/2015
12/20/2015
12/21/2015
12/22/2015
12/23/2015
12/24/2015
12/25/2015
12/26/2015
12/27/2015
12/28/2015
12/29/2015
12/30/2015
12/31/2015
1/1/2016
1/2/2016
1/3/2016
1/4/2016
1/5/2016
1/6/2016
1/7/2016
1/8/2016
1/9/2016
1/10/2016
1/11/2016
Car Loan
Car Ins
School
loan
Cable
Credit
Card
$ 195.00
$ 74.00
$ 85.00
$ 500.00
$ 656.00
$ 380.84
$ 261.11
$ 100.00
$ 45.00
$ 68.85
Withdrawals
$$$$$$ 195.00
$ 74.00
$$ 85.00
$$$$ 500.00
$ 656.00
$$ 380.84
$$ 261.11
$$ 100.00
$$$ 45.00
$$$$ 68.85
$$$$$$$$$$$$$$$$$$$$$-
Deposits
$ 1,008.77
$ 1,100.70
Checking
Acct Balance
$1,036.66
$2,045.43
$2,045.43
$2,045.43
$2,045.43
$1,850.43
$1,776.43
$1,776.43
$1,691.43
$1,691.43
$1,691.43
$1,691.43
$1,191.43
$535.43
$535.43
$1,255.29
$1,255.29
$994.18
$994.18
$894.18
$894.18
$894.18
$849.18
$849.18
$849.18
$849.18
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
1/12/2016
1/13/2016
1/14/2016
1/15/2016
1/16/2016
1/17/2016
1/18/2016
1/19/2016
1/20/2016
1/21/2016
1/22/2016
1/23/2016
1/24/2016
1/25/2016
1/26/2016
1/27/2016
1/28/2016
1/29/2016
1/30/2016
1/31/2016
2/1/2016
2/2/2016
2/3/2016
2/4/2016
2/5/2016
2/6/2016
2/7/2016
2/8/2016
2/9/2016
2/10/2016
2/11/2016
2/12/2016
2/13/2016
2/14/2016
2/15/2016
2/16/2016
2/17/2016
2/18/2016
2/19/2016
2/20/2016
2/21/2016
2/22/2016
2/23/2016
2/24/2016
2/25/2016
2/26/2016
2/27/2016
2/28/2016
Deposits
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$-
Deposits
Checking
Acct Balance
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
2/29/2016
3/1/2016
3/2/2016
3/3/2016
3/4/2016
3/5/2016
3/6/2016
3/7/2016
3/8/2016
3/9/2016
3/10/2016
3/11/2016
3/12/2016
3/13/2016
3/14/2016
3/15/2016
3/16/2016
3/17/2016
3/18/2016
3/19/2016
3/20/2016
3/21/2016
3/22/2016
3/23/2016
3/24/2016
3/25/2016
3/26/2016
3/27/2016
3/28/2016
3/29/2016
3/30/2016
3/31/2016
4/1/2016
4/2/2016
4/3/2016
4/4/2016
4/5/2016
4/6/2016
4/7/2016
4/8/2016
4/9/2016
4/10/2016
4/11/2016
4/12/2016
4/13/2016
4/14/2016
4/15/2016
4/16/2016
Deposits
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$-
Deposits
Checking
Acct Balance
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
4/17/2016
4/18/2016
4/19/2016
4/20/2016
4/21/2016
4/22/2016
4/23/2016
4/24/2016
4/25/2016
4/26/2016
4/27/2016
4/28/2016
4/29/2016
4/30/2016
5/1/2016
5/2/2016
5/3/2016
5/4/2016
5/5/2016
5/6/2016
5/7/2016
5/8/2016
5/9/2016
5/10/2016
5/11/2016
5/12/2016
5/13/2016
5/14/2016
5/15/2016
5/16/2016
5/17/2016
5/18/2016
5/19/2016
5/20/2016
5/21/2016
5/22/2016
5/23/2016
5/24/2016
5/25/2016
5/26/2016
5/27/2016
5/28/2016
5/29/2016
5/30/2016
5/31/2016
6/1/2016
6/2/2016
6/3/2016
Deposits
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$-
Deposits
Checking
Acct Balance
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program
Date
6/4/2016
6/5/2016
6/6/2016
6/7/2016
6/8/2016
6/9/2016
6/10/2016
6/11/2016
6/12/2016
6/13/2016
6/14/2016
6/15/2016
6/16/2016
6/17/2016
6/18/2016
6/19/2016
6/20/2016
6/21/2016
6/22/2016
6/23/2016
6/24/2016
6/25/2016
6/26/2016
6/27/2016
Deposits
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
$$$$$$$$$$$$$$$$$$$$$$$$-
Deposits
Checking
Acct Balance
Comments
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33
$780.33 Password to unprotect sheet: BudgetChallenge
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments
1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit
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
Car Loan
Car Ins
School
loan
Cable
Credit
Card
Withdrawals
Deposits
Checking
Acct Balance
Comments