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H&R Budget Challenge Spreadsheet

The document is a budget and cash flow spreadsheet used to track income, expenses, and bank account balances over time. It includes fields to enter deposit amounts on various dates, recurring expenses on expected due dates, and a running balance to monitor cash flow and account status. The tool is intended to help participants in a personal finance simulation program manage their finances.

Uploaded by

Sonya Tkachman
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
822 views

H&R Budget Challenge Spreadsheet

The document is a budget and cash flow spreadsheet used to track income, expenses, and bank account balances over time. It includes fields to enter deposit amounts on various dates, recurring expenses on expected due dates, and a running balance to monitor cash flow and account status. The tool is intended to help participants in a personal finance simulation program manage their finances.

Uploaded by

Sonya Tkachman
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
You are on page 1/ 18

Budget and Cash Flow Spreadsheet (

Step 1
Step 2
Step 3
Step 4
Step 5

1) Update the orange cell with the date of your simulation s


2) Enter you starting bank balance (top cell) and future pay
3) Enter in payments to vendors for bills on their expected
4) Review bank account every few days. Add any bank fee
5) Make notes for yourself in the comments to help with es

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
10/16/2015 $ 1,063.45
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
10/30/2015 $ 872.09
10/31/2015
11/1/2015

Bank fees Apartment

Renter's
Ins

Car Loan
$

Car Ins

School
loan

Cable

Energy bill Cell Phone

25.00

783.00

60.00

63.28

54.22

Date

Deposits

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
11/13/2015 $ 1,008.77
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
11/25/2015
11/26/2015
11/27/2015 $ 872.09
11/28/2015
11/29/2015
11/30/2015
12/1/2015
12/2/2015
12/3/2015
12/4/2015

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

650.00

380.84
$

261.11

783.00

195.00

64.87

60.00

204.22

Date

Deposits

12/5/2015
12/6/2015
12/7/2015
12/8/2015
12/9/2015
12/10/2015
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

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

803.75

650.00

School
loan

200.00

380.84

261.11

Cable

Energy bill Cell Phone

Date
1/7/2016
1/8/2016
1/9/2016
1/10/2016
1/11/2016
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

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
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
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

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
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

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
4/15/2016
4/16/2016
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

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
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
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

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Date
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

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

ow Spreadsheet (CFS)

with the date of your simulation start date


balance (top cell) and future paychecks (below the top cell)
ndors for bills on their expected transaction date (you may need to estimate some bill payments)
very few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
in the comments to help with establishing a routine or habit

s intended only for use with this program

Credit Card Withdrawals

$
$
$
$
$
250.00 $
$
$
$
$
$
$
$
69.00 $
$
$
$
$
$
$
$
$
$
$
$

25.00
250.00
783.00
132.28
114.22
-

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

400.00
1,063.45
872.09
-

Checking Acct
Balance
$375.00
$375.00
$375.00
$375.00
$375.00
$125.00
$125.00
$125.00
$1,188.45
$405.45
$405.45
$405.45
$405.45
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$273.17
$1,145.26
$1,031.04
$1,031.04

Comments

Credit Card Withdrawals

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
200.00 $
$
$
100.00 $
$
$
193.16 $
$

650.00
380.84
261.11
783.00
64.87
200.00
100.00
255.00
193.16
204.22

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,008.77
872.09
-

Checking Acct
Balance
$879.53
$879.53
$879.53
$879.53
$879.53
$879.53
$229.53
$229.53
$229.53
($151.31)
($151.31)
$596.35
$596.35
$596.35
$596.35
$596.35
$596.35
($186.65)
($186.65)
($186.65)
$146.16
$81.29
$81.29
$81.29
$80.79
$752.38
$752.38
$752.38
$652.38
$397.38
$395.88 $429.58 credit card
$202.72
($1.50)

Comments

Credit Card Withdrawals


$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

200.00
1,030.84
261.11
-

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

803.75
-

Checking Acct
Balance
$0.00 313.18 credit card
$0.00
($200.00)
($200.00)
($200.00)
($200.00)
($427.09)
($427.09)
($427.09)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals


$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals


$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals


$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals


$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals


$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)

Comments

Credit Card Withdrawals


$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$

Checking Acct
Balance
-

Comments

($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20)
($688.20) Password to unprotect sheet: BudgetChallenge

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