DATE:	Budget	Payments	Bal-bom	Adjustment	Bal-eom	Notes	Notes:
Monthly							Column A - List all your expenses - monthly and non-monthly.
					0.00
					0.00		Budget amounts are negative.
					0.00		This is how much you need to set aside each month for this expense
					0.00
					0.00		Payments you make are positive. This can be via check, credit card or bank debit or cash.
					0.00
					0.00		Balance (beginning of the month) - copy the amount you see from the previous months column F
					0.00
					0.00		Adjustment is normally not used, but can be used to adjust accounts
					0.00
					0.00		Balance (end of the month) - This column show you the balance of this particular expense.
					0.00
					0.00		Notes area is to write down notes about that month's expenses.
					0.00
					0.00		Non-Monthly expenses are things life or car insurance which only come due every six months or yearly.
					0.00
					0.00		Saving (10% or more) should be automatically taken out of your paycheck and put
					0.00		into a savings account. These savings are not figured into you monthly living expenses.
					0.00
					0.00
					0.00
					0.00
					0.00
					0.00
					0.00		STEP BY STEP
					0.00
					0.00		Monthly Budget - Step by Step
Non-Monthly					0.00
					0.00		Col. A - list all of your expenses - monthly and non-monthly.
					0.00
					0.00		Col. B - List the amount of money you need to set aside for this expense each month.
					0.00		These are always negative numbers.
					0.00		Figure your annual expense and divide by twelve.
					0.00		If you’re planning a vacation and plan on spending $2400.
					0.00		Then divide that amount by 12 and you would enter -$200 in this column.
					0.00
					0.00		Col C - These are your actual cash payments. If it comes out of your bank account then it’s a payment. Credit card payments are only counted when they are actually paid.
					0.00
					0.00		Col. D - is the balance at the Beginning Of Month (BOM).
					0.00		You bring this figure over from Col F. of the previous month.
					0.00
					0.00		Col. E. - are adjustments to bring you back into balance.
					0.00		Normally you don’t use this column.
					0.00
					0.00		Col. F - is your Balance at the end of the month. (EOM)
					0.00
					0.00		Col. G - are for any notes you might want to make about this months activities.
					0.00
TOTALS	0.00	0.00	0.00		0.00		1. Each month open the budget from the previous month and rename it to the current month.
				CASH			2. Copy the balance from column F(EOM) and type it into column D(BOM)
							3. Delete the numbers in the payment column C from the previous month.
				SUMMARY	0.00
							4. Go through your bills and entire the expenses you paid for the month
							5. In the CASH column, enter the amount of amount of money you have in your checking account at  the end of the month.
							Your Summary - F56 is how you did at the end of the month.
							It should be either at ZERO or be a positive amount.