Financial

Simply Silver - Budget Worksheets (May - Dec 2011)

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BGT-Thumb.jpg
Usage advice: 

Simple budget worksheet template to match the rest of the Simply Silver Series.

Paper size: 
Classic (5.5 x 8.5)
License: 
Public Domain
Applications required: 
Adobe Reader, Microsoft Word (for source file)
Language: 
English

Simply Silver - Bank Registers (May - Dec 2011)

Thumbnail: 
BR-Thumb.jpg
Usage advice: 

Simple bank register template to match the rest of the Simply Silver Series.

Paper size: 
Classic (5.5 x 8.5)
License: 
Public Domain
Applications required: 
Adobe Reader, Microsoft Word (for source file)
Language: 
English

Bill Tracker

I have a hard time keeping track of which bills I've paid and which bills are outstanding. My AHS (Any horizontal surface) method of organization can be a bit chaotic at times, and while I've never had anything shut off (That one time with the internet doesn't count, right? It was their fault after all.) there have been times when it's been a bit dicey.
So, in order to combat this tendency, I made this template to help me keep track of who/what/when/where/and how much.
It's only got a left-hand space for holes because I don't generally use the back sides of pages. I know, bad precycler. I think it would be good to stick this on a pocket page too, to hold the bills!
I'm still figuring out the widget so I'll probably upload a classic size in addition to letter, and provide a second page with the hole space on the right later.

Usage advice: 

Gather together your bills and make a page for each. You can put the average amount you pay each month in the notes if you like. That can make it easier to budget.
Fill in the name/address/phone number/account number fields right away.
When your bill arrives each month fill in the amount due and the date due right away.
When Pay All The Bills day arrives, fill out the amount paid and the date paid fields.
Payment method allows you to state if you paid by check, internet, or phone. Confirmation number is for the confirmation number you get when you pay by phone or 'net, or the check number you used.
The notes section is helpful for when you have to call customer service and you need a space for all those ticket numbers, (In a billing spat with AT&T I discovered how helpful keeping track of that sort of thing is.) or to note any extra fees associated with the bill. Late fees, debit card fees, pay by phone fees, etc.

Paper size: 
Letter
License: 
Creative Commons
Applications required: 
PDF
Language: 
English

Keep-It-Simple Financial Planning (Part 3)

This article is the third in a series of financial planning. You might want to go back and read Keep-It-Simple Financial Planning (Part 1), and Keep-It-Simple Financial Planning (Part 2) before you begin looking at this article. This article talks about budgeting and you might find an easier time following it's advice if you read the other two first.

Your budget will help determine how much extra you can afford to pay in order to get out of debt. According to The Richest Man in Babylon, (which I highly suggest you read), "Save at least 1/10th of your income, and invest it. It is suggested that you find someone who is both honest and wise in investments. The purpose of this savings is to grow an estate for your future, and your family." I would also suggest that you become familiar with any company you invest in.


Weekly Receipts Envelope (#10)

This template prints onto a 4 1/8" x 9 1/2" envelope (aka #10 size or "business" envelope). Top line allows entering of month/year/week.

6 x 35 table with columns for date, details, bank, debit or credit card, amount, and expense type.

Usage advice: 

Ideal for heavy plastic users who generate piles of receipts and dream about reconciling their bank statements and tracking their expenses.

Test print onto a piece of paper. You may need to set print setup to "landscape" for your envelope. Feed them in one at a time to avoid off-center printing. Text and margins reconfigurable with OpenOffice Writer.

I divide each month into 4-5 weeks and print one envelope per week.

For week 1, I put 2/1 in the top row and 2/7 in the bottom row. Then for week 2, 2/8 in the top row and 2/15 in the bottom row, and so on.

I put a "D" if a debit card, "C" if a credit card, "$" if I used cash.

For cash back during POS transactions, I use two lines for my entry, with the second line saying "W/D" in the "Details" column and "$" in the "Type" column.

For gas purchases, I enter in the Details column the vendor, price/gal and # gals.

If I need a receipt for tax, warranty or reimbursement purposes I put a "T" "W" or "R" on the left edge of a given row. I use different colored highlighers and zigzag over the corresponding receipts. You can try colored stickers.

You can always print on both sides for 70 rows if you love to itemize expense categories.

I designed this template with an emphasis on creating an envelope you could carry with you to collect receipts.

I use personal finance software so I do not worry if I have a receipt covering multiple types of expenses, I just write "MIXED." I categorize when reconciling paper to digital. If you use paper I suggest you write "SNEAKERS" instead of "CLOTHING" at this stage. I find it's easier for me to classify from specifics than to have to remember specifics from a category.

The #10 envelope is big enough to hold the stupidly long receipts you get if you fold them in half.

Paper size: 
Other
License: 
Creative Commons
Applications required: 
OpenOffice Writer, Adobe Acrobat Reader
Language: 
English

Monthly Receipt Envelope

This is just another envelope for your receipts. Last year, I used the official receipt envelopes by Doug, but by the end of the year, I was quite tired of all the work it took to cut out, fold and glue them. I thought they were a bit too complicated, so one day, while playing with a piece of paper, I came up with this idea for folding and cutting. The form is just the weekly expense form I made last year for the template contest that you can find somewhere on this site. ;-) You can find the template HERE.

Thumbnail: 
receiptenvelopethumb.jpg
Usage advice: 

Putting it together:
If you are using scissors, it's only a couple cuts, and with a straight edge and X-acto knife it's even faster. Cut on the solid lines, and fold on the dotted lines.

Gluing is rather simple, too. I fold the sides, glue them, and then fold up the bottom flap, and glue that on the outside, but you could fold the sides, and glue the bottom flap on the inside.

To be really spiffy, you can take the two top corners, and, holding them together, cut a bit off (in an S-curve shape), so that, when it's all folded together, you have a notch in the back of the envelope. (If anybody wants help on understanding this, I can post an image on Flickr.)

Use:
Quite straight-forward. As you accumulate expense receipts, just toss them into the envelope. If you want or need to for business purposes, you can notate the expense on the front (or on the expense form I posted earlier--if I find a link, I'll add it here).

You can, of course punch these for adding to your binder, or for archiving purposes.

Both a PDF and OpenOffice.org drawing files are enclosed, so you can modify it if you wish.

One last point. I made this in A4 size, but I'm suspecting that US Letter should work OK, too.

Paper size: 
A5
License: 
Creative Commons
Applications required: 
PDF reader, OpenOffice.org for the drawing file
Language: 
English

One Year of Monthly Zero Based Budgets UPDATE: 1.2 version for OpenOffice/NeoOffice & Excel

Zero based budget spreadsheet for doing a budget for 12 months. Based on the concept described by Dave Ramsey.

Update: 1.1 includes some tweaks and a iWork '08 Numbers version.

Update: 1.2 includes a major bug fix for the OpenOffice/NeoOffice & Excel version. The way totals were calculated, all months would reflect the totals from January. This bug was not present in the Numbers version.

Note:I had to zip the Numbers version to get it to attach. Unzip it and then open with Numbers.

Thumbnail: 
preview_of_monthly_cashflow_plans.jpg
Usage advice: 

At the beginning of the month, fill in the income and expenses you expect for the month. Include how much you will save for emergencies, debts you will pay off, and money you will give away. The difference between your income and all the other things should equal $0. Live on this budget and then fill out the "actual income" and "actual expenses" sections at the end of the month to see how you did.

You should be able to print it out in various sizes, but I have found landscape letter size works about the best.

License details included as part of the spreadsheet itself.

Paper size: 
Letter and A4
License: 
Other (note the license in the description below)
Applications required: 
Microsoft Excel, NeoOffice, or OpenOffice or iWork '08 Numbers
Language: 
English

Day planning with to do list and expense tracker

This template fits a page size 2.75x4.25 inches, which results from dividing a letter sized page in 8. The template has a weekly calendar (names of days are in Spanish, sorry, but they can be easily modified), with space for appointments on the left side. On the right side, there is a small to do list, for all things that need to be done that week not tied to a particular date. At the bottom track, I use that space as an expense tracker: it has three columns, where the left one is used for the day (no need to add the full date since this is already a calendar), the description in the middle and the amount in the right.

The template was created using Inkscape. It allows me to have an overview of relevant things per week in a format small enough to carry even in my pocket. And because the paper size is a fraction of a letter size paper, there is no waste of paper. I tried creating an 8-up version, but doesn't work as well due to the reduced margins in my printer, so I deleted it.

I'm including the template in PDF format, as well as the source file for Inkscape (SVG format).

Thumbnail: 
TemplateAgendaSimple.png
Usage advice: 

Works best printed on pieces of 1/8 letter paper. It is tiny, and very portable, so a small pen is recommended. I print a bunch of these, and punch them at the top, then use a ring to bind them together, along with a protective/decorative cover.

Paper size: 
Other
License: 
Creative Commons
Applications required: 
Inkscape (for modifying template)
Language: 
Spanish

Monsters Categorized Expense Tracker

A personal expense tracker with categories.

Thumbnail: 
Usage advice: 

Here is my adaptation of an expense template, 4 up in ODG and PDF (I folded mine, so i've got 4 sheets for re-use).

I’ve added a categories column, and category legend (so you only use 1 letter to specify the category) with a couple lines (maybe too small) for entering your own category.

Every now and then, drop it in your inbox for processing and grab a fresh one.

Paper size: 
Letter
License: 
Creative Commons
Applications required: 
PDF Reader (Adobe Reader, Mac OS X Preview)
Language: 
English