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Page 1 Budget planner Summary HOW TO USE Show results Programs Income Income $108,000 Total income: $108,000 Customising Outgoings Financial comm. $0 Home $15,275 Utilities $15,300 NOTE: Altering the budget planner (eg. adding rows/columns) may result in incorrect outputs Education $1,750 Health $0 Shopping $0 Feedback Transport $0 We welcome all feedback. Send feedback via the website form (www.moneysmart.gov.au/feedback) or use the Entertainment $0 feedback options on the Budget Planner webpage Eating out $0 Total outgoings: $32,325 This original version of this budget planner is published on www.moneysmart.gov.au and is subject to copyri What's left: $75,675 per quarter [Version: 2.00 - Sept 2011] § you can save Excel file to your own computer § you need Microsoft Office 2003 or higher (Excel) § you can choose how often you receive income or pay expenses using the dropdown list in the frequency column § you can customise the labels in the spreadsheet to better suit your needs by renaming existing fields Source: www.moneysmart.gov.au Financial commitments Home / utilities Education / health Shopping / transport Entertainment / eating out Income Results

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Budget Planner

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How-to-useBudget plannerSummaryIncomeOutgoingsWhat's LeftHOW TO USEShow results$108,00000ProgramsIncome you can save Excel file to your own computerIncome$108,000 you need Microsoft Office 2003 or higher (Excel)0$00Total income:$108,0000$15,27500$15,3000CustomisingOutgoings0$1,750Select0 you can choose how often you receive income or pay expenses using the dropdown list in the frequency columnFinancial comm.$00$02Weekly0 you can customise the labels in the spreadsheet to better suit your needs by renaming existing fieldsHome$15,2750$03Fortnightly0Utilities$15,3000$04Monthly0NOTE: Altering the budget planner (eg. adding rows/columns) may result in incorrect outputsEducation$1,7500$05Quarterly0Health$00$06Annually0Shopping$000$0FeedbackTransport$000$0We welcome all feedback. Send feedback via the website form (www.moneysmart.gov.au/feedback) or use theEntertainment$0feedback options on the Budget Planner webpageEating out$0Total outgoings:$32,325This original version of this budget planner is published on www.moneysmart.gov.au and is subject to copyright.What's left:$75,675$108,000per quarter[Version: 2.00 - Sept 2011]$32,325$0Source: www.moneysmart.gov.au
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Financial commitments
Home / utilities
Education / health
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Income
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Source: www.moneysmart.gov.au
IncomeBudget plannerSummaryIncomeShow resultsFrequencyAmountQuarterly AmountYour take-home pay$30,000$90,000Income3Your partner's take-home pay$0$0Income$108,0003Bonuses/overtime$36,000$9,000Total income:$108,0005Income from savings and investments$36,000$9,0005OutgoingsSelect# in a yearAmountCentrelink benefits$0$0Financial comm.$01Weekly52Weekly2Family benefit payments$0$0Home$15,2752Fortnightly26Fornightly2Utilities$15,3003Monthly12MonthlyChild support received$0$0Education$1,7504Quarterly4Quarterly3Other$0$0Health$05Annually1Annual3Total$108,000Shopping$0Transport$0Entertainment$0Eating out$0Total outgoings:$32,325What's left:$75,675per quarterSource: www.moneysmart.gov.au
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Home / utilities
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Financial-CommitmentsBudget plannerSummaryFinancial CommitmentsShow resultsFrequencyAmountQuarterly AmountRent / Mortgage$0Income1Car loan repayments$0$0Income$108,0003Other loan repayments$0$0Total income:$108,0003Credit card interest$0$03OutgoingsSelect# in a yearAmountVoluntary super contributions$0$0Financial comm.$01Weekly52Weekly2Savings$0$0Home$15,2752Fortnightly26Fornightly2Utilities$15,3003Monthly12MonthlyChild support payments$0$0Education$1,7504Quarterly4Quarterly3Donations / Charity$0$0Health$05Annually1Annual3Shopping$0Pocket money$0$0Transport$01Type in your own expense$0$0Entertainment$03Total$0Eating out$0Total outgoings:$32,325What's left:$75,675per quarterSource: www.moneysmart.gov.au
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Financial commitments
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Source: www.moneysmart.gov.au
Home-UtilitiesBudget plannerSummaryHomeShow resultsFrequencyAmountQuarterly AmountCouncil rates$100$25Income5Body Corporate fees$0$0Income$108,0003Home and contents insurance$0$03Home maintenance and repairs$3,000$750Total income:$108,0005New furniture / Appliances$10,000$2,5005Other$4,000$12,000OutgoingsSelect# in a yearAmount3Total$15,275Financial comm.$01Weekly52WeeklyUtilitiesHome$15,2752Fortnightly26FornightlyUtilities$15,3003Monthly12MonthlyElectricity$1,000$3,000Education$1,7504Quarterly4Quarterly3Gas$1,000$3,000Health$05Annually1Annual3Water$400$1,200Shopping$03Internet$500$1,500Transport$03Pay TV$400$1,200Entertainment$03Home phone$500$1,500Eating out$03Mobile phone(s)$300$9003Type in your own expense$1,000$3,000Total outgoings:$32,3253Total$15,300What's left:$75,675per quarterSource: www.moneysmart.gov.au
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Financial commitments
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Source: www.moneysmart.gov.au
Education-HealthBudget plannerSummaryEducationShow resultsFrequencyAmountQuarterly AmountSchool fees$5,000$1,250Income5Uni / TAFE$0$0Income$108,0005Childcare / Pre-school$0$01School uniforms$1,000$250Total income:$108,0005Sport, music, dance, etc$1,000$2505Excursions$0$0OutgoingsSelect# in a yearAmount3Other$0$0Financial comm.$01Weekly52Weekly3Total$1,750Home$15,2752Fortnightly26FornightlyHealthUtilities$15,3003Monthly12MonthlyEducation$1,7504Quarterly4QuarterlyPrivate health insurance$0$0Health$05Annually1Annual3Life insurance$0$0Shopping$03Doctors$0$0Transport$05Dentists$0$0Entertainment$05Medicines / Pharmacy$0$0Eating out$05Eyecare / Glasses$0$05Vet$0$0Total outgoings:$32,3255Type in your own expense$0$03Total$0What's left:$75,675per quarterSource: www.moneysmart.gov.au
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Financial commitments
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Source: www.moneysmart.gov.au
Shopping-TransportBudget plannerSummaryShoppingShow resultsFrequencyAmountQuarterly AmountSupermarket$0$0Income1Fruit / Veg$0$0Income$108,0001Baby products$0$01Clothing / Shoes$0$0Total income:$108,0003Cosmetics / Toiletries$0$03Hairdresser$0$0OutgoingsSelect# in a yearAmount4Gifts and others$0$0Financial comm.$01Weekly52Weekly3Other food and grocery$0$0Home$15,2752Fortnightly26Fornightly1Total$0Utilities$15,3003Monthly12MonthlyTransportEducation$1,7504Quarterly4QuarterlyHealth$05Annually1AnnualCar insurance$0$0Shopping$05Car maintenance$0$0Transport$05Car rego / Licence$0$0Entertainment$05Petrol$0$0Eating out$02Road tolls / Parking$0$03Trains / Buses / Ferries$0$0Total outgoings:$32,3251Type in your own expense$0$03Total$0What's left:$75,675per quarterSource: www.moneysmart.gov.au
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Financial commitments
Home / utilities
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Source: www.moneysmart.gov.au
Entertainment-Eating-OutBudget plannerSummaryEntertainmentShow resultsFrequencyAmountQuarterly AmountHolidays$0$0Income5Bars / Clubs$0$0Income$108,0001Other alcohol$0$01Gym / Sporting membership$0$0Total income:$108,0003Cigarettes$0$01Movies / Music$0$0OutgoingsSelect# in a yearAmount2Hobbies$0$0Financial comm.$01Weekly52Weekly2Newspaper / Magazines$0$0Home$15,2752Fortnightly26Fortnightly1Celebrations$0$0Utilities$15,3003Monthly12Monthly5Other$0$0Education$1,7504Quarterly4Quarterly3Total$0Health$05Annually1AnnualEating outShopping$0Transport$0Restaurants$0$0Entertainment$03Takeaway / Snacks$0$0Eating out$01Bought lunches$0$01Coffee / Tea$0$0Total outgoings:$32,3251Type in your own expense$0$03Total$0What's left:$75,675Overall Summary freq4per quarterSource: www.moneysmart.gov.au
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Source: www.moneysmart.gov.au
ResultsABudget plannerSummaryIncomeOutgoingsWhat's LeftSummaryShow results$108,00000Your budget position:IncomeYou are spending $75,675 per quarter less than you earn.Income$108,000Congratulations!0$00Total income:$108,0000$000$00Your spending breakdownOutgoings0$15,275Select0Financial comm.$00$15,3001Weekly0Financial commitmentsSpending breakdownHome$15,2750$1,7502Fortnightly0Home / UtilitiesFinancial commitments0Utilities$15,3000$03Monthly0Education / HealthHome / Utilities30575Education$1,7500$04Quarterly0Shopping / TransportEducation / Health1750Health$00$05Annually0Entertainment / Eating outShopping / Transport0Shopping$000$0Entertainment / Eating out0Transport$000$0Entertainment$0Eating out$0Next steps:1) Do a reality check. Is your bank account going up each month? If the results don't match, track your actualTotal outgoings:$32,325quarterspending in more detail. The money is going somewhere!1week2) If you have spare money each month, think how best to use it, e.g.2fortnighti) repay any loans fasterWhat's left:$75,6753monthii) put money into a special savings accountper quarter4quarter3) Print your plan.5yearSource: www.moneysmart.gov.au
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PrintPRINT FORMATUse Excel's toolbar to print this pageBudget plannerIncomeOutgoingsWhat's LeftSummarySummaryQuarterly Amount1Total income:$108,000Total outgoings:$32,325What's left:$75,675Your budget position:You are spending $75,675 per quarter less than you earn.Congratulations!0$000$30,5750Your spending breakdown0$0Select00$02Weekly00$00Your spending breakdownQuarterly AmountFinancial commitments$0Spending breakdown0$03Fortnightly0Home / Utilities$30,575Financial commitments$00$04Monthly0Education / Health$1,750Home / Utilities$30,5750$05Quarterly0Shopping / Transport$0Education / Health$1,7500$06Annually0Entertainment / Eating out$0Shopping / Transport$000$75,675Entertainment / Eating out$000$0Next steps:1) Do a reality check. Is your bank account going up each month? If the results don't match, track your actualspending in more detail. The money is going somewhere!2) If you have spare money each month, think how best to use it, e.g.i) repay any loans faster$108,000ii) put money into a special savings accountiii) increase your contributions to superannuation or other investments$32,3253) Print your plan.Your detailed budgetIncomeFrequencyAmountQuarterly AmountNotesYour take-home payMonthly$30,000$90,000Your partner's take-home payMonthlyBonuses/overtimeAnnually$36,000$9,000Income from savings and investmentsAnnually$36,000$9,000Centrelink benefitsFortnightlyFamily benefit paymentsFortnightlyChild support receivedMonthlyOtherMonthlyFinancial CommitmentsFrequencyAmountQuarterly AmountRent / MortgageWeeklyCar loan repaymentsMonthlyOther loan repaymentsMonthlyCredit card interestMonthlyVoluntary super contributionsFortnightlySavingsFortnightlyChild support paymentsMonthlyDonations / CharityMonthlyPocket moneyWeeklyType in your own expenseMonthlyHome / UtilitiesFrequencyAmountQuarterly AmountCouncil ratesAnnually$100$25Body Corporate feesMonthlyHome and contents insuranceMonthlyHome maintenance and repairsAnnually$3,000$750New furniture / AppliancesAnnually$10,000$2,500OtherMonthly$4,000$12,000ElectricityMonthly$1,000$3,000GasMonthly$1,000$3,000WaterMonthly$400$1,200InternetMonthly$500$1,500Pay TVMonthly$400$1,200Home phoneMonthly$500$1,500Mobile phone(s)Monthly$300$900Type in your own expenseMonthly$1,000$3,000Education / HealthFrequencyAmountQuarterly AmountSchool feesAnnually$5,000$1,250Uni / TAFEAnnuallyChildcare / Pre-schoolWeeklySchool uniformsAnnually$1,000$250Sport, music, dance, etcAnnually$1,000$250ExcursionsMonthlyOtherMonthlyPrivate health insuranceMonthlyLife insuranceMonthlyDoctorsAnnuallyDentistsAnnuallyMedicines / PharmacyAnnuallyEyecare / GlassesAnnuallyVetAnnuallyType in your own expenseMonthlyShopping / TransportFrequencyAmountQuarterly AmountNotesSupermarketWeeklyFruit / VegWeeklyBaby productsWeeklyClothing / ShoesMonthlyCosmetics / ToiletriesMonthlyHairdresserQuarterlyGifts and othersMonthlyOther food and groceryWeeklyCar insuranceAnnuallyCar maintenanceAnnuallyCar rego / LicenceAnnuallyPetrolFortnightlyRoad tolls / ParkingMonthlyTrains / Buses / FerriesWeeklyType in your own expenseMonthlyEntertainment / Eating outFrequencyAmountQuarterly AmountHolidaysAnnuallyBars / ClubsWeeklyOther alcoholWeeklyGym / Sporting membershipMonthlyCigarettesWeeklyMovies / MusicFortnightlyHobbiesFortnightlyNewspaper / MagazinesWeeklyCelebrationsAnnuallyOtherMonthlyRestaurantsMonthlyTakeaway / SnacksWeeklyBought lunchesWeeklyCoffee / TeaWeeklyType in your own expenseMonthlyNotes$75,675Source: www.moneysmart.gov.au
Financial commitments
Home / utilities
Education / health
Shopping / transport
Entertainment / eating out
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