Sheet by sheet (also included in the spread sheet itself)
Gives you an overview and also acts as a help document
Define input variables and common expenditures
Choose the year in focus for this spread sheet
o Person 1 & 2
Name of the 2 persons the sheet effects like you and your partner, if you want to use it yourself just disregard the second input and delete the salary for Person 2.
o Salary quota
Choose to activate or deactivate the salary quota that splits common expenditures between you, and your partner, see below for an example.
• Split of common expenditures between you and your partner
Let's say that Person 1 make 3000 USD a month and Person 2 make 2500 USD after tax. They have decided to split their common costs like rent, food and energy.
That means that Person 1 pays 54.5% of the common expenditures, as such: (3000)/(3000+2500)≈54.5%.
Person 2 pays the rest up to 100%, that is to say 45.5% (100%-54.5%=45.5%).
This means that both pays an equal share based on their income, if you earn more - you pay more, if you earn less - you pay less.
Input your salary that you, and your partner, receives after tax each month.
o Common fixed expenditures
Rent, interest etc. is something that you know will effect your economy each month. You can also use these categories for savings, just choose yes in the savings column then these items will enter a separate sheet called savings. You also choose who does the actual payment, this is then shown in the monthly split, the black sheets.
You can name your categories just like you want to create the structure you would like. There are some examples in there now that you can choose to use or replace with your own. The common categories are the once effected by the salary quota. The personal once do not take the salary quota into account.
Your total incomes and costs during the year split over your categories and a statistical part over where your costs are placed.
All of your accounts and pension in one place. Enter your savings accounts, investment accounts, pension accounts etc. for a full overview.
Calculates an average based on all your common costs and thereafter you can choose which categories to include to give you an idea of how much money you have left to spend after all the standard expenditures are made.
This is a good complement to the Budget sheet where you can input larger expenditures like student loan payments or similar to remember when it is good to have a buffer in your economy.
In the Start sheet you can choose to make savings categories that automatic input a certain amount every month, by choosing "Yes" in the savings sheet on row 56. Then you input the expenditures you have had from the Savings sheet. The sheet shows cash flow, which is to say what you have on the account at the end of a month.
• Person 1 & 2 economy
All costs that you would like to include in your budget are inputted here with a associated category. If you would like to add new categories do so in the Start sheet.
• Energy consumption
Input the amount of energy you use at a given moment in time and keep track of your energy consumption.
At the end of each month you and your partner have paid different items and to make a correct end of month statement you can find how much you should transfer to your partner or how much your partner should transfer to you. All cost items are easily overviewed here each month.