Monthly Budget Template - Part 3
Table of Contents
1. Overview
Today's post is on the monthly budget template I've created so far using just org and not haskell. This template is for my family and I, and I recognize that everyone is going to be different, feel free to hack away at this and use for yourself, the org file is available at https://rbrins.github.io/budget-template.org. And if you share just maintain the sharing licenses :)
- You may need to add rows, do this with
M-Shift-DOWN, to add a row above the current row. - Then modify the
#+TBLFM:line to include the new line or update the range of a vsum. Once you do this a fewC-c's on the line should update everything.
2. Summary
2.1. Goals
- Write your goals for this month (or period of time) with specific goals in mind
- Do something for yourself, even if it is a cheap as a chocolate bar, or making sure your gym membership is paid
2.2. Financial Summary
This should display the budgeting amount, actual amount, totals, and difference for a quick glance of status. Additionally, through magic or programming, I'd love for the ammounts to be automatically calculated by the categories below.
| Name | Budgeted Amount | Actual Amount | Difference |
|---|---|---|---|
| Essential Items | 0 | ||
| Non-Essential Items | 0 | ||
| Irregular Expenses | 0 | ||
| Debt Payments | 0 | ||
| Savings | 0 | ||
| Income | 0 | ||
| Totals | 0 | 0 | 0 |
' #+TBLFM: $4=($2)-($3)::@9$2=vsum(@2$2..@7$2)::@9$3=vsum(@2$3..@7$3)
3. Essential Items
List all of your fixed bills, utilties, and anything you need to live or maintain living (like driving to work, car fuel, and car insurance). This would be a good portion of the Step 0 at r/personalfinance.
| Expense | Budgeted Amount | Actual Amount | Difference |
|---|---|---|---|
| Rent | 0 | ||
| Groceries | 0 | ||
| Electricity | 0 | ||
| Water | 0 | ||
| Toiletries | 0 | ||
| Internet | 0 | ||
| Mobile Phone | 0 | ||
| Car Insurance | 0 | ||
| Car Fuel | 0 | ||
| Health Insurance | 0 | ||
| Totals | 0 | 0 | 0 |
' #+TBLFM: $4=($2)-($3)::@12$2=vsum(@2$2..@11$2)::@12$3=vsum(@2$3..@11$3)
4. Non-Essential Items
| Expense | Budgeted Amount | Actual Amount | Difference |
|---|---|---|---|
| TV Subscriptions | 0 | ||
| Apple Subscriptions | 0 | ||
| Forge VTT | 0 | ||
| Patreons | 0 | ||
| FOSS | 0 | ||
| Fun Spending Money | 0 | ||
| Dinning Out | 0 | ||
| Date Nights | 0 | ||
| Totals | 0 | 0 | 0 |
' #+TBLFM: $4=($2)-($3)::@10$2=vsum(@2$2..@9$2)::@10$3=vsum(@2$3..@9$3)
5. Irregular Expenses
| Expense | Due Date/Frequence | Budgeted Amount | Actual Amount | Difference | Balance |
|---|---|---|---|---|---|
| Gifts (Birthday, Christmas, etc) | 0 | ||||
| Clothing | 0 | ||||
| Makeup | 0 | ||||
| 0 | |||||
| Totals | 0 | 0 | 0 |
' #+TBLFM: $5=($3)-($4)::@6$3=vsum(@2$3..@5$3)::@6$4=vsum(@2$4..@5$4)
6. Debt Payments
Pay the minimums until a few steps further in the personalfinance flow chart.
| Debt Item | Due Date | Minimum | Balance | Actual Paid |
|---|---|---|---|---|
| Car Payment | ||||
| Jeep Payment | ||||
| Credit Card #1 | ||||
| Credit Card #2 | ||||
| Family Member | ||||
| Totals | 0 | 0 | ||
' #+TBLFM: @7$3=vsum(@2$3..@6$3)::@7$5=vsum(@2$5..@6$5)
A nice to have later, would be to be to calculate new balance and minimum payment.
7. Savings
Per step 0, building a small emergency fund of $1000 or one months worth of expenes is the first step in the personal finance flow chart.
| Savings Item | Budgeted | Actual | Difference | Balance |
|---|---|---|---|---|
| Small eFund (1 Month) |