Orçamento Familiar 2024
by Vertex42.com © 2011-2020 Vertex42 LLC
Orçamento Inicial 500 More Budget Templates
Poupança 500 [42]
Sumário Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Méd
Entradas Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Saídas Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0
NET (Income - Expenses) 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Adjustment to Savings 0 0
Spending Balance 500 500 500 500 500 500 500 500 500 500 500 500
Savings Balance 500 500 500 500 500 500 500 500 500 500 500 500
NET (Income - Expenses) Spending Balance Savings Balance
600 600
500 500
400 400
300 300
200 200
100 100
0 0
Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez
INCOME Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Wages & Tips 0 0
Interest Income 0 0
Dividends 0 0
Gifts Received 0 0
Refunds/Reimbursements 0 0
Other 0 0
Transfer From Savings 0 0
Total INCOME 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SAVINGS EXPENSE Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Emergency Fund 0 0
Car Replacement Fund 0 0
Retirement Fund 0 0
Investments 0 0
Education Fund 0 0
Other 0 0
Total SAVINGS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
HOME EXPENSES Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Mortgage/Rent 0 0
Electricity 0 0
Gas/Oil 0 0
Water/Sewer/Trash 0 0
Phone 0 0
Cable/Satellite 0 0
Internet 0 0
Furnishings/Appliances 0 0
Lawn/Garden 0 0
Home Supplies 0 0
Maintenance 0 0
Improvements 0 0
Other 0 0
Total HOME EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
DAILY LIVING Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Groceries 0 0
Personal Supplies 0 0
Clothing 0 0
Cleaning Services 0 0
Dining/Eating Out 0 0
Dry Cleaning 0 0
Salon/Barber 0 0
Discretionary [Name 1] 0 0
Discretionary [Name 2] 0 0
Other 0 0
Total DAILY LIVING 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
CHILDREN Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Medical 0 0
Clothing 0 0
School Tuition 0 0
School Lunch 0 0
School Supplies 0 0
Babysitting 0 0
Toys/Games 0 0
Other 0 0
Total CHILDREN 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
TRANSPORTATION Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Vehicle Payments 0 0
Fuel 0 0
Bus/Taxi/Train Fare 0 0
Repairs 0 0
Registration/License 0 0
Other 0 0
Total TRANSPORTATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
HEALTH Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Doctor/Dentist 0 0
Medicine/Drugs 0 0
Health Club Dues 0 0
Emergency 0 0
Other 0 0
Total HEALTH 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
INSURANCE Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Auto 0 0
Health 0 0
Home/Rental 0 0
Life 0 0
Other 0 0
Total INSURANCE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
EDUCATION Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Tuition 0 0
Books 0 0
Music Lessons 0 0
Other 0 0
Total EDUCATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
CHARITY/GIFTS Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Gifts Given 0 0
Charitable Donations 0 0
Religious Donations 0 0
Other 0 0
Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
OBLIGATIONS Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Student Loans 0 0
Credit Card Debt 0 0
Other Loans 0 0
Alimony/Child Support 0 0
Federal Taxes 0 0
State/Local Taxes 0 0
Legal Fees 0 0
Other 0 0
Total OBLIGATIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
BUSINESS EXPENSE Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Deductible Expenses 0 0
Non-Deductible Expenses 0 0
Other 0 0
Other 0 0
Total BUSINESS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
ENTERTAINMENT Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Activities 0 0
Books 0 0
Games 0 0
Fun Stuff 0 0
Hobbies 0 0
Media 0 0
Outdoor Recreation 0 0
Sports 0 0
Toys/Gadgets 0 0
Vacation/Travel 0 0
Other 0 0
Total ENTERTAINMENT 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
PETS Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Food 0 0
Medical 0 0
Toys/Supplies 0 0
Other 0 0
Total PETS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
SUBSCRIPTIONS Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Newspaper 0 0
Magazines 0 0
Dues 0 0
Club Memberships 0 0
Other 0 0
Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
[42]
VACATION Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Travel 0 0
Lodging 0 0
Food 0 0
Rental Car 0 0
Entertainment 0 0
Other 0 0
Total VACATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
MISCELLANEOUS Jan Fev Mar Abr Mai Jun Jul Ago Set Out Nov Dez Total Avg
Bank Fees 0 0
Postage 0 0
Other 0 0
Other 0 0
Other 0 0
Total MISCELLANEOUS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Total Expenses - - - - - - - - - - - - - -
HELP
https://www.vertex42.com/ExcelTemplates/family-budget-planner.html © 2011-2020 Vertex42 LLC
Intro
This budget spreadsheet is designed to help you create a budget for an entire
year. Doing this can help you make predictions about your future finances.
Step 1: Define Budget Categories
Edit the existing income and expense categories by changing the labels in the
first column as needed, but do not remove the "Transfer from Savings"
category in the Income table.
If you add or remove a major category, you will need to edit the formulas in the
Summary table (particularly the Total Expenses formula).
If you need to add or insert rows/subcategories, make sure the Total and
Average formulas are copied.
IMPORTANT: When inserting new rows, do not insert a new row immediately
above the Total line. Instead, insert a new row above the last sub-category,
and copy the Total and Avg formulas down.
Step 2: Enter Your Beginning Balance
Add the balances in your spending accounts (cash, checking) to come up with
your beginning spending balance.
Add the balances in your savings accounts and enter that sum as your
beginning savings balance.
If you wish to start with a month other than January, you can edit the column
labels as needed.
Step 3: Define Your Budget
Using income and expense data from past receipts, balance statements, bills,
pay stubs, and other information that you know about the coming year, fill in
the budget amounts for each of the categories you have defined.
Fixed and Variable Expenses
For fixed expenses, such as rent or mortgage payments, enter the same
amount in each month.
For variable expenses such as utility bills, groceries, and birthday gifts, you can
enter the estimated amounts in the months that they occur. Or, you can enter
an estimated monthly average.
Transfers To/From Savings
This template treats transfers TO savings as expenses, and transfers FROM
savings as income. This makes sense if you think of an "expense" as money
leaving your spending accounts and "income" as money entering your
spending accounts.
Adjustments to Savings
Except for transfers to/from savings, this spreadsheet does not track changes
to your savings accounts such as payments made directly from savings,
interest earned, or gains/losses in investments.
If you want the Savings Balance to reflect these types of changes, then use the
Adjustments to Savings row in the Summary table.
Step 4: Analyze Your Budget
Ideally, you want your Savings Balance to be increasing over time and you
want to maintain a comfortable cushion in your Spending Balance.
If you are noticing a consistent positive NET (a good thing), then you may want
to allocate more towards savings. If you see a consistent negative NET, then
you may need to make some budget cuts.
Use the "% of Total Expenses" under each major expense category to help you
determine where your money is going.
Related Templates and Resources
► Income and Expense Worksheet
► Money Management Template
► How to Make a Budget with a Spreadsheet
► 12 Principles of Personal Finance
© 2011-2020 Vertex42 LLC
Family Budget Planner
By Vertex42.com
https://www.vertex42.com/ExcelTemplates/family-budget-planner.html
© 2011-2020 Vertex42 LLC
This spreadsheet, including all worksheets and associated content is a
copyrighted work under the United States and other copyright laws.
Do not submit copies or modifications of this template to any website or
online template gallery.
Please review the following license agreement to learn how you may or
may not use this template. Thank you.
License Agreement
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