![]() This spreadsheet will allow you to see the long term effects if you miss a payment on a loan, or any debt that you may have. For any queries on the budget template please email us at: Missing a Payment However, please do not delete/add any rows or columns in the template. If you would like to add or change the wording of a budget item to customise it to your needs, you may do so. The 12 Months budget template is broken down in various categories, if they do not apply to you, just place a 0 inside the block or leave it blank. Therefore, it is important that you keep record of your income and expenses. Please note that this looks at your expenses and income recorded in the previous 12 months. The results will be shown in the actual vs. Excel will automatically do a comparison between your actual and expected/projected expenses. ![]() In the 12 Months Budget sheet, first choose the current month (previous months will also be shown) and then fill in your income and expenses for all the months. T​his excel spreadsheet is broken up into 2 sheets 1) 12 Months Budget, and 2) Actual vs. You can download these templates onto your personal computer and keep record of all your future budgeting requirements. The Budget templates here will help you establish what your income less expenses are and whether you are left in a surplus or a deficit at the end of the month. ![]() ![]() At some time or later, when you earn or receive income you will need to plan how to use your income wisely. ![]()
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