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Overview

The MPB Yearly Budget is designed to help you plan your finances for an entire year. If you are making a major life change, such as buying a new house or sending a child to college, you need to plan your finances well in advance.

Getting Started

Preparation:

Before entering data, it's recommended that you do a little preparation work first. You might want to have some or all of the following documents on hand:

  • Pay Stubs 
  • Bank Statements
  • Tax Returns (for more complicated income sources)
  • Credit Card Statements
  • Mortgage and Loan Statements or Coupons
  • Utility Bills
  • Phone Bills

If you have specific goals that you are saving for, write them down along with how much you will need to save for them and what time frame you want to give yourself. If you want to take a cruise in 10 months and you think it will cost you $1000, you will need to budget $100 a month.

Customize the Spreadsheet:

MPB yearly Budget is set up in Excel so it is relatively easy to customize. Depending on when you download it, you might want to start by changing the order of the months in each category and in the Snapshot View. The default is from January to December. But if you you download it in June, then reorder the months from June to May. Hint: Do this in one category (income is at the top of the page) and then copy and paste into the others. 

You can also customize the categories and sub-categories to suit you.

To add or delete a Budget Sub-category...

  1. Bring up the row and column headers. Go to the Excel Tools menu and choose Options... then click on the the View tab and click the checkbox for Row and Column Headers. Click "OK."
  2. When adding a sub-category, always insert rows Above the Last row in a category and Below the First row. This insures that the formulas for calculating totals and averages are accurate. To insert a row  for a new sub-category, highlight a row by right clicking your mouse on the row number and clicking insert.
  3. To delete a sub-category, right click it's row number and hit "delete."
   To add an entire New Budget Expense Category...

The easiest way is to copy and paste an existing category somewhere Above the last category (Other Obligations.) Doing it this way copies the formulas for the totals and averages as well.

  1. Insert enough rows for the new category. Bring up the row and column headers. Go to the Excel Tools menu and choose Options... then click on the the View tab and click the checkbox for Row and Column Headers. Click "OK."  Right click on the row number where the new category will be and click "Insert." Continue inserting rows until you have enough to paste the new category in.
  2. Place the moused pointer on the first "month" (Jan unless you changed it) cell above the category name and left click. Drag the mouse pointer down to the "Total" row. The entire category section should be highlighted. Right click the mouse inside the category and click "Copy."
  3. Right click on the left most cell in the top row where you are placing the new category. Click "Paste"
  4. Rename your category and sub-categories.

Entering your data:

To get started on your budget, enter your beginning balance in the yellow cell at the top left corner of the main page. This will carry over to the Snapshot View.

Worksheet Navigation: The "Enter" key will take you to the next cell in the column (the cell below the one you are currently in.) The "Tab" key will take you to the next cell in the row (the cell to the right of the one you are currently in.)

When entering amounts that are the same month to month, just enter it once and then copy it across the rest of the row. this will save you time when using your budget on a day to day basis.
 
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