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{"sheet":"Instructions","index":0,"n_rows":32,"n_cols":2,"rows_kept":32,"cut":false,"hidden":false,"merged":[[31,1,31,10],[30,1,30,10],[23,1,23,10],[24,1,25,10],[27,1,27,10],[28,1,29,10],[11,1,11,10],[13,1,13,10],[15,1,15,10],[16,1,17,10],[19,1,19,10],[20,1,21,10],[1,1,1,10],[3,1,3,10],[5,1,5,10],[7,1,7,10],[9,1,9,10]]}
[]
[null,"Home Budget Instructions"]
[]
[null,"1 - Enter your name and your partner's name"]
[]
[null,"2 - Enter the date"]
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[null,"3 - Enter all the relevant income and select the frequency of the income"]
[]
[null,"4 - Enter any other income and select its frequency"]
[]
[null,"5 - Enter all relevant expenses and select its frequency"]
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[null,"6 - Where appropriate, you can adjust the expenses type accordingly"]
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[null,"Fixed Expenses"]
[null,"These expenses only have minor variations and you have to pay them regardless of what happens in life."]
[]
[]
[null,"Variable Expenses"]
[null,"These expenses varies from month to month. The expenses don't usually change - other than going up."]
[]
[]
[null,"Discretionary Expenses"]
[null,"These expenses are discretionary and will be the first one to go if you need to tighten the purse strings"]
[]
[]
[null,"Savings and Investments"]
[null,"These are any regular savings and investments that you have in place."]
[]
[null,"Disclaimer notice"]
[null,"Please note that all of the information provided in this budget management is general in nature and does not take into account your personal situation. We do not guarantee the accuracy or relevance of information contained in the program and strongly recommend you seek professional financial advice before making any decisions."]

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[]
[]
["Sheridans Home Budget"]
[]
["Your Name:"]
["Your Partner's Name:"]
["Date:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Part 1","Part 2"]
[null,null,null,null,"Use the dropdown boxes in these cells",null,"Use the dropdown box in the \"Blue\" cell below, to change the totals for any frequency you wish",null,null,null,null,null,null,null,null,null,"Weekly",52,"Per week"]
["Income","Description",null,"Amount","Frequency",null,"Monthly",null,{"$f":"VLOOKUP(G9,Q8:S12,3,FALSE)","v":"Per month"},null,null,null,null,null,null,null,"Fortnightly",26,"Per fortnight"]
["Your take home pay",null,null,0,"Fortnightly",{"$f":"IFERROR(VLOOKUP(E10,$Q$8:$R$12,2,FALSE),0)","v":26},{"$f":"+(D10*F10)/VLOOKUP($G$9,$Q$8:$R$12,2,FALSE)","v":0},null,null,null,null,null,null,null,null,null,"Monthly",12,"Per month"]
["Your partner's take home pay",null,null,0,"Fortnightly",{"$f":"IFERROR(VLOOKUP(E11,$Q$8:$R$12,2,FALSE),0)","v":26},{"$f":"+(D11*F11)/VLOOKUP($G$9,$Q$8:$R$12,2,FALSE)","v":0},null,null,null,null,null,null,null,null,null,"Quarterly",4,"Per quarter"]
["Bonuses/Overtime",null,null,0,"Annually",1,0,null,null,null,null,null,null,null,null,null,"Annually",1,"Per annum"]
["Savings and investments Income",null,null,0,"Monthly",12,0]
["Centrelink benefits","Pension/Allowances",null,0,"Fortnightly",26,0]
["Family benefit payments",null,null,0,"Fortnightly",26,0]
["Child support received",null,null,0,"Monthly",12,0]
["Rental Income",null,null,0,"Weekly",52,0]
["Other",null,null,0,"Monthly",12,0]
["Total Net Income",null,null,null,null,null,{"$f":"SUM(G10:G18)","v":0}]
[]
["Fixed Expenses","Description",null,"Amount","Frequency",null,{"$f":"+G9","v":"Monthly"}]
["Car","Insurance",null,0,"Annually",{"$f":"IFERROR(VLOOKUP(E22,$Q$8:$R$12,2,FALSE),0)","v":1},{"$f":"+(D22*F22)/VLOOKUP($G$9,$Q$8:$R$12,2,FALSE)","v":0},null,"Transport"]
["Car","RAA Membership",null,0,"Annually",1,0,null,"Transport"]
["Car","Drivers Licence",null,0,"Annually",1,0,null,"Transport"]
["Car","Loan 1",null,0,"Monthly",12,0,null,"Transport"]
["Car ","Loan 2",null,0,"Monthly",12,0,null,"Transport"]
["Car ","Registration",null,0,"Quarterly",4,0,null,"Transport"]
["Children","School Fees",null,0,"Quarterly",4,0,null,"Education"]
["Children","Child Care",null,0,"Fortnightly",26,0,null,"Childcare"]
["Children","Child Support",null,0,"Monthly",12,0,null,"Other"]
["Financial","Income Protection Insurance",null,0,"Monthly",12,0,null,"Insurance"]
["Financial","Life Insurance",null,0,"Monthly",12,0,null,"Insurance"]
["Financial","TPD Insurance",null,0,"Monthly",12,0,null,"Insurance"]
["Health","Insurance",null,0,"Monthly",12,0,null,"Insurance"]
["Health","Ambulance Membership",null,0,"Monthly",12,0,null,"Insurance"]
["Home ","Contents Insurance",null,0,"Monthly",12,0,null,"Insurance"]
["Home ","Building Insurance",null,0,"Monthly",12,0,null,"Insurance"]
["Home Utilities","Gas",null,0,"Quarterly",4,0,null,"Utilities & Rates - Owner Occupied Property"]
["Home Utilities","Water",null,0,"Quarterly",4,0,null,"Utilities & Rates - Owner Occupied Property"]
["Home Utilities","Electricity",null,0,"Quarterly",4,0,null,"Utilities & Rates - Owner Occupied Property"]
["IT & Communication","Mobile",null,0,"Monthly",12,0,null,"Telephone, Internet, Pay TV & Streaming Services"]
["IT & Communication","Internet",null,0,"Monthly",12,0,null,"Telephone, Internet, Pay TV & Streaming Services"]
["Personal Loan","Loan 1",null,0,"Monthly",12,0,null,"Not relevant"]
["Personal Loan","Loan 2",null,0,"Monthly",12,0,null,"Not relevant"]
["Property ","Home Mortgage",null,0,"Monthly",12,0,null,"Not relevant"]
["Property ","Investment Mortgage",null,0,"Monthly",12,0,null,"Not relevant"]
["Property ","Land Tax",null,0,"Annually",1,0,null,"Utilities & Rates - Investment Property"]
["Property ","Body Corporate Fees",null,0,"Monthly",12,0,null,"Utilities & Rates - Owner Occupied Property"]
["Property ","Council Rates",null,0,"Quarterly",4,0,null,"Utilities & Rates - Owner Occupied Property"]
["Rental Property - Utilities","Gas",null,0,"Quarterly",{"$f":"IFERROR(VLOOKUP(E50,$Q$8:$R$12,2,FALSE),0)","v":4},{"$f":"+(D50*F50)/VLOOKUP($G$9,$Q$8:$R$12,2,FALSE)","v":0},null,"Utilities & Rates - Investment Property"]
["Rental Property - Utilities","Water",null,0,"Quarterly",4,0,null,"Utilities & Rates - Investment Property"]
["Rental Property - Utilities","Electricity",null,0,"Quarterly",4,0,null,"Utilities & Rates - Investment Property"]
["Rent ","Real Estate",null,0,"Weekly",52,0,null,"Rent"]
["X - Other",null,null,null,null,0,0,null,"Other"]
["X - Other",null,null,null,null,0,0,null,"Other"]
["X - Other",null,null,null,null,0,0,null,"Other"]
["X - Other",null,null,null,null,0,0,null,"Other"]
["Total Fixed Expenses",null,null,null,null,null,{"$f":"SUM(G22:G57)","v":0}]
[]
["Variable Expenses","Description",null,"Amount","Frequency",null,{"$f":"+G21","v":"Monthly"}]
["Car #1","Petrol",null,0,"Weekly",{"$f":"IFERROR(VLOOKUP(E61,$Q$8:$R$12,2,FALSE),0)","v":52},{"$f":"+(D61*F61)/VLOOKUP($G$9,$Q$8:$R$12,2,FALSE)","v":0},null,"Transport"]
["Car #1","Repairs/Maintenance",null,0,"Annually",1,0,null,"Transport"]
["Car #2","Petrol",null,0,"Weekly",52,0,null,"Transport"]
["Car #2","Repairs/Maintenance",null,0,"Annually",1,0,null,"Transport"]
["Children","Baby Products",null,0,"Monthly",12,0,null,"Clothing & Personal Care"]
["Children","Baby Sitting",null,0,"Monthly",12,0,null,"Other"]
["Children","Other School Needs",null,0,"Monthly",12,0,null,"Education"]
["Children","Toys",null,0,"Monthly",12,0,null,"Other"]
["Clothing","Purchases",null,0,"Monthly",12,0,null,"Clothing & Personal Care"]
["Clothing","Dry Cleaning",null,0,"Monthly",12,0,null,"Clothing & Personal Care"]
["Clothing","Shoes and Accessories",null,0,"Monthly",12,0,null,"Clothing & Personal Care"]
["Education","Seminars/Short courses",null,0,"Annually",1,0,null,"Education"]
["Food/Supermarket","Butcher Shop",null,0,"Weekly",52,0,null,"Groceries"]
["Food/Supermarket","Cosmetic & Toiletries",null,0,"Weekly",52,0,null,"Clothing & Personal Care"]
["Food/Supermarket","Fruit Shop",null,0,"Weekly",52,0,null,"Groceries"]
["Food/Supermarket","Groceries",null,0,"Weekly",52,0,null,"Groceries"]
["Medical","Dental",null,0,"Annually",1,0,null,"Medical & Health (Excluding Health Insurance)"]
["Medical","Doctors",null,0,"Annually",1,0,null,"Medical & Health (Excluding Health Insurance)"]
["Medical","Medication",null,0,"Monthly",12,0,null,"Medical & Health (Excluding Health Insurance)"]
["Personal Care","Hairdresser ",null,0,"Quarterly",4,0,null,"Clothing & Personal Care"]
["Personal Care","Massage/Chiro/Physio",null,0,"Quarterly",4,0,null,"Clothing & Personal Care"]
["Personal Care","Gym and Sports",null,0,"Quarterly",4,0,null,"Clothing & Personal Care"]
["Phone","Home",null,0,"Monthly",12,0,null,"Telephone, Internet, Pay TV & Streaming Services"]
["Phone","Mobile 1",null,0,"Monthly",12,0,null,"Telephone, Internet, Pay TV & Streaming Services"]
["Phone","Mobile 2",null,0,"Monthly",12,0,null,"Telephone, Internet, Pay TV & Streaming Services"]
["X - Other",null,null,0,"Monthly",12,0,null,"Other"]
["X - Other",null,null,0,"Monthly",12,0,null,"Other"]
["Total Variable Expenses",null,null,null,null,null,{"$f":"SUM(G61:G87)","v":0}]
[]
["Discretionary Expenses","Description",null,"Amount","Frequency",null,{"$f":"+G60","v":"Monthly"}]
["Books/Newsagency/Magazines",null,null,0,"Monthly",{"$f":"IFERROR(VLOOKUP(E91,$Q$8:$R$12,2,FALSE),0)","v":12},{"$f":"+(D91*F91)/VLOOKUP($G$9,$Q$8:$R$12,2,FALSE)","v":0},null,"Recreation & Entertainment"]
["Entertainment","Dining",null,0,"Weekly",52,0,null,"Recreation & Entertainment"]
["Entertainment","Coffee & Tea",null,0,"Weekly",52,0,null,"Recreation & Entertainment"]
["Entertainment","Take away & Lunches",null,0,"Weekly",52,0,null,"Recreation & Entertainment"]
["Entertainment","Wine/Beer/Spirits",null,0,"Weekly",52,0,null,"Recreation & Entertainment"]
["Entertainment","Videos/Movies",null,0,"Monthly",12,0,null,"Recreation & Entertainment"]
["Entertainment","Pay TV",null,0,"Monthly",12,0,null,"Recreation & Entertainment"]
["Entertainment","Hobbies",null,0,"Monthly",12,0,null,"Recreation & Entertainment"]
["Entertainment","Other",null,0,"Annually",1,0,null,"Recreation & Entertainment"]
["Gifts","Christmas",null,0,"Annually",1,0,null,"Other"]
["Gifts","Charity donations",null,0,"Monthly",12,0,null,"Other"]
["Gifts","Birthdays",null,0,"Annually",1,0,null,"Other"]
["Gifts","Other",null,0,"Annually",1,0,null,"Other"]
["Holidays","Annual Holidays",null,0,"Annually",1,0,null,"Other"]
["Holidays","Special Holidays",null,0,"Annually",1,0,null,"Other"]
["Property","Furniture & Appliances",null,0,"Annually",1,0,null,"Other"]
["Property","Other",null,0,"Annually",1,0,null,"Other"]
["X - Other",null,null,0,null,0,0,null,"Other"]
["X - Other",null,null,0,null,0,0,null,"Other"]
["Total Discretionary Expenses",null,null,null,null,null,{"$f":"SUM(G91:G109)","v":0}]
[]
["Savings and Investments","Description",null,"Amount","Frequency",null,{"$f":"+G90","v":"Monthly"}]
["Savings","Personal savings",null,0,"Monthly",{"$f":"IFERROR(VLOOKUP(E113,$Q$8:$R$12,2,FALSE),0)","v":12},{"$f":"+(D113*F113)/VLOOKUP($G$9,$Q$8:$R$12,2,FALSE)","v":0}]
["Super","Personal Contributions",null,0,"Monthly",12,0]
["Super","Salary Sacrifice",null,0,"Monthly",12,0]
["X - Other",null,null,null,null,0,0]
["X - Other",null,null,null,null,0,0]
["Total Savings and Investments",null,null,null,null,null,{"$f":"SUM(G113:G117)","v":0}]
[]
["Total Expenditure",null,null,null,null,null,{"$f":"+G58+G88+G110+G118","v":0}]
[]
["Budget Analysis",null,"Expenses % of Net Income"]
[null,"$","Actual","Target","Variance","Variance"]
["Total Income",{"$f":"+G19","v":0},0,0,0,0]
["Total Fixed Expenses",{"$f":"+G58","v":0},{"$f":"IFERROR(B125/$B$124,0)","v":0},0.4,{"$f":"+C125-D125","v":-0.4},{"$f":"+C125-D125","v":-0.4}]
["Total Variable Expenses",{"$f":"+G88","v":0},{"$f":"IFERROR(B126/$B$124,0)","v":0},0.3,{"$f":"+C126-D126","v":-0.3},{"$f":"+C126-D126","v":-0.3}]
["Total Discretionary Expenses",{"$f":"+G110","v":0},{"$f":"IFERROR(B127/$B$124,0)","v":0},0.2,-0.2,-0.2]
["Total Savings and Investments",{"$f":"+G118","v":0},0,0.1,-0.1,-0.1]
["Surplus/(Deficit)",{"$f":"+B124-B125-B126-B127-B128","v":0},0,0,0,0]
[]
[]
[]
[]
[]
[]
[]
[]
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[]
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["Sheridans \"Handy Rule of Thumb\" for fixed expenses:"]
["Over 50% of your net income… \nIt may be time to review these expenses. \nAt Sheridans, we know from experience that if your Fixed Expenses exceed 50% of your net income, it will be difficult for you to pay off your home loan or debts. We are happy to  provide simple effective ways to manage these costs more effectively."]
[]
["Below 50% of your net income … are you below 50% but above 40%?\nYou are definitely on the right track. However, unexpected expenses (referred to as \"Bill Shock\"!) can easily tip this figure the wrong way. Take a closer look at those costs to see if small changes can be made to save some extra dollars....it will be worth your time and effort. If you are concerned and would like some help, please ask a professional at Sheridans."]
[]
["Below 40% of your net income… \nIf your Fixed Expenses are below 40%....this is fantastic!  \nYou should be able to find surplus money to save for something special and have money to invest for a healthy financial future.\nAt Sheridans, we have professional advisers specialising in various fields of financial advice. Our guarantee is to provide trusted advice and services to help you build a secure financial future. "]
[]
["Disclaimer notice"]
["Please note that all of the information provided in this budget management is general in nature and does not take into account your personal situation. We do not guarantee the accuracy or relevance of information contained in the program and strongly recommend you seek professional financial advice before making any decisions."]

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[null,"Budget Management Strategy"]
[]
[null,"Based on the information extracted from the home budget, you can established the following budget management strategy to help you manage the flow of your cash."]
[]
[]
[null,null,"Joint Salary & Wages Income",null,null,null,null,"Other Income"]
[null,null,"(after tax)"]
[]
[null,null,{"$f":"+'Home Budget'!G10+'Home Budget'!G11","v":0},null,{"$f":"+'Home Budget'!I9","v":"Per month"},null,null,{"$f":"+'Home Budget'!G12+'Home Budget'!G13+'Home Budget'!G14+'Home Budget'!G15+'Home Budget'!G16+'Home Budget'!G17+'Home Budget'!G18","v":0},null,{"$f":"+'Home Budget'!I9","v":"Per month"}]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Account 4"]
[null,null,null,null,"Loan offsett or Working Account",null,null,null,null,null,null,null,null,"Savings Account"]
[null,null,null,null,null,null,{"$f":"+'Home Budget'!B129","v":0},null,null,null,null,null,null,"(Ideally with different bank)"]
[null,null,null,null,"(Surplus income will accumulate here)",null,null,null,null,null,null,null,null,{"$f":"+'Home Budget'!G118","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+E9","v":"Per month"}]
[]
[]
[]
[]
[null,"Account 1",null,null,null,"Account 2",null,null,null,null,"Account 3"]
[null,"Fixed Expenses",null,null,null,"Variable expenses",null,null,null,null,"Discretionary Spending"]
[]
[null,{"$f":"+'Home Budget'!G58-'Budget Strategy'!D31-'Budget Strategy'!H31","v":0},null,null,null,{"$f":"+'Home Budget'!G88","v":0},null,null,null,null,{"$f":"+'Home Budget'!G110","v":0}]
[null,{"$f":"+E9","v":"Per month"},null,null,null,{"$f":"+E9","v":"Per month"},null,null,null,null,{"$f":"+E9","v":"Per month"}]
[]
[]
[null,null,null,"Home Loan",null,null,null,"Investment Loan"]
[]
[null,null,null,{"$f":"+'Home Budget'!G45","v":0},null,null,null,{"$f":"+'Home Budget'!G46","v":0}]
[null,null,null,{"$f":"+E9","v":"Per month"},null,null,null,{"$f":"+E9","v":"Per month"}]
[]
["Disclaimer notice"]
["Please note that all of the information provided in this budget management is general in nature and does not take into account your personal situation. We do not guarantee the accuracy or relevance of information contained in the program and strongly recommend you seek professional financial advice before making any decisions."]

{"sheet":"Living Expenses Summary","index":3,"n_rows":18,"n_cols":2,"rows_kept":18,"cut":false,"hidden":true,"merged":[]}
["Monthly Living Expenses"]
[]
[]
["Utilities & Rates - Owner Occupied Property",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A4,'Home Budget'!G:G)","v":0}]
["Utilities & Rates - Investment Property",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A5,'Home Budget'!G:G)","v":0}]
["Telephone, Internet, Pay TV & Streaming Services",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A6,'Home Budget'!G:G)","v":0}]
["Groceries",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A7,'Home Budget'!G:G)","v":0}]
["Recreation & Entertainment",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A8,'Home Budget'!G:G)","v":0}]
["Clothing & Personal Care",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A9,'Home Budget'!G:G)","v":0}]
["Medical & Health (Excluding Health Insurance)",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A10,'Home Budget'!G:G)","v":0}]
["Transport",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A11,'Home Budget'!G:G)","v":0}]
["Education",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A12,'Home Budget'!G:G)","v":0}]
["Childcare",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A13,'Home Budget'!G:G)","v":0}]
["Insurance",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A14,'Home Budget'!G:G)","v":0}]
["Other",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A15,'Home Budget'!G:G)","v":0}]
["Rent",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A16,'Home Budget'!G:G)","v":0}]
["Not Relevant",{"$f":"SUMIF('Home Budget'!I:I,'Living Expenses Summary'!A17,'Home Budget'!G:G)","v":0}]
["Total",{"$f":"SUM(B4:B17)","v":0}]