Contact us at: Sales@Bottomlinebudget.com or Support@Bottomlinebudget.com
June of 1998 will mark the birth of Bottom Line Budgets; well at least the birth of the spreadsheets. At that time, the Family Home Budget was only in black and white and 2 dimensional. The only interesting aspect to the spreadsheet (other than its ledger book approach) was its handling of the general fund. There were two underling driving forces at work in its creation. One was to be able to see at a glance, all income and expenses for the month. The second was to know at a glance just how low the general fund would go in the entire year. There was no need to generate a report to tell me what I already knew; I only earned so much money and that everyone wanted it!! Also, built into the spreadsheet was the ability to separate & save different types of money for the purpose of future events. Events like Christmas, vacations, or just for the sake of saving.
Then, as time went on, the 13 tabs at the bottom of the spreadsheet was increased to 16 tabs. These included the expenses, lay-a-way, and spending lists for Christmas. The goal was to help in organizing an already busy time of year.
Finally, in 2004, an 17th tab was added to the Family Home Budget. This tab was designed to allow the user to manage one credit card. They could record all transactions and billing through out the year. It also showed projected payment and total interest paid for the year.
In 2005, we added a new member to Bottom Line Budgets; the Basic Home Budget. Some of our customers either did not ascribe to Christmas, or used an external account for the purpose of saving up for Christmas. For those readers who have never used the Family Home Budget; all savings including Christmas comes from one account. The general fund I talk about earlier reflects that part of your total financial picture that isn't set-a-side for any future event. Yet the Basic Home Budget does give the user the ability to save money. We built into the spreadsheet three sections that allow for savings.
We are very proud of our spreadsheets and stand behind them. I have been using them from their conception in 1998 to present. My children even use them! The way that I figure it is that either you will control your financial picture or it will control you!
Michael Reichwein
Just some of the many adwards we received for our spread sheets
Sitting at the table, did you ever hit the "add" button when you meant to hit the "subtract" button on the calculator? Has your display ever shown $543.32456? Does the phone ring in the middle of entering a list of numbers into your calculator?
We would like to offer you a user friendly Excel spreadsheet, that can aid in the balancing of your checkbook. No experience needed! Checkbook Help comes with a "help me" tab for those who have never balanced a checkbook before. Even does all the calculations for you and more...
This Year's Home Budget
Next Year's Home Budget
Our Home Budgets come with links!
So you can build your dreams well into the furture!
Links (Moving Information without lifting a finger!)
Family Home Budget (Excel spreadsheet) $19.95 (2008)
Basic Home Budget (Excel spreadsheet) $15.95 (2008)
Just a Note:
The Family Home Budget and Basic Home Budget are NOT category style budgets
- Organize and set back money for events
- Setup income and expenses limits
- Setup saving
- Setup Christmas funds (Family Home Budget ONLY!)
- Setup & control one credit card (Family Home Budget ONLY!)
- Setup for vacations, trips or that favorite getaway!
- Set short and long term goals
- Start reaching for your dreams in life
- Much, much more....
- Helps to control spending
- Aids in paying bills on time
- Tracks saving progress
- Tracks the lowest that your bank account will go in the entire year
- Helps to keep you on track for Christmas or any other event!
- Much, much more....
- Adjust income and expenses on the fly
- Move bills to meet real world problems
- Record all of your credit card transactions throughout the year
- Track income, checks and payments ( E-Pay, internet ####, cash, etc.)
- Also much, much more......
- A working computer
- A working copy of Microsoft Excel installed on your computer. Keep in mind that these are excel spreadsheets and that they will not run by themselves.
- A hard drive to store the spreadsheets on.
- And a brain! Spreadsheets are tools to an end. They will not pay your bills for you, nor will they think for you.
System Requirements:
The birth of our home budget spread sheets
You don't have to worry about how spending today will affect your finances days, weeks, or months from now. Included in all our budget spread sheets, you will find at the bottom of each month the following:
Highlight of the Month
At the bottom of each month the spread sheet will let you know just how low in the entire year your finances will go.
Checkbook Help (Excel spreadsheet) $9.95
Bottom Line Budget
Spreadsheets
Home budgeting made easy!
Product
Start building your dreams today with Excel Spreadsheets.
William A. Ward: Money Quotes
Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.
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