The following question was asked and needs to be spot-lighted!

"How do you set up the 2009 spreadsheet and then transfer the 2008 balances over to 2009?"

To setup the 2009 home budget spreadsheet, just enter all expected income and expenses for each month in their corresponding cells; just like on the 2008 spreadsheet. Since the 2009 spreadsheet was designed to work with its 2008 counter part, there is nothing for you to do to transfer balances; it's done automatically for you.

Example: Open the 2008 spreadsheet. Then, open the 2009 spreadsheet. You will notice that the beginning bank balance for 2009 is the ending balance from 2008. Also, you will notice that the two different types of savings (if your used them) and the credit card balance have transfer over to the next year. The only balance that doesn't transfer over is the Christmas balance. The reason for this is that your Christmas balance is expected to be used in the present year.

       

It should be noted here that you don't have to wait until next year to gain the benefits of the 2009 home budget spreadsheet. While having both spreadsheets open, try adding income or expenses to the 2008 spreadsheet. The 2009 spreadsheet automatically adjusts the balances for you. The spreadsheet weren't designed to end on December 31, each year. They were designed to link together to form one continuous home budget.

Right now, there is a family (Mom & Dad with 3.2 children) sitting down to do their finances. Because of this benefit, Mom & Dad will know today, what their home budgeting picture will look like for 2009 year. I personally, have already planned a camping trip for the wife and grandchildren for June of 2009. And I know that the money will be there waiting for me. It's in my budget and a part of my plans for 2009.

1. Professional style money financial planning spreadsheets that you can understand.

2. Easy to use page layouts that gives you the flexibility to arrange your bills in the order in which you would like to see them appear.

3. Worry free what-if scenarios. Wondering about that special trip? Just place the numbers in and see how it will affect your budget.

4. Three sections that allow for saving up for Christmas, that special event, or just for the sake of saving.... All from one bank account!

5. The monthly tracking and usage of one credit card.

6. Powerful financial software for debt management

7. And peace of mind, knowing that your financial planning spreadsheets are backed by more then eight years of experience.

January plus some - We are working on adding charts to the Family Home Budget for 2009. These graphs will aid you in setting up your home budget by showing those periods in which your general fund flat line or takes a sudden dip. And much more!!!

April, 2008 - We are pleased to announce that our Family Home Budget 2009 is here at last! Be sure to check out the 10 additional expense lines in which to track expenses. Also, check out the "New" Chart tab!

July 13,2008 - We moved the saving section and added two more saving areas by which to save for that special event or item! We also increased the expense lines again by 10!

August 18, 2008 - We started working on a new category style spreadsheet for debt management. Completion date will be early 2009!

October, 2008 - Started working on New Website design.....Thanks for your understanding!!!

20 extra expense lines (Just what you been asking for!)

There is a new Chart for fine-tuning your home budgeting picture.

There is a new Chart for dealing with your unexpected expenses.