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[{"$nulls":5},"The Basic Correction Factor Budget Calculator"]
[{"$nulls":5},"The Basic Correction Factor Budget Calculator is a specially designed spreadsheet that is for planning and carrying out a budget.  It calculates total income, total expenses, the balance, and a number of other calculations.   "]
[{"$nulls":5},"However, what makes this budget calculator unusual is it calculates correction factors that show how precisely you planned and carried out your budget. "]
[{"$nulls":5},"To use this budget calculator, you start by planning a budget in advance, for a specific time period, such as from March 1 to March 31. "]
[{"$nulls":5},"To do this you enter estimated income (the money you expect to put into the budget,) and your estimated expenses, in the light blue columns. "]
[{"$nulls":5},"The headings on the blue columns are labeled Total Predicted Income, and Total Predicted Expenses, and the calculated results will appear in the blue boxes, on top of the columns.  "]
[{"$nulls":5},"Keep in mind that all of the above should be completed before you actually start your budget. "]
[{"$nulls":5}," In addition, before you start your budget, you must enter a start date and an end date in the two boxes with red borders. "]
[{"$nulls":5},"When you start your budget you enter your actual income, and actual expenses in the light-yellow columns.  This can be done on a daily basis, or whenever you have new expenses or income to enter into the calculator. "]
[{"$nulls":5},"     This budget calculator will calculate the actual total income, actual expenses, and balance, and it will displayed the results in the yellow boxes.  This calculator will also calculate correction factors, as you enter income and expenditures.  (The final results of the correction factors after the budget period has expired is important.)   "]
[{"$nulls":5},"    The correction factors are based on comparisons of the estimates you entered for income and expenses in the blue sections, with the actual income and actual expenses you entered in the yellow sections. "]
[{"$nulls":5},"    A correction factor of 1 means you carried out your budget exactly as you planned.  Correction factors that are greater than 1 mean you underestimated, and less than 1 means you overestimated. "]
[{"$nulls":5},"Underestimating income may not be problematic.  However, underestimating expenses or overestimating income, might result in a shortage of funds.  "]
[{"$nulls":5},"      If you are not sure that you can plan and estimate your budgets with a reasonable degree of precision, or if you have repeatedly estimated your budget poorly, you can remedy your problem, by doing one or both of the following. "]
[{"$nulls":5},"Enter the word miscellaneous expenses, in the blue section, and allocate enough money to act as a safety margin, for underestimated expenses.  Some people, will have better results, if they enter several categories of miscellaneous expenses, such as miscellaneous entertainment, miscellaneous repair bills, miscellaneous medical bills, etc."]
[{"$nulls":5},"      The Basic Correction Factor Budget Calculator has INPUT BOXES for correction factors, to deal with inadequate budget planning, or poor estimates of income and expenses.  This is especially useful for people that repeatedly underestimate or overestimate, by roughly the same amount. "]
[{"$nulls":5},"For example let us assume that this budget calculator has calculated correction factors for your past budgets of 0.75, for your income, and 1.5, for your expenses.  This means your estimates are not accurate, but if you enter these correction factors into the correction factor input boxes for your future budgets the estimates will be corrected to the degree indicated by the correction factors. "]
[{"$nulls":5},"The correction factor input boxes are light green, and they contain a default correction factor of 1.  When the correction factor is changed to a value less than or greater than 1, the estimated totals and related balance will change, in the blue boxes.  However, the calculations for the actual income and expenditures, in the yellow sections are not affected by the numbers in the correction factor input boxes.  "]
[{"$nulls":5},"In general, most people, organizations and governments have a tendency to underestimate their expenses.  There is also somewhat of a tendency to overestimate revenue.  This is a form of financial over optimism.  To correct for this over optimism enter a correction factor of at least 1.25 in the correction factor input box for expenses.  If your income is from a variable source, such as business profits, you should probably enter a correction factor of 0.9 or less, in the correction factor input box, for income.   "]
[{"$nulls":5},"        All the calculated results are displayed in red, except when there is a shortage of funds.  If you see a minus sign, followed by black text with PINK HIGHLIGHTING anywhere on this calculation device, it means you might be short of funds. "]
[]
[{"$nulls":5},"Delete the date in the light-yellow box below, and enter the start date of your budget (the first day of your budget).",null,null,"Delete the date in the light-yellow box below, and enter the end date of your budget (the last day of your budget)."]
[{"$nulls":5},"1900-01-01",null,null,"9999-12-31"]
[]
[{"$nulls":5},2918414]
[{"$nulls":5},{"v":2918415,"d":" 2918415 day(s) remaining in this budget, including today."}]
[{"$nulls":5},"The First Day of Budget      ",null,null,"The Last Day of the Budget "]
[{"$nulls":5},"1900-01-01",null,null,"9999-12-31"]
[{"$nulls":5},2958465]
[{"$nulls":5},"2009-08-26"]
[{"$nulls":5},{"v":0,"d":"You can spend $0.00 per day without going off your budget."}]
[{"$nulls":5},"Correction factor INPUT BOX for total income","Note: This software can only calculate correction factors if you enter your estimates or planned income and expenses in the blue columns. Before data is entered in the blue columns you will see the words:Missing-Data.  In the yellow columns you enter the actual income you receive, and the actual money you spent.",null,null,"Correction factor INPUT BOX for total expenses"]
[]
[{"$nulls":5},1,{"$nulls":3},1]
[{"$nulls":5},"Note: The word income means any money that is put into the budget.","Correction Factor for Income",null,"The Predicted Balance","Correction Factor for Expenses"]
[{"$nulls":6},"Missing-Data",null,0,"Missing-Data"]
[{"$nulls":5},"In this column enter a descriptive word or phrase for each source of income that you expect to receive during the budget period. ","Total Predicted Income","Total Actual Income","The Actual Balance","Total Predicted Expenses","Total Actual Expenses"]
[{"$nulls":6},{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"}]
[{"$nulls":6},"In this column enter the dollar amount of each predicted source of income.","In this column enter the dollar amount of each actual source of income.","In this column enter a descriptive word or phrase for each expense that will be paid during the budget period. ","In this column enter the dollar amount of each predicted expense","In this column enter the dollar amount of each actual expense."]