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[null,"Prediction Budget Calculator",{"$nulls":4},"Note: This calculator has not been completed yet, but it functions. It has not been thoroughly tested yet, and there are a few finishing touches that will be added soon.  "]
[null,"This spreadsheet calculates a predicted and actual budget.  The predicted budget is a budget that is planned in advance, before any money is spent.  The actual budget shows how much income you actually received and how you actually spent your money."]
[null,"  When the budgets expire, you can compare both budgets (predicted and actual) to evaluate your financial situation and your ability to stick to a budget.  If the actual and predicted budgets are approximately the same, it means you did well.  If there is money left over, it means you did even better.  "]
[null,"However, if your planned budget was balanced, with adequate funds, but your actual budget ran short of funds, then you have some improvements to work on."]
[null,"The Prediction Budget Calculator is a large spreadsheet, and to see and access all of it you have to scroll Lift-Right and Down-Up.  "]
[null,"The red numbers are calculated results.  Results with black numbers highlighted in pink indicate a shortage of funds.  Some of the boxes display #DIV/0! before numbers are entered. "]
[null,"In the text on the calculator, and in the instructions, the term income is used to mean any money that is put into the budget."]
[null,"For detailed instructions on how to use the Prediction Budget Calculator, scroll all the way down, beneath the Calculator, until you see a white background with the word instructions.",{"$nulls":20},"The graph below compares your predicted expense of each item, with the actual expense.  (The actual expense is the amount of money you paid, or will have to pay.)  The blue bars will represent your predicted expense, and the yellow bars will represent your actual expense, after you enter data.  (There are no bars when there is no data.)             "]
[null,"The numbers in this box indicate how accurate your prediction was for your total income.",null,null,"The number below represents your predicted balance, based on predicted income and expenses. If you see a minus sign and pink highlighting it means you will be short of funds by the indicated amount."]
[null," If you see a minus sign ( - ) next to the numbers, and the boxes pink, it means you overestimated your income for this time period, and you might be short of money."]
[null,"If you do not see a minus sign  (-), and the boxes green, it means you under estimated your income, or Over estimated your expenses, and you might have some extra money.                                                        ",null,null,{"v":0,"d":"$0.00"},null,null,"This box calculates the percent of your income that is consumed by expenses.  If the number is over",null,"This box calculates the percent of your predicted income that will be consumed by expenses.                  If the number"]
[null,"Note the calculation in the box on the right is based on a percentage, and the box on the left is the actual income subtracted from the predicted income. ",null,null,"The number below represents your actual balance, based on the actual income you entered minus the actual expenses you entered. If you see a minus sign and the box is pink it means you are short of funds by the indicated amount.",null,"This box displays the total of all the actual expenses."]
[null,{"$error":"#DIV/0!"},{"v":0,"d":"$0.00"},{"$nulls":4}," 100% or highlighted in pink expenses exceeds income.","This box displays the total of all the predicted expenses."," is over 100% or highlighted in pink expenses exceeds income."]
[null,null,"Total Actual Income"," Total Predicted Income"]
[null,"In this column enter a word or phrase that describes each source of income that you have actually received, such as wages, dividends, royalties, etc.",{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"},null,{"v":0,"d":"$0.00"},{"$error":"#DIV/0!"},{"v":0,"d":"$0.00"},{"$error":"#DIV/0!"}]
[null,null,"In this column entered the dollar amount of each source of income.","In this column enter the dollar amount of each source of predicted income.",null,"In this column enter a word or phrase that describes each expense, such as rent, food, entertainment, etc.","In this column entered the dollar amount of each expense.","The numbers in this column, indicate the percent of the total income consumed, by each expense. ","In this column enter the dollar amount of each predicted expense.","The numbers in this column, indicate the percent of the total predicted income consumed, by each expense."]
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