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[null,null,"Prediction Budget Calculator",{"$nulls":4},"Note: This is a large spreadsheet, and to see it all you must scroll left to right, as well as up and down."]
[null,null,"This spreadsheet calculates two budgets, that are related to each other.  I am calling these budgets: predicted budget, 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,null,"The blue boxes provide the calculated results for the planned budget, and the light blue sections (columns) are input cells, to enter data, for the planned budget.  The yellow boxes provide the calculated results for the actual budget, and the light yellow sections (columns) are the input cells for the actual budget. "]
[null,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,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,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,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,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,null,"Carefully read the instructions on each box on this spreadsheet.  Start by reading the instructions on the two red boxes on the right, which provide information on how to set the start date and end date of your budget.",{"$nulls":4},"The first two steps required to use the Prediction Budget Calculator are listed below"]
[null,null,"For additional 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.  ",{"$nulls":4},"Delete the date in the light yellow box below, and then enter the start date of your actual budget.",null,null,"Delete the date in the light yellow box below, and then enter the end date (last day) of your actual budget."]
[null,null,"The number on the bottom of this box indicates how accurate your prediction is for your total income.  It is the actual income minus the predicted income.",null,null,"The number below represents your predicted balance, based on predicted income and expenses. If you see a minus sign and pink highlighting it means you will be short of funds by the indicated amount.",null,"1900-01-01",null,null,"9999-12-30"]
[null,null," If you see a minus sign ( - ) next to the number, and the number is black and it is highlighted in pink, it means you overestimated your income for this budget, and you might be short of money.",{"$nulls":4},"The first day of your Actual Budget is",null,null,"The last day of your Actual Budget is"]
[{"$nulls":7},"1900-01-01",null,null,"9999-12-30"]
[null,null,"If you do not see a minus sign (-), and the box is yellow with a 0, it means that your estimation was perfect.  If you see a number greater than zero, it means you under estimated your income, and you might have some extra money.",{"$nulls":4},"2009-09-01",null,null,"Your Budget expires on",{"$nulls":14},"This graph compares your predicted expense of each item, with the actual expense.  (The actual expense is the amount of money you paid, or will have to pay.)  The blue bars will represent your predicted expense, and the yellow bars will represent your actual expense, after you enter data.  (There are no bars when there is no data.)  "]
[{"$nulls":7},2958464,null,null,"9999-12-31"]
[{"$nulls":7},"If the box below turns pink, it means that the number is negative, and you are short of funds by the indicated amount, for each day in your budget.  "]
[null,null,{"v":0,"d":"$0.00"},{"$nulls":4},0]
[null,null,"The result below is a correction factor, and it is displayed in a number and percentage format.  If it is 1 or 100% you estimated your income perfectly.  If it is greater than 1 or more than 100%, you underestimated your income, and you might have some extra funds.  If it is less than 1 or less than 100%, you overestimated your income, and you might be short of funds.",null,null,{"v":0,"d":"$0.00"},null,null,"This box calculates the percent of your income that is consumed by expenses.  If the number is over",null,"This box calculates the percent of your predicted income that will be consumed by expenses.                  If the number","The number on the bottom of this box indicates how accurate your prediction is for your total expenses .  It is the predicted or planned expenses minus the actual expenses."]
[{"$nulls":5},"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,null,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$nulls":4}," 100% or highlighted in pink expenses exceeds income.","This box displays the total of all the predicted expenses."," is over 100% or highlighted in pink expenses exceeds income."," If you see a minus sign ( - ) next to the number, and the number is black and it is highlighted in pink, it means you under estimated your expenses for this budget, and you might be short of money."]
[{"$nulls":3}," Total Actual Income"," Total Predicted Income"]
[null,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!"}]
[{"$nulls":3},"In this column entered the dollar amount of each source of income.","In this column enter the dollar amount of each source of predicted income.",null,"In this column enter a word or phrase that describes each expense, such as rent, food, entertainment, etc.","In this column entered the dollar amount of each expense.","The numbers in this column, indicate the percent of the total income consumed, by each expense. ","In this column enter the dollar amount of each predicted expense.","The numbers in this column, indicate the percent of the total predicted income consumed, by each expense.","If you do not see a minus sign and the box is yellow with a 0, it means  that you estimated your expenses perfectly.  If you see a number greater than zero, it means you overestimated your expenses, and you might have some extra money. "]
[]
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[{"$nulls":8},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"},"The result below is a correction factor, and it is displayed in a number and percentage format.  If it is 1 or 100% you estimated your expenses perfectly."]
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[{"$nulls":8},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"},"If it is greater than 1 or more than 100%, you underestimated your expenses, and you might be short of funds. "]
[{"$nulls":8},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
[{"$nulls":8},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
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[{"$nulls":8},{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"},"If it is less than 1 or less than 100%, you have overestimated your expenses, and you might have some extra funds. "]
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