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1.Develop a 1-month personal budget using the Monthly Budget worksheet in the attached

2. Complete the income and expense statement using your monthly budget.
3. Complete the balance sheet.

1 2 ANNUAL CASH BUDGET BY MONTH 3 Name(s) 4 For the Month Ended January 31, 2022 8 INCOME Jan. Feb. Mar. April May June July Aug. Sep. Oct. Nov. Dec. Total for the year $ $ $ $ $ $ $ $ $ $ $ $ $ 9 Take-home pay 10 Bonuses and commissions $ $ 11 Pensions and annuities 12 Investment income $ 13 Other income $ 14 (0) Total Income $ $ $ $ $ $ $ $ $ $ $ $ $ 15 EXPENSES $ $ $ $ $ $ $ $ $ $ $ $ $ $ 16 Housing (rent/mtge, repairs) 17 Utilities (phone, elec., gas, water) 18 Food (home and away) 19 Transportation (auto/public) 20 Medical/dental, incl. insurance $ $ $ $ $ $ 21 Clothing 22 Insurance (life, auto, home) 23 Taxes (property) Appliances, furniture, and other 24 (purchases/loans) 25 Personal care $ $ 26 Recreation and entertainment $ 27 Savings and investments $ 28 Other expenses $ 29 Fun money $ 30 (11) Total Expenses $ $ $ $ $ $ $ $ $ $ $ $ $ JI CASH SURPLUS (OR DEFICIT) [(1)-(11)]] $ $ $ $ $ $ $ $ $ $ $ $ $ 32 33 34 CUMULATIVE CASH SURPLUS (OR DEFICIT) $ $ $ $ $ $ $ $ $ $ $ $ $ AutoSave OFF A svo Assignment 2 Personal financial Management Home Insert Draw Page Layout Formulas Data Review View Tell me Share Q Comments Default Ruler Zoom Formula Bar 100% Split Keep Exit New Options Normal Page Break Page Custom Preview Layout Views Gridlines Headings 100 Zoom to 100% Zoom to Selection New Window Arrange Freeze Freeze All Panes Top Row Freeze First Column Hide Switch Unhide Windows View Record Use Relative Macros Macro References F5 A x fx A B D E F. G H 1 j K L M N o P. Q R S T U V INCOME AND EXPENSE STATEMENT HM000 3 Name(s) For the Month Ended January 31, 2022 Income Wages and salaries $ Name: Name: Name: 10 11 Self-employment income 12 Bonuses and commissions 13 Investment income 14 15 Interest received Dividends received Rents received Sale of securities Other 16 17 18 Pensions and annuities 19 Other income (1) Total Income $ 20 Expenses 21 22 Housing 23 $ 24 25 Utilities 26 27 28 Food 29 30 Transportation 31 32 33 Medical Rent/mortgage payment (include insurance and taxes, if applicable) Repairs, maintenance, improvements Gas, electric, water Phone Cable TV and other Groceries Dining out Auto loan payments License plat fees, etc. Gas, oil, repairs, tires, maintenance Health, major medical, disability insurance (payroll deductions or not provided by employer) Doctor, dentist, hospital, medicines Clothes, shoes, and accessories Homeowner's (if not covered by mortgage payment) Life (not provided by employer) Auto Income and social security Property (if not included in mortgage) Loan payments Purchases and repairs Laundry, cosmetics, hair care 34 35 36 Clothing 37 Insurance 38 39 40 Taxes 41 42 Appliances, furniture, and other 43 major purchases 44 Personal care Monthly Budget Income & Expense Balance Sheet + Select destination and press ENTER or choose Paste - + 100% AutoSave OFF A svo Assignment 2 Personal financial Management Home Insert Draw Page Layout Formulas Data Review View Tell me Share Q Comments Default Ruler Zoom Formula Bar 100% Split Keep Exit New Options Normal Page Break Page Custom Preview Layout Views Gridlines Headings 100 Zoom to 100% Zoom to Selection New Window Arrange Freeze Freeze All Panes Top Row Freeze First Column Hide Switch Unhide Windows View Record Use Relative Macros Macro References F5 fx A B D E F G H 1 j K L M N o P. Q R S T U V 15 Rents received 16 Sale of securities Other 17 18 Pensions and annuities 19 Other income (1) Total Income 20 Expenses 21 22 Housing 23 $ 24 25 Utilities 26 27 28 Food 29 30 Transportation 31 32 33 Medical 34 Rent/mortgage payment (include insurance and taxes, if applicable) Repairs, maintenance, improvements Gas, electric, water Phone Cable TV and other Groceries Dining out Auto loan payments License plates, fees, etc. Gas, oil, repairs, tires, maintenance Health, major medical, disability insurance (payroll deductions or not provided by employer) Doctor, dentist, hospital, medicines Clothes, shoes, and accessories Homeowner's (if not covered by mortgage payment) Life (not provided by employer) Auto Income and social security Property (if not included in mortgage) Loan payments Purchases and repairs Laundry, cosmetics, hair care Vacations Other recreation and entertainment 35 36 Clothing 37 Insurance 38 39 40 Taxes 41 42 Appliances, furniture, and other 43 major purchases 44 Personal care 45 Recreation and entertainment 46 47 Other items 48 49 50 51 (11) Total Expenses $ CASH SURPLUS (OR DEFICIT) [(1)-(11)] $ 52 53 54 55 56 Monthly Budget Income & Expense Balance Sheet + Select destination and press ENTER or choose Paste - + 100% AutoSave OFF A svo Assignment 2 Personal financial Management Home Insert Draw Page Layout Formulas Data Review View Tell me Share Q Comments Default Ruler Split Formula Bar Zoom 100% Keep Exit New Options Normal Page Break Page Custom Preview Layout Views Gridlines Headings 100 Zoom to 100% Zoom to Selection New Window Arrange Freeze Freeze All Panes Top Row Freeze First Column Hide Switch Unhide Windows View Record Use Relative Macros Macro References J14 fx A B D E F G . K L M N o Q R S T U V 2 BALANCE SHEET 3 Name(s) Date April 22, 2022 ASSETS LIABILITIES $ 5 6 Liquid Assets 7 Cash on hand 8 In checking 9 Savings accounts 10 Money market 11 funds and deposits Certificates of deposit 12 (1 yr. to maturity) 21 Mutual funds 22 23 Real estate 24 Retirement funds, IRA 25 Other 26 Total Investments 27 Real Property 28 Primary residence 29 Second home 30 Other 31 Total Real Property 32 Personal Property 33 Auto(s): 34 Auto(s): 35 Recreational vehicles 36 Household furnishing 37 Jewelry and artwork 38 Other 39 Other Total Personal Property 40 $ Total Current Liabilities Long-Term Liabilities Primary residence mortgage Second home mortgage Real estate investment mortgage Auto loans Appliance/furniture loans Home improvement loans Single-payment loans Education loans $ $ Margin loans Other long-term loans Total Long-Term Liabilities $ (11) Total Liabilities $ $ Net Worth [(1) - (11)] $ 41 (1)Total Assets $ Total Liabilities and Net Worth $ 42 Monthly Budget Income & Expense Balance Sheet + Select destination and press ENTER or choose Paste - + 100% M N 0 a R 5 T U V W X MA 1 1 ANNEL CASH MOGET MONTH For the Month INCOME Meer April May Jure MY Sep Dec Tonya $ $ $ G to pay 0 m Intes 5 3 5 . 5 3 01 Termo PES 5 Bandwal Trad . Tryl Winther Ferna . TO 1 CASH RUS ORDIKIT . CUVLATIVI CAM BURRIOR DEPOT D G H 1 Names) 4 For the Month Ended January 31, 2022 Name Name Name 7 Income 3 Wages and salaries 9 10 11 Self-employment income 12 Bonuses and commissions 13 Investment income 14 15 16 17 1 Pensions and annuities 19 Other Income Interest received Dividends received Rents received Sale of securities Other (Total income 20 21 Expenses 22 Housing 23 24 25 Utilities 26 27 28 Food 29 30 Transportation 31 32 33 Medical 34 35 36 Clothing 37 Insurance 38 39 40 Tales 41 42 Appliances, furniture, and other 43 maior purchases 44 Personal care 45 Recreation and entertainment Rent/mortgage payment include insurance and taxes, if applicable) Repairs, maintenance, Improvements Gas, electric water Phone Cable TV and other Groceries Dining out Auto loan payments License plates, fees, etc Gas, ol, repairs, tires, maintenance Health, major medical disability insurance (payroll deductions or not provided by employer Doctor, dentist, hospital, medicines Clothes, shoes and accessories Homeowner's lif not covered by mortare payment) Life not provided by employed Auto Income and social security Property of not included in mortgage Loan payments Purchases and repairs Laundry.cosmetics, hair care Vacations Other recreation and entertainment Other items 51 () Total Expenses CASH SURPLUS (OR DEFICI 100-001 52 Monthly Budget Income & Expense Balance Sheet + Ready B c E G H Date April 22, 2022 LIABILITIES $ 3 Name(s) s ASSETS 6 Liquid Assets 7 Cash on hand S 8 In checking 9 Savings accounts 10 Money market 11 funds and deposits Certificates of deposit 12 1 yr. to maturity) 21 Mutual funds 22 23 Real estate 24 Retirement funds, IRA 25 Other 26 Total Investments 27 Real Property 28 Primary residence 29 Second home 30 Other 31 Total Real Property 32 Personal Property 33 Autos: 34 Autos: 35 Recreational vehicles 36 Household furnishing 37 Jewelry and artwork 38 Other 19 Other Total Personal Property 10 41 42 $ Total Current Liabilities Long-Term Liabilities Primary residence mortgage Second home mortgage Real estate investment mortgage Auto loans Appliance/furniture loans Home improvement loans Single-payment loans Education loans $ $ Margin loans Other long-term loans Total Long-Term Liabilities $ (1) Total Liabilities $ Net Worth (0)-00 $ $ OjTotal Assets Total Llabilities and Net Worth $ 44 Monthly Budget Income & Expense Balance Sheet Ready 1 2 ANNUAL CASH BUDGET BY MONTH 3 Name(s) 4 For the Month Ended January 31, 2022 8 INCOME Jan. Feb. Mar. April May June July Aug. Sep. Oct. Nov. Dec. Total for the year $ $ $ $ $ $ $ $ $ $ $ $ $ 9 Take-home pay 10 Bonuses and commissions $ $ 11 Pensions and annuities 12 Investment income $ 13 Other income $ 14 (0) Total Income $ $ $ $ $ $ $ $ $ $ $ $ $ 15 EXPENSES $ $ $ $ $ $ $ $ $ $ $ $ $ $ 16 Housing (rent/mtge, repairs) 17 Utilities (phone, elec., gas, water) 18 Food (home and away) 19 Transportation (auto/public) 20 Medical/dental, incl. insurance $ $ $ $ $ $ 21 Clothing 22 Insurance (life, auto, home) 23 Taxes (property) Appliances, furniture, and other 24 (purchases/loans) 25 Personal care $ $ 26 Recreation and entertainment $ 27 Savings and investments $ 28 Other expenses $ 29 Fun money $ 30 (11) Total Expenses $ $ $ $ $ $ $ $ $ $ $ $ $ JI CASH SURPLUS (OR DEFICIT) [(1)-(11)]] $ $ $ $ $ $ $ $ $ $ $ $ $ 32 33 34 CUMULATIVE CASH SURPLUS (OR DEFICIT) $ $ $ $ $ $ $ $ $ $ $ $ $ AutoSave OFF A svo Assignment 2 Personal financial Management Home Insert Draw Page Layout Formulas Data Review View Tell me Share Q Comments Default Ruler Zoom Formula Bar 100% Split Keep Exit New Options Normal Page Break Page Custom Preview Layout Views Gridlines Headings 100 Zoom to 100% Zoom to Selection New Window Arrange Freeze Freeze All Panes Top Row Freeze First Column Hide Switch Unhide Windows View Record Use Relative Macros Macro References F5 A x fx A B D E F. G H 1 j K L M N o P. Q R S T U V INCOME AND EXPENSE STATEMENT HM000 3 Name(s) For the Month Ended January 31, 2022 Income Wages and salaries $ Name: Name: Name: 10 11 Self-employment income 12 Bonuses and commissions 13 Investment income 14 15 Interest received Dividends received Rents received Sale of securities Other 16 17 18 Pensions and annuities 19 Other income (1) Total Income $ 20 Expenses 21 22 Housing 23 $ 24 25 Utilities 26 27 28 Food 29 30 Transportation 31 32 33 Medical Rent/mortgage payment (include insurance and taxes, if applicable) Repairs, maintenance, improvements Gas, electric, water Phone Cable TV and other Groceries Dining out Auto loan payments License plat fees, etc. Gas, oil, repairs, tires, maintenance Health, major medical, disability insurance (payroll deductions or not provided by employer) Doctor, dentist, hospital, medicines Clothes, shoes, and accessories Homeowner's (if not covered by mortgage payment) Life (not provided by employer) Auto Income and social security Property (if not included in mortgage) Loan payments Purchases and repairs Laundry, cosmetics, hair care 34 35 36 Clothing 37 Insurance 38 39 40 Taxes 41 42 Appliances, furniture, and other 43 major purchases 44 Personal care Monthly Budget Income & Expense Balance Sheet + Select destination and press ENTER or choose Paste - + 100% AutoSave OFF A svo Assignment 2 Personal financial Management Home Insert Draw Page Layout Formulas Data Review View Tell me Share Q Comments Default Ruler Zoom Formula Bar 100% Split Keep Exit New Options Normal Page Break Page Custom Preview Layout Views Gridlines Headings 100 Zoom to 100% Zoom to Selection New Window Arrange Freeze Freeze All Panes Top Row Freeze First Column Hide Switch Unhide Windows View Record Use Relative Macros Macro References F5 fx A B D E F G H 1 j K L M N o P. Q R S T U V 15 Rents received 16 Sale of securities Other 17 18 Pensions and annuities 19 Other income (1) Total Income 20 Expenses 21 22 Housing 23 $ 24 25 Utilities 26 27 28 Food 29 30 Transportation 31 32 33 Medical 34 Rent/mortgage payment (include insurance and taxes, if applicable) Repairs, maintenance, improvements Gas, electric, water Phone Cable TV and other Groceries Dining out Auto loan payments License plates, fees, etc. Gas, oil, repairs, tires, maintenance Health, major medical, disability insurance (payroll deductions or not provided by employer) Doctor, dentist, hospital, medicines Clothes, shoes, and accessories Homeowner's (if not covered by mortgage payment) Life (not provided by employer) Auto Income and social security Property (if not included in mortgage) Loan payments Purchases and repairs Laundry, cosmetics, hair care Vacations Other recreation and entertainment 35 36 Clothing 37 Insurance 38 39 40 Taxes 41 42 Appliances, furniture, and other 43 major purchases 44 Personal care 45 Recreation and entertainment 46 47 Other items 48 49 50 51 (11) Total Expenses $ CASH SURPLUS (OR DEFICIT) [(1)-(11)] $ 52 53 54 55 56 Monthly Budget Income & Expense Balance Sheet + Select destination and press ENTER or choose Paste - + 100% AutoSave OFF A svo Assignment 2 Personal financial Management Home Insert Draw Page Layout Formulas Data Review View Tell me Share Q Comments Default Ruler Split Formula Bar Zoom 100% Keep Exit New Options Normal Page Break Page Custom Preview Layout Views Gridlines Headings 100 Zoom to 100% Zoom to Selection New Window Arrange Freeze Freeze All Panes Top Row Freeze First Column Hide Switch Unhide Windows View Record Use Relative Macros Macro References J14 fx A B D E F G . K L M N o Q R S T U V 2 BALANCE SHEET 3 Name(s) Date April 22, 2022 ASSETS LIABILITIES $ 5 6 Liquid Assets 7 Cash on hand 8 In checking 9 Savings accounts 10 Money market 11 funds and deposits Certificates of deposit 12 (1 yr. to maturity) 21 Mutual funds 22 23 Real estate 24 Retirement funds, IRA 25 Other 26 Total Investments 27 Real Property 28 Primary residence 29 Second home 30 Other 31 Total Real Property 32 Personal Property 33 Auto(s): 34 Auto(s): 35 Recreational vehicles 36 Household furnishing 37 Jewelry and artwork 38 Other 39 Other Total Personal Property 40 $ Total Current Liabilities Long-Term Liabilities Primary residence mortgage Second home mortgage Real estate investment mortgage Auto loans Appliance/furniture loans Home improvement loans Single-payment loans Education loans $ $ Margin loans Other long-term loans Total Long-Term Liabilities $ (11) Total Liabilities $ $ Net Worth [(1) - (11)] $ 41 (1)Total Assets $ Total Liabilities and Net Worth $ 42 Monthly Budget Income & Expense Balance Sheet + Select destination and press ENTER or choose Paste - + 100% M N 0 a R 5 T U V W X MA 1 1 ANNEL CASH MOGET MONTH For the Month INCOME Meer April May Jure MY Sep Dec Tonya $ $ $ G to pay 0 m Intes 5 3 5 . 5 3 01 Termo PES 5 Bandwal Trad . Tryl Winther Ferna . TO 1 CASH RUS ORDIKIT . CUVLATIVI CAM BURRIOR DEPOT D G H 1 Names) 4 For the Month Ended January 31, 2022 Name Name Name 7 Income 3 Wages and salaries 9 10 11 Self-employment income 12 Bonuses and commissions 13 Investment income 14 15 16 17 1 Pensions and annuities 19 Other Income Interest received Dividends received Rents received Sale of securities Other (Total income 20 21 Expenses 22 Housing 23 24 25 Utilities 26 27 28 Food 29 30 Transportation 31 32 33 Medical 34 35 36 Clothing 37 Insurance 38 39 40 Tales 41 42 Appliances, furniture, and other 43 maior purchases 44 Personal care 45 Recreation and entertainment Rent/mortgage payment include insurance and taxes, if applicable) Repairs, maintenance, Improvements Gas, electric water Phone Cable TV and other Groceries Dining out Auto loan payments License plates, fees, etc Gas, ol, repairs, tires, maintenance Health, major medical disability insurance (payroll deductions or not provided by employer Doctor, dentist, hospital, medicines Clothes, shoes and accessories Homeowner's lif not covered by mortare payment) Life not provided by employed Auto Income and social security Property of not included in mortgage Loan payments Purchases and repairs Laundry.cosmetics, hair care Vacations Other recreation and entertainment Other items 51 () Total Expenses CASH SURPLUS (OR DEFICI 100-001 52 Monthly Budget Income & Expense Balance Sheet + Ready B c E G H Date April 22, 2022 LIABILITIES $ 3 Name(s) s ASSETS 6 Liquid Assets 7 Cash on hand S 8 In checking 9 Savings accounts 10 Money market 11 funds and deposits Certificates of deposit 12 1 yr. to maturity) 21 Mutual funds 22 23 Real estate 24 Retirement funds, IRA 25 Other 26 Total Investments 27 Real Property 28 Primary residence 29 Second home 30 Other 31 Total Real Property 32 Personal Property 33 Autos: 34 Autos: 35 Recreational vehicles 36 Household furnishing 37 Jewelry and artwork 38 Other 19 Other Total Personal Property 10 41 42 $ Total Current Liabilities Long-Term Liabilities Primary residence mortgage Second home mortgage Real estate investment mortgage Auto loans Appliance/furniture loans Home improvement loans Single-payment loans Education loans $ $ Margin loans Other long-term loans Total Long-Term Liabilities $ (1) Total Liabilities $ Net Worth (0)-00 $ $ OjTotal Assets Total Llabilities and Net Worth $ 44 Monthly Budget Income & Expense Balance Sheet Ready