{"text_format":"3","workbook":"xlsx","n_sheets":8,"sheets":["Guide","Daily cash flow","Monthly cash flow","Annual cash flow","Income","Expenses","Discretionary","Savings"],"not_rendered":{"charts":4,"defined_names":35,"pivot_tables":4},"read":"whole","date_system":"1900"}

{"sheet":"Guide","index":0,"n_rows":7,"n_cols":12,"rows_kept":7,"merged":[[1,1,1,7],[2,1,2,8]]}
[{"$nulls":11}," "]
[null,"PERSONAL CASH FLOW"]
[null,"  This workbook has annual, monthly and daily cash flow worksheets. \n  Choose the cash flow type that works best for you or use them all to help gain insight on your personal cash flow."]
[]
[null,"Daily cash flow",null,null,"Monthly cash flow",null,null,"Annual cash flow"]
[]
[null,"Enter an estimated amount of cash flow you experience daily and review the estimated monthly and annual totals.  Use this to get a sense of what your daily spending habits will look like over the course of a month or year.",null,null,"Enter the monthly cash flow you experience monthly or estimate the remaining months to see the projected cash flow for the year for each month.",null,null,"Enter an annual cash flow amount in four worksheets: Income, Expenses, Discretionary, and Savings. \nSee the monthly break down and how everything compares, and most importantly what your bottom line is in both annual and monthly figures."]

{"sheet":"Daily cash flow","index":1,"n_rows":55,"n_cols":6,"rows_kept":55,"merged":[[1,3,1,4],[1,5,1,8]]}
[null,"PERSONAL CASH FLOW"]
[null,null,"Total available cash:",{"$f":"DailyCashFlow","v":{"v":577.8399999999999,"d":"$577.84"}},null,"NOTE: If you wish to add daily items to the table, estimate their monthly amount/value and place value in the appropriate month column."]
[]
[null,"DAILY SUMMARY"]
[null,"Totals","Daily","Monthly","Annual "]
[null,"Income",{"$f":"SUMIF(Daily[Type],$B6,Daily[Daily])","v":{"v":342.47,"d":"$342.47"}},{"$f":"SUMIF(Daily[Type],$B6,Daily[Monthly])","v":{"v":10416.795833333334,"d":"$10,416.80"}},{"$f":"SUMIF(Daily[Type],$B6,Daily[Annual])","v":{"v":125001.55000000002,"d":"$125,001.55"}}]
[null,"Expenses",{"$f":"SUMIF(Daily[Type],$B7,Daily[Daily])","v":{"v":136.05999999999997,"d":"$136.06"}},{"$f":"SUMIF(Daily[Type],$B7,Daily[Monthly])","v":{"v":4138.491666666667,"d":"$4,138.49"}},{"$f":"SUMIF(Daily[Type],$B7,Daily[Annual])","v":{"v":49661.899999999994,"d":"$49,661.90"}}]
[null,"Discretionary",{"$f":"SUMIF(Daily[Type],$B8,Daily[Daily])","v":{"v":36.29,"d":"$36.29"}},{"$f":"SUMIF(Daily[Type],$B8,Daily[Monthly])","v":{"v":1103.8208333333334,"d":"$1,103.82"}},{"$f":"SUMIF(Daily[Type],$B8,Daily[Annual])","v":{"v":13245.849999999999,"d":"$13,245.85"}}]
[null,"Savings",{"$f":"SUMIF(Daily[Type],$B9,Daily[Daily])","v":{"v":63.019999999999996,"d":"$63.02"}},{"$f":"SUMIF(Daily[Type],$B9,Daily[Monthly])","v":{"v":1916.8583333333333,"d":"$1,916.86"}},{"$f":"SUMIF(Daily[Type],$B9,Daily[Annual])","v":{"v":23002.300000000003,"d":"$23,002.30"}}]
[]
[null,"Type","Description","Daily","Monthly","Annual"]
[null,"Income","Salary",{"v":246.58,"d":"$246.58"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":7500.141666666667,"d":"$7,500.14"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":90001.70000000001,"d":"$90,001.70"}}]
[null,"Income","Commissions/bonus",{"v":13.7,"d":"$13.70"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":416.7083333333333,"d":"$416.71"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":5000.5,"d":"$5,000.50"}}]
[null,"Income","Other 1",{"v":82.19,"d":"$82.19"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":2499.945833333333,"d":"$2,499.95"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":29999.35,"d":"$29,999.35"}}]
[null,"Income","Other 2",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Income","Other 3",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Income","Other 4",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Expenses","Federal/SS/Medicare",{"v":41.1,"d":"$41.10"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":1250.125,"d":"$1,250.13"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":15001.5,"d":"$15,001.50"}}]
[null,"Expenses","State income tax",{"v":6.85,"d":"$6.85"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":208.35416666666666,"d":"$208.35"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":2500.25,"d":"$2,500.25"}}]
[null,"Expenses","Vehicle tax/fees",{"v":0.55,"d":"$0.55"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":16.729166666666668,"d":"$16.73"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":200.75000000000003,"d":"$200.75"}}]
[null,"Expenses","Vehicle payments",{"v":10.96,"d":"$10.96"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":333.3666666666667,"d":"$333.37"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":4000.4,"d":"$4,000.40"}}]
[null,"Expenses","Mortgage/rent",{"v":41.1,"d":"$41.10"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":1250.125,"d":"$1,250.13"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":15001.5,"d":"$15,001.50"}}]
[null,"Expenses","Insurance",{"v":0.68,"d":"$0.68"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":20.683333333333334,"d":"$20.68"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":248.20000000000002,"d":"$248.20"}}]
[null,"Expenses","Electricity",{"v":3.29,"d":"$3.29"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":100.07083333333333,"d":"$100.07"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":1200.85,"d":"$1,200.85"}}]
[null,"Expenses","Gas",{"v":1.64,"d":"$1.64"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":49.883333333333326,"d":"$49.88"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":598.5999999999999,"d":"$598.60"}}]
[null,"Expenses","Water",{"v":1.64,"d":"$1.64"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":49.883333333333326,"d":"$49.88"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":598.5999999999999,"d":"$598.60"}}]
[null,"Expenses","Sewer",{"v":0.82,"d":"$0.82"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":24.941666666666663,"d":"$24.94"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":299.29999999999995,"d":"$299.30"}}]
[null,"Expenses","Garbage",{"v":0.41,"d":"$0.41"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":12.470833333333331,"d":"$12.47"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":149.64999999999998,"d":"$149.65"}}]
[null,"Expenses","Phone",{"v":1.64,"d":"$1.64"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":49.883333333333326,"d":"$49.88"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":598.5999999999999,"d":"$598.60"}}]
[null,"Expenses","Internet",{"v":1.64,"d":"$1.64"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":49.883333333333326,"d":"$49.88"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":598.5999999999999,"d":"$598.60"}}]
[null,"Expenses","Disability premiums",{"v":4.11,"d":"$4.11"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":125.0125,"d":"$125.01"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":1500.15,"d":"$1,500.15"}}]
[null,"Expenses","Food",{"v":13.7,"d":"$13.70"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":416.7083333333333,"d":"$416.71"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":5000.5,"d":"$5,000.50"}}]
[null,"Expenses","Clothing",{"v":3.29,"d":"$3.29"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":100.07083333333333,"d":"$100.07"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":1200.85,"d":"$1,200.85"}}]
[null,"Expenses","Medical/dental/Rx",{"v":1.64,"d":"$1.64"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":49.883333333333326,"d":"$49.88"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":598.5999999999999,"d":"$598.60"}}]
[null,"Expenses","Bus",{"v":1,"d":"$1.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":30.416666666666668,"d":"$30.42"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":365,"d":"$365.00"}}]
[null,"Expenses","Other 2",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Expenses","Other 3",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Expenses","Other 4",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Discretionary","Dining",{"v":3.29,"d":"$3.29"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":100.07083333333333,"d":"$100.07"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":1200.85,"d":"$1,200.85"}}]
[null,"Discretionary","Gifts",{"v":1.64,"d":"$1.64"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":49.883333333333326,"d":"$49.88"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":598.5999999999999,"d":"$598.60"}}]
[null,"Discretionary","Travel",{"v":6.16,"d":"$6.16"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":187.36666666666667,"d":"$187.37"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":2248.4,"d":"$2,248.40"}}]
[null,"Discretionary","Entertainment",{"v":3.29,"d":"$3.29"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":100.07083333333333,"d":"$100.07"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":1200.85,"d":"$1,200.85"}}]
[null,"Discretionary","Personal care",{"v":0.82,"d":"$0.82"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":24.941666666666663,"d":"$24.94"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":299.29999999999995,"d":"$299.30"}}]
[null,"Discretionary","Shopping",{"v":5.48,"d":"$5.48"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":166.68333333333334,"d":"$166.68"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":2000.2,"d":"$2,000.20"}}]
[null,"Discretionary","Charity",{"v":1.64,"d":"$1.64"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":49.883333333333326,"d":"$49.88"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":598.5999999999999,"d":"$598.60"}}]
[null,"Discretionary","Club memberships",{"v":0.82,"d":"$0.82"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":24.941666666666663,"d":"$24.94"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":299.29999999999995,"d":"$299.30"}}]
[null,"Discretionary","Home improvements",{"v":13.15,"d":"$13.15"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":399.9791666666667,"d":"$399.98"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":4799.75,"d":"$4,799.75"}}]
[null,"Discretionary","Other 1",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Discretionary","Other 2",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Savings","Cash reserves",{"v":13.7,"d":"$13.70"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":416.7083333333333,"d":"$416.71"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":5000.5,"d":"$5,000.50"}}]
[null,"Savings","401k etc.",{"v":32.88,"d":"$32.88"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":1000.1,"d":"$1,000.10"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":12001.2,"d":"$12,001.20"}}]
[null,"Savings","Savings account",{"v":16.44,"d":"$16.44"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":500.05,"d":"$500.05"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":6000.6,"d":"$6,000.60"}}]
[null,"Savings","Other 1",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Savings","Other 2",{"v":0,"d":"$0.00"},{"$f":"Daily[[#This Row],[Annual]]/12","v":{"v":0,"d":"$0.00"}},{"$f":"Daily[[#This Row],[Daily]]*365","v":{"v":0,"d":"$0.00"}}]
[null,"Total",null,{"$f":"SUMIF(Daily[Type],\"Income\",Daily[Daily])-SUMIF(Daily[Type],\"<>Income\",Daily[Daily])","v":{"v":107.10000000000014,"d":"$107.10"}},{"$f":"SUMIF(Daily[Type],\"Income\",Daily[Monthly])-SUMIF(Daily[Type],\"<>Income\",Daily[Monthly])","v":{"v":3257.625,"d":"$3,257.63"}},{"$f":"SUMIF(Daily[Type],\"Income\",Daily[Annual])-SUMIF(Daily[Type],\"<>Income\",Daily[Annual])","v":{"v":39091.500000000015,"d":"$39,091.50"}}]

{"sheet":"Monthly cash flow","index":2,"n_rows":48,"n_cols":18,"rows_kept":48,"merged":[[1,3,1,4],[1,5,1,10]]}
[null,"PERSONAL CASH FLOW",{"$nulls":15}," "]
[null,null,"Total monthly cash flow:",{"$f":"MonthlyCashFlowToDate","v":{"v":18380,"d":"$18,380.00"}},null,"NOTE: For daily items, estimate the monthly amount/value and place that value in the appropriate month column.\n"]
[]
[null,"Type","Description","Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec","Total"]
[null,"Income","Salary",{"v":7500,"d":"$7,500.00"},{"v":7500,"d":"$7,500.00"},{"v":7500,"d":"$7,500.00"},{"v":7500,"d":"$7,500.00"},{"v":7500,"d":"$7,500.00"},{"v":7500,"d":"$7,500.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":45000,"d":"$45,000.00"}}]
[null,"Income","Commissions/bonus",{"v":400,"d":"$400.00"},{"v":400,"d":"$400.00"},{"v":500,"d":"$500.00"},{"v":200,"d":"$200.00"},{"v":0,"d":"$0.00"},{"v":600,"d":"$600.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":2100,"d":"$2,100.00"}}]
[null,"Income","Other 1",{"v":2500,"d":"$2,500.00"},{"v":2500,"d":"$2,500.00"},{"v":2500,"d":"$2,500.00"},{"v":2500,"d":"$2,500.00"},{"v":2500,"d":"$2,500.00"},{"v":2500,"d":"$2,500.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":15000,"d":"$15,000.00"}}]
[null,"Income","Other 2",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Income","Other 3",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Income","Other 4",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Expenses","Federal/SS/Medicare",{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":7500,"d":"$7,500.00"}}]
[null,"Expenses","State income tax",{"v":208.33333333333334,"d":"$208.33"},{"v":208.33333333333334,"d":"$208.33"},{"v":208.33333333333334,"d":"$208.33"},{"v":208.33333333333334,"d":"$208.33"},{"v":208.33333333333334,"d":"$208.33"},{"v":208.33333333333334,"d":"$208.33"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":1250,"d":"$1,250.00"}}]
[null,"Expenses","Vehicle tax/fees",{"v":16.666666666666668,"d":"$16.67"},{"v":16.666666666666668,"d":"$16.67"},{"v":16.666666666666668,"d":"$16.67"},{"v":16.666666666666668,"d":"$16.67"},{"v":16.666666666666668,"d":"$16.67"},{"v":16.666666666666668,"d":"$16.67"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":100.00000000000001,"d":"$100.00"}}]
[null,"Expenses","Vehicle payments",{"v":333.3333333333333,"d":"$333.33"},{"v":333.3333333333333,"d":"$333.33"},{"v":333.3333333333333,"d":"$333.33"},{"v":333.3333333333333,"d":"$333.33"},{"v":333.3333333333333,"d":"$333.33"},{"v":333.3333333333333,"d":"$333.33"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":1999.9999999999998,"d":"$2,000.00"}}]
[null,"Expenses","Mortgage/rent",{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"v":1250,"d":"$1,250.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":7500,"d":"$7,500.00"}}]
[null,"Expenses","Insurance",{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":150,"d":"$150.00"}}]
[null,"Expenses","Electricity",{"v":100,"d":"$100.00"},{"v":100,"d":"$100.00"},{"v":100,"d":"$100.00"},{"v":100,"d":"$100.00"},{"v":100,"d":"$100.00"},{"v":100,"d":"$100.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":600,"d":"$600.00"}}]
[null,"Expenses","Gas",{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":300,"d":"$300.00"}}]
[null,"Expenses","Water",{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":300,"d":"$300.00"}}]
[null,"Expenses","Sewer",{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":150,"d":"$150.00"}}]
[null,"Expenses","Garbage",{"v":12.5,"d":"$12.50"},{"v":12.5,"d":"$12.50"},{"v":12.5,"d":"$12.50"},{"v":12.5,"d":"$12.50"},{"v":12.5,"d":"$12.50"},{"v":12.5,"d":"$12.50"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":75,"d":"$75.00"}}]
[null,"Expenses","Phone",{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":300,"d":"$300.00"}}]
[null,"Expenses","Internet",{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":300,"d":"$300.00"}}]
[null,"Expenses","Disability premiums",{"v":125,"d":"$125.00"},{"v":125,"d":"$125.00"},{"v":125,"d":"$125.00"},{"v":125,"d":"$125.00"},{"v":125,"d":"$125.00"},{"v":125,"d":"$125.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":750,"d":"$750.00"}}]
[null,"Expenses","Food",{"v":400,"d":"$400.00"},{"v":500,"d":"$500.00"},{"v":450,"d":"$450.00"},{"v":400,"d":"$400.00"},{"v":450,"d":"$450.00"},{"v":425,"d":"$425.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":2625,"d":"$2,625.00"}}]
[null,"Expenses","Clothing",{"v":50,"d":"$50.00"},{"v":75,"d":"$75.00"},{"v":100,"d":"$100.00"},{"v":75,"d":"$75.00"},{"v":125,"d":"$125.00"},{"v":75,"d":"$75.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":500,"d":"$500.00"}}]
[null,"Expenses","Medical/dental/Rx",{"v":50,"d":"$50.00"},{"v":10,"d":"$10.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":20,"d":"$20.00"},{"v":70,"d":"$70.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":200,"d":"$200.00"}}]
[null,"Expenses","Bus",{"v":30,"d":"$30.00"},{"v":30,"d":"$30.00"},{"v":30,"d":"$30.00"},{"v":20,"d":"$20.00"},{"v":30,"d":"$30.00"},{"v":30,"d":"$30.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":170,"d":"$170.00"}}]
[null,"Expenses","Other 2",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Expenses","Other 3",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Expenses","Other 4",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Discretionary","Dining",{"v":50,"d":"$50.00"},{"v":150,"d":"$150.00"},{"v":100,"d":"$100.00"},{"v":50,"d":"$50.00"},{"v":150,"d":"$150.00"},{"v":100,"d":"$100.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":600,"d":"$600.00"}}]
[null,"Discretionary","Gifts",{"v":25,"d":"$25.00"},{"v":75,"d":"$75.00"},{"v":50,"d":"$50.00"},{"v":25,"d":"$25.00"},{"v":75,"d":"$75.00"},{"v":50,"d":"$50.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":300,"d":"$300.00"}}]
[null,"Discretionary","Travel",{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"},{"v":1000,"d":"$1,000.00"},{"v":0,"d":"$0.00"},{"v":0,"d":"$0.00"},{"v":1000,"d":"$1,000.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":2000,"d":"$2,000.00"}}]
[null,"Discretionary","Entertainment",{"v":50,"d":"$50.00"},{"v":150,"d":"$150.00"},{"v":100,"d":"$100.00"},{"v":50,"d":"$50.00"},{"v":150,"d":"$150.00"},{"v":100,"d":"$100.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":600,"d":"$600.00"}}]
[null,"Discretionary","Personal care",{"v":15,"d":"$15.00"},{"v":25,"d":"$25.00"},{"v":35,"d":"$35.00"},{"v":15,"d":"$15.00"},{"v":25,"d":"$25.00"},{"v":35,"d":"$35.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":150,"d":"$150.00"}}]
[null,"Discretionary","Shopping",{"v":100,"d":"$100.00"},{"v":200,"d":"$200.00"},{"v":150,"d":"$150.00"},{"v":175,"d":"$175.00"},{"v":150,"d":"$150.00"},{"v":175,"d":"$175.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":950,"d":"$950.00"}}]
[null,"Discretionary","Charity",{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"v":50,"d":"$50.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":300,"d":"$300.00"}}]
[null,"Discretionary","Club memberships",{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"v":25,"d":"$25.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":150,"d":"$150.00"}}]
[null,"Discretionary","Home improvements",{"v":400,"d":"$400.00"},{"v":400,"d":"$400.00"},{"v":400,"d":"$400.00"},{"v":400,"d":"$400.00"},{"v":400,"d":"$400.00"},{"v":400,"d":"$400.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":2400,"d":"$2,400.00"}}]
[null,"Discretionary","Other 1",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Discretionary","Other 2",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Savings","Cash reserves",{"v":416.6666666666667,"d":"$416.67"},{"v":416.6666666666667,"d":"$416.67"},{"v":416.6666666666667,"d":"$416.67"},{"v":416.6666666666667,"d":"$416.67"},{"v":416.6666666666667,"d":"$416.67"},{"v":416.6666666666667,"d":"$416.67"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":2500,"d":"$2,500.00"}}]
[null,"Savings","401k etc.",{"v":1000,"d":"$1,000.00"},{"v":1000,"d":"$1,000.00"},{"v":1000,"d":"$1,000.00"},{"v":1000,"d":"$1,000.00"},{"v":1000,"d":"$1,000.00"},{"v":1000,"d":"$1,000.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":6000,"d":"$6,000.00"}}]
[null,"Savings","Savings account",{"v":500,"d":"$500.00"},{"v":500,"d":"$500.00"},{"v":500,"d":"$500.00"},{"v":500,"d":"$500.00"},{"v":500,"d":"$500.00"},{"v":500,"d":"$500.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":3000,"d":"$3,000.00"}}]
[null,"Savings","Other 1",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Savings","Other 2",{"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"},{"v":0,"d":"$0.00"},{"$nulls":6},{"$f":"SUM(Monthly[[#This Row],[Jan]:[Dec]])","v":{"v":0,"d":"$0.00"}}]
[null,"Total",null,{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Jan])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Jan])","v":{"v":3692.5,"d":"$3,692.50"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Feb])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Feb])","v":{"v":3247.5,"d":"$3,247.50"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Mar])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Mar])","v":{"v":2522.5,"d":"$2,522.50"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Apr])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Apr])","v":{"v":3427.5,"d":"$3,427.50"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[May])-SUMIF(Monthly[Type],\"<>Income\",Monthly[May])","v":{"v":2887.5,"d":"$2,887.50"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Jun])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Jun])","v":{"v":2602.5,"d":"$2,602.50"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Jul])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Jul])","v":{"v":0,"d":"$0.00"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Aug])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Aug])","v":{"v":0,"d":"$0.00"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Sep])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Sep])","v":{"v":0,"d":"$0.00"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Oct])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Oct])","v":{"v":0,"d":"$0.00"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Nov])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Nov])","v":{"v":0,"d":"$0.00"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Dec])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Dec])","v":{"v":0,"d":"$0.00"}},{"$f":"SUMIF(Monthly[Type],\"Income\",Monthly[Total])-SUMIF(Monthly[Type],\"<>Income\",Monthly[Total])","v":{"v":18380,"d":"$18,380.00"}}]

{"sheet":"Annual cash flow","index":3,"n_rows":29,"n_cols":28,"rows_kept":29,"merged":[[1,3,1,4],[1,6,1,11],[3,1,3,3],[3,5,3,7],[3,9,3,11],[3,13,3,15],[4,2,4,3],[4,6,4,7],[4,10,4,11],[4,14,4,15],[7,2,7,3],[7,6,7,7],[7,10,7,11],[7,14,7,15]]}
[null,"PERSONAL CASH FLOW",{"$nulls":14}," "]
[null,null,"Total cash flow to date:",{"$f":"AnnualCashFlowToDate","v":{"v":42250,"d":"$42,250.00"}},null,null,"This is an annual estimation.  Use this worksheet if you wish to view annual amounts with estimated monthly values. Use income, expenses, discretionary, and savings worksheets to enter items."]
[]
[null,"INCOME SUMMARY",{"$nulls":3},"EXPENSES SUMMARY",{"$nulls":3},"DISCRETIONARY SUMMARY",{"$nulls":3},"SAVINGS SUMMARY"]
[null,"Total annual:",{"$f":"Income!C11","v":{"v":125000,"d":"$125,000.00"}},null,null,"Total annual:",{"$f":"Expenses[[#Totals],[Annual  ]]","v":{"v":46500,"d":"$46,500.00"}},null,null,"Total annual:",{"$f":"Discretionary[[#Totals],[Annual  ]]","v":{"v":13250,"d":"$13,250.00"}},null,null,"Total annual:",{"$f":"Savings[[#Totals],[Annual  ]]","v":{"v":23000,"d":"$23,000.00"}}]
[]
[]
[null,"Total Monthly:",{"$f":"Income!D11","v":{"v":10416.666666666668,"d":"$10,416.67"}},null,null,"Total Monthly:",{"$f":"Expenses[[#Totals],[Monthly ]]","v":{"v":3875,"d":"$3,875.00"}},null,null,"Total Monthly:",{"$f":"Discretionary[[#Totals],[Monthly ]]","v":{"v":1104.1666666666665,"d":"$1,104.17"}},null,null,"Total Monthly:",{"$f":"Savings!D10","v":{"v":1916.6666666666667,"d":"$1,916.67"}}]
[]
[{"$nulls":17},"Row Labels","Annual Income",null,"Row Labels","Sum of Annual",null,"Row Labels","Sum of Annual",null,"Row Labels","Sum of Annual"]
[{"$nulls":17},"Other 2",{"v":0,"d":"$0"},null,"Other 1",{"v":0,"d":"$0"},null,"Other 2",{"v":0,"d":"$0"},null,"Other 1",{"v":0,"d":"$0"}]
[{"$nulls":17},"Other 3",{"v":0,"d":"$0"},null,"Other 2",{"v":0,"d":"$0"},null,"Other 1",{"v":0,"d":"$0"},null,"Other 2",{"v":0,"d":"$0"}]
[{"$nulls":17},"Other 4",{"v":0,"d":"$0"},null,"Garbage",{"v":150,"d":"$150"},null,"Club/Memberships",{"v":300,"d":"$300"},null,"Cash Reserves",{"v":5000,"d":"$5,000"}]
[{"$nulls":17},"Commissions/bonus",{"v":5000,"d":"$5,000"},null,"Vehicle Tax/Fees",{"v":200,"d":"$200"},null,"Personal Care",{"v":300,"d":"$300"},null,"Savings/Investment",{"v":6000,"d":"$6,000"}]
[{"$nulls":17},"Other 1",{"v":30000,"d":"$30,000"},null,"Insurance",{"v":250,"d":"$250"},null,"Gifts",{"v":600,"d":"$600"},null,"401(k)/Etc",{"v":12000,"d":"$12,000"}]
[{"$nulls":17},"Salary",{"v":90000,"d":"$90,000"},null,"Internet",{"v":600,"d":"$600"},null,"Charity",{"v":600,"d":"$600"},null,"Grand Total",{"v":23000,"d":"$23,000"}]
[{"$nulls":17},"Grand Total",{"v":125000,"d":"$125,000"},null,"Gas",{"v":600,"d":"$600"},null,"Entertainment",{"v":1200,"d":"$1,200"}]
[{"$nulls":20},"Water/Sewer",{"v":600,"d":"$600"},null,"Dining",{"v":1200,"d":"$1,200"}]
[{"$nulls":20},"Phone",{"v":600,"d":"$600"},null,"Shopping",{"v":2000,"d":"$2,000"}]
[{"$nulls":20},"Medical/Dental/Rx",{"v":600,"d":"$600"},null,"Travel",{"v":2250,"d":"$2,250"}]
[{"$nulls":20},"Electricity",{"v":1200,"d":"$1,200"},null,"Home Improvements",{"v":4800,"d":"$4,800"}]
[{"$nulls":20},"Clothing",{"v":1200,"d":"$1,200"},null,"Grand Total",{"v":13250,"d":"$13,250"}]
[{"$nulls":20},"Disability Premiums",{"v":1500,"d":"$1,500"}]
[{"$nulls":20},"State Income Tax",{"v":2500,"d":"$2,500"}]
[{"$nulls":20},"Vehicle Payments",{"v":4000,"d":"$4,000"}]
[{"$nulls":20},"Food",{"v":5000,"d":"$5,000"}]
[{"$nulls":20},"Federal/SS/Medicare",{"v":12500,"d":"$12,500"}]
[{"$nulls":20},"Mortgage/Rent",{"v":15000,"d":"$15,000"}]
[{"$nulls":20},"Grand Total",{"v":46500,"d":"$46,500"}]

{"sheet":"Income","index":4,"n_rows":11,"n_cols":6,"rows_kept":11,"merged":[[1,3,1,4],[1,5,2,8]]}
[null,"PERSONAL CASH FLOW"]
[null,null,"Total cash flow to date:",{"$f":"AnnualCashFlowToDate","v":{"v":42250,"d":"$42,250.00"}},null,"This is an annual estimation.  Use this worksheet if you wish to view annual amounts with estimated monthly values.\nIf you wish to add daily items to the tables, estimate their annual amount/value and place value in the annual column."]
[]
[null,"Income","Annual  ","Monthly "]
[null,"Salary",{"v":90000,"d":"$90,000.00"},{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":7500,"d":"$7,500.00"}}]
[null,"Commissions/bonus",{"v":5000,"d":"$5,000.00"},{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":416.6666666666667,"d":"$416.67"}}]
[null,"Other 1",{"v":30000,"d":"$30,000.00"},{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":2500,"d":"$2,500.00"}}]
[null,"Other 2",{"v":0,"d":"$0.00"},{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Other 3",{"v":0,"d":"$0.00"},{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Other 4",{"v":0,"d":"$0.00"},{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Total",{"$f":"SUBTOTAL(109,Income[[Annual  ]])","v":{"v":125000,"d":"$125,000.00"}},{"$f":"SUBTOTAL(109,Income[[Monthly ]])","v":{"v":10416.666666666668,"d":"$10,416.67"}}]

{"sheet":"Expenses","index":5,"n_rows":23,"n_cols":6,"rows_kept":23,"merged":[[1,3,1,4],[1,5,2,8]]}
[null,"PERSONAL CASH FLOW"]
[null,null,"Total cash flow to date:",{"$f":"AnnualCashFlowToDate","v":{"v":42250,"d":"$42,250.00"}},null,"This is an annual estimation.  Use this worksheet if you wish to view annual amounts with estimated monthly values\nIf you wish to add daily items to the tables, estimate their annual amount/value and place value in the annual column."]
[]
[null,"Expenses","Annual  ","Monthly "]
[null,"Federal/SS/Medicare",{"v":12500,"d":"$12,500.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":1041.6666666666667,"d":"$1,041.67"}}]
[null,"State income tax",{"v":2500,"d":"$2,500.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":208.33333333333334,"d":"$208.33"}}]
[null,"Vehicle tax/fees",{"v":200,"d":"$200.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":16.666666666666668,"d":"$16.67"}}]
[null,"Vehicle payments",{"v":4000,"d":"$4,000.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":333.3333333333333,"d":"$333.33"}}]
[null,"Mortgage/rent",{"v":15000,"d":"$15,000.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":1250,"d":"$1,250.00"}}]
[null,"Insurance",{"v":250,"d":"$250.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":20.833333333333332,"d":"$20.83"}}]
[null,"Electricity",{"v":1200,"d":"$1,200.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":100,"d":"$100.00"}}]
[null,"Gas",{"v":600,"d":"$600.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"$50.00"}}]
[null,"Water/sewer",{"v":600,"d":"$600.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"$50.00"}}]
[null,"Garbage",{"v":150,"d":"$150.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":12.5,"d":"$12.50"}}]
[null,"Phone",{"v":600,"d":"$600.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"$50.00"}}]
[null,"Internet",{"v":600,"d":"$600.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"$50.00"}}]
[null,"Disability premiums",{"v":1500,"d":"$1,500.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":125,"d":"$125.00"}}]
[null,"Food",{"v":5000,"d":"$5,000.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":416.6666666666667,"d":"$416.67"}}]
[null,"Clothing",{"v":1200,"d":"$1,200.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":100,"d":"$100.00"}}]
[null,"Medical/dental/Rx",{"v":600,"d":"$600.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"$50.00"}}]
[null,"Other 1",{"v":0,"d":"$0.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Other 2",{"v":0,"d":"$0.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Total",{"$f":"SUBTOTAL(109,Expenses[[Annual  ]])","v":{"v":46500,"d":"$46,500.00"}},{"$f":"SUBTOTAL(109,Expenses[[Monthly ]])","v":{"v":3875,"d":"$3,875.00"}}]

{"sheet":"Discretionary","index":6,"n_rows":16,"n_cols":6,"rows_kept":16,"merged":[[1,3,1,4],[1,5,2,8]]}
[null,"PERSONAL CASH FLOW"]
[null,null,"Total cash flow to date:",{"$f":"AnnualCashFlowToDate","v":{"v":42250,"d":"$42,250.00"}},null,"This is an annual estimation.  Use this worksheet if you wish to view annual amounts with estimated monthly values\nIf you wish to add daily items to the tables, estimate their annual amount/value and place value in the annual column."]
[]
[null,"Expenses","Annual  ","Monthly "]
[null,"Dining",{"v":1200,"d":"$1,200.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":100,"d":"$100.00"}}]
[null,"Gifts",{"v":600,"d":"$600.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"$50.00"}}]
[null,"Travel",{"v":2250,"d":"$2,250.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":187.5,"d":"$187.50"}}]
[null,"Entertainment",{"v":1200,"d":"$1,200.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":100,"d":"$100.00"}}]
[null,"Personal care",{"v":300,"d":"$300.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":25,"d":"$25.00"}}]
[null,"Shopping",{"v":2000,"d":"$2,000.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":166.66666666666666,"d":"$166.67"}}]
[null,"Charity",{"v":600,"d":"$600.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"$50.00"}}]
[null,"Club memberships",{"v":300,"d":"$300.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":25,"d":"$25.00"}}]
[null,"Home improvements",{"v":4800,"d":"$4,800.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":400,"d":"$400.00"}}]
[null,"Other 1",{"v":0,"d":"$0.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Other 2",{"v":0,"d":"$0.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Total",{"$f":"SUBTOTAL(109,Discretionary[[Annual  ]])","v":{"v":13250,"d":"$13,250.00"}},{"$f":"SUBTOTAL(109,Discretionary[[Monthly ]])","v":{"v":1104.1666666666665,"d":"$1,104.17"}}]

{"sheet":"Savings","index":7,"n_rows":10,"n_cols":10,"rows_kept":10,"merged":[[1,3,1,4],[1,5,2,8]]}
[null,"PERSONAL CASH FLOW",{"$nulls":7}," "]
[null,null,"Total cash flow to date:",{"$f":"AnnualCashFlowToDate","v":{"v":42250,"d":"$42,250.00"}},null,"This is an annual estimation.  Use this worksheet if you wish to view annual amounts with estimated monthly values\nIf you wish to add daily items to the tables, estimate their annual amount/value and place value in the annual column."]
[]
[null,"Savings","Annual  ","Monthly "]
[null,"Cash reserves",{"v":5000,"d":"$5,000.00"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":416.6666666666667,"d":"$416.67"}}]
[null,"401k etc.",{"v":12000,"d":"$12,000.00"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":1000,"d":"$1,000.00"}}]
[null,"Savings/investment",{"v":6000,"d":"$6,000.00"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":500,"d":"$500.00"}}]
[null,"Other 1",{"v":0,"d":"$0.00"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Other 2",{"v":0,"d":"$0.00"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"$0.00"}}]
[null,"Total",{"$f":"SUBTOTAL(109,Savings[[Annual  ]])","v":{"v":23000,"d":"$23,000.00"}},{"$f":"SUBTOTAL(109,Savings[[Monthly ]])","v":{"v":1916.6666666666667,"d":"$1,916.67"}}]