{"text_format":"3","workbook":"xlsx","n_sheets":8,"sheets":["Guide","Annual Cash Flow","Monthly Cash Flow","Daily Summary","Income","Expenses","Discretionary","Savings"],"not_rendered":{"charts":4,"defined_names":34},"read":"whole","date_system":"1900"}

{"sheet":"Guide","index":0,"n_rows":6,"n_cols":8,"rows_kept":6,"merged":[[0,1,0,5],[1,1,1,5],[2,1,2,5]]}
[{"$nulls":6},"GUIDE","INCOME"]
[null,"PERSONAL CASH FLOW"]
[null,"This workbook has annual, monthly and daily cash flow worksheets.  Choose the cash flow type that works best for you or use them all to help gain insight on your personal cash flow."]
[]
[null,"Annual Cash Flow",null,"Monthly Cash Flow",null,"Daily Cash Flow"]
[null,"Enter an annual cash flow amount over various areas. See the monthly breakdown and how everything compares, and most importantly, what your bottom line is in both annual and monthly figures.",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,"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."]

{"sheet":"Annual Cash Flow","index":1,"n_rows":6,"n_cols":15,"rows_kept":6,"merged":[[0,1,0,5],[0,7,0,8],[1,1,1,2],[1,3,1,5],[1,6,1,15],[2,1,2,3],[2,5,2,7],[2,9,2,11],[2,13,2,15],[3,2,3,3],[3,6,3,7],[3,10,3,11],[3,14,3,15],[4,1,4,3],[4,5,4,7],[4,9,4,11],[4,13,4,15],[5,2,5,3],[5,6,5,7],[5,10,5,11],[5,14,5,15]]}
[null,"PERSONAL CASH FLOW",{"$nulls":4},"GUIDE","ANNUAL CASH FLOW",null,"MONTHLY \nCASH FLOW"]
[null,"Total Cash Flow to Date:",null,{"$f":"AnnualCashFlowToDate","v":{"v":39750,"d":"£39,750.00"}},null,null,"This is an annual estimation.  Use this worksheet if you wish to view annual amounts with estimated monthly values. Use other worksheets to add daily items."]
[null,"INCOME SUMMARY",{"$nulls":3},"EXPENSES SUMMARY",{"$nulls":3},"DISCRETIONARY SUMMARY",{"$nulls":3},"SAVINGS SUMMARY"]
[null,"Total Annual:",{"$f":"Income!C10","v":{"v":125000,"d":"£125,000.00"}},null,null,"Total Annual:",{"$f":"Expenses[[#Totals],[Annual  ]]","v":{"v":49000,"d":"£49,000.00"}},null,null,"Total Annual:",{"$f":"Discretionary[[#Totals],[Annual  ]]","v":{"v":13250,"d":"£13,250.00"}},null,null,"Total Annual:",{"$f":"Savings[[#Totals],[Annual  ]]","v":{"v":23000,"d":"£23,000.00"}}]
[null,"Pie chart showing income from various sources is in this cell.",{"$nulls":3},"Pie chart showing expenses incurred is in this cell.",{"$nulls":3},"Pie chart showing discretionary expenses is in this cell.",{"$nulls":3},"Pie chart showing savings and investments is in this cell."]
[null,"Total Monthly:",{"$f":"Income!D10","v":{"v":10416.666666666668,"d":"£10,416.67"}},null,null,"Total Monthly:",{"$f":"Expenses[[#Totals],[Monthly ]]","v":{"v":4083.333333333333,"d":"£4,083.33"}},null,null,"Total Monthly:",{"$f":"Discretionary[[#Totals],[Monthly ]]","v":{"v":1104.1666666666665,"d":"£1,104.17"}},null,null,"Total Monthly:",{"$f":"Savings!D9","v":{"v":1916.6666666666667,"d":"£1,916.67"}}]

{"sheet":"Monthly Cash Flow","index":2,"n_rows":47,"n_cols":16,"rows_kept":47,"merged":[[0,1,0,6],[1,1,1,2],[1,3,1,4],[1,5,1,15],[47,1,47,15]]}
[null,"PERSONAL CASH FLOW",{"$nulls":5},"GUIDE","ANNUAL CASH FLOW","MONTHLY CASH FLOW","DAILY SUMMARY"]
[null,"Total Monthly Cash Flow:",null,{"$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."]
[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","Income Tax",{"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","Council 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","Plumbing",{"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","Bins",{"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","Life/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",{"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","Presents",{"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","401(k)/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/Investment 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":"Daily Summary","index":3,"n_rows":53,"n_cols":9,"rows_kept":53,"merged":[[0,1,0,4],[1,1,1,2],[1,3,1,4],[1,5,1,12]]}
[null,"PERSONAL CASH FLOW",{"$nulls":3},"GUIDE","MONTHLY \nCASH FLOW","DAILY SUMMARY","INCOME"]
[null,"Total Available Cash:",null,{"$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",{"$f":"SUMIF(Daily[Type],$B5,Daily[Daily])","v":{"v":342.47,"d":"£342.47"}},{"$f":"SUMIF(Daily[Type],$B5,Daily[Monthly])","v":{"v":10416.795833333334,"d":"£10,416.80"}},{"$f":"SUMIF(Daily[Type],$B5,Daily[Annual])","v":{"v":125001.55000000002,"d":"£125,001.55"}}]
[null,"Expenses",{"$f":"SUMIF(Daily[Type],$B6,Daily[Daily])","v":{"v":136.05999999999997,"d":"£136.06"}},{"$f":"SUMIF(Daily[Type],$B6,Daily[Monthly])","v":{"v":4138.491666666667,"d":"£4,138.49"}},{"$f":"SUMIF(Daily[Type],$B6,Daily[Annual])","v":{"v":49661.899999999994,"d":"£49,661.90"}}]
[null,"Discretionary",{"$f":"SUMIF(Daily[Type],$B7,Daily[Daily])","v":{"v":36.29,"d":"£36.29"}},{"$f":"SUMIF(Daily[Type],$B7,Daily[Monthly])","v":{"v":1103.8208333333334,"d":"£1,103.82"}},{"$f":"SUMIF(Daily[Type],$B7,Daily[Annual])","v":{"v":13245.849999999999,"d":"£13,245.85"}}]
[null,"Savings",{"$f":"SUMIF(Daily[Type],$B8,Daily[Daily])","v":{"v":63.019999999999996,"d":"£63.02"}},{"$f":"SUMIF(Daily[Type],$B8,Daily[Monthly])","v":{"v":1916.8583333333333,"d":"£1,916.86"}},{"$f":"SUMIF(Daily[Type],$B8,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","Income Tax",{"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","Council 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","Plumbing",{"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","Bins",{"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","Life/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",{"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","Presents",{"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","401(k)/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/Investment 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":"Income","index":4,"n_rows":10,"n_cols":9,"rows_kept":10,"merged":[[0,1,0,4],[1,1,1,2],[1,3,1,4],[1,5,2,10]]}
[null,"PERSONAL CASH FLOW",{"$nulls":3},"GUIDE","DAILY SUMMARY","INCOME","EXPENSES"]
[null,"Total Cash Flow to Date:",null,{"$f":"AnnualCashFlowToDate","v":{"v":39750,"d":"£39,750.00"}},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"},{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":2500,"d":"£2,500.00"}}]
[null,"Other 2",null,{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Other 3",null,{"$f":"Income[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Other 4",null,{"$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":22,"n_cols":9,"rows_kept":22,"merged":[[0,1,0,4],[1,1,1,2],[1,3,1,4],[1,5,2,10]]}
[null,"PERSONAL CASH FLOW",{"$nulls":3},"GUIDE","INCOME","EXPENSES","DISCRETIONARY"]
[null,"Total Cash Flow to Date:",null,{"$f":"AnnualCashFlowToDate","v":{"v":39750,"d":"£39,750.00"}},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,"Income Tax",{"v":15000,"d":"£15,000.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":1250,"d":"£1,250.00"}}]
[null,"Council Tax",{"v":2500,"d":"£2,500.00"},{"$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/Plumbing",{"v":600,"d":"£600.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"£50.00"}}]
[null,"Bins",{"v":150,"d":"£150.00"},{"$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,"Life/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"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":100,"d":"£100.00"}}]
[null,"Medical/Dental",{"v":600,"d":"£600.00"},{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":50,"d":"£50.00"}}]
[null,"Other 1",null,{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Other 2",null,{"$f":"Expenses[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Total",{"$f":"SUBTOTAL(109,Expenses[[Annual  ]])","v":{"v":49000,"d":"£49,000.00"}},{"$f":"SUBTOTAL(109,Expenses[[Monthly ]])","v":{"v":4083.333333333333,"d":"£4,083.33"}}]

{"sheet":"Discretionary","index":6,"n_rows":15,"n_cols":9,"rows_kept":15,"merged":[[0,1,0,4],[1,1,1,2],[1,3,1,4],[1,5,2,10]]}
[null,"PERSONAL CASH FLOW",{"$nulls":3},"GUIDE","EXPENSES","DISCRETIONARY","SAVINGS"]
[null,"Total Cash Flow to Date:",null,{"$f":"AnnualCashFlowToDate","v":{"v":39750,"d":"£39,750.00"}},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,"Discretionary Expenses","Annual  ","Monthly "]
[null,"Dining",{"v":1200,"d":"£1,200.00"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":100,"d":"£100.00"}}]
[null,"Presents",{"v":600,"d":"£600.00"},{"$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"},{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":400,"d":"£400.00"}}]
[null,"Other 1",null,{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Other 2",null,{"$f":"Discretionary[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Total",{"$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":9,"n_cols":8,"rows_kept":9,"merged":[[0,1,0,4],[1,1,1,2],[1,3,1,4],[1,5,2,10]]}
[null,"PERSONAL CASH FLOW",{"$nulls":3},"GUIDE","DISCRETIONARY","SAVINGS"]
[null,"Total Cash Flow to Date:",null,{"$f":"AnnualCashFlowToDate","v":{"v":39750,"d":"£39,750.00"}},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"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":416.6666666666667,"d":"£416.67"}}]
[null,"401(k)/etc.",{"v":12000,"d":"£12,000.00"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":1000,"d":"£1,000.00"}}]
[null,"Savings/Investment",{"v":6000,"d":"£6,000.00"},{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":500,"d":"£500.00"}}]
[null,"Other 1",null,{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Other 2",null,{"$f":"Savings[[#This Row],[Annual  ]]/12","v":{"v":0,"d":"£0.00"}}]
[null,"Total",{"$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"}}]