{"text_format":"3","workbook":"xlsx","n_sheets":1,"sheets":["Budget Worksheet"],"not_rendered":{"images":1,"defined_names":1},"read":"whole","date_system":"1900"}

{"sheet":"Budget Worksheet","index":0,"n_rows":178,"n_cols":11,"rows_kept":178,"merged":[[0,1,0,2],[1,2,1,5],[2,2,2,5],[5,2,5,5],[7,2,7,5],[9,2,9,5],[10,2,10,5],[20,0,20,1],[21,1,21,3],[23,4,41,4],[42,1,42,2],[44,4,60,4],[62,4,71,4],[73,4,81,4],[83,4,95,4],[97,4,108,4],[110,4,116,4],[118,4,134,4],[151,1,151,3],[151,4,152,4],[151,5,152,5],[152,1,152,3],[153,1,154,5]]}
[null,"DEBTFIX BUDGET | INCOME AND OUTGOINGS",null,"Denotes input fields"]
[null,"Date:"]
[null,"Name:"]
[null,"Address:"]
[null,"Telephone Number:",{"$nulls":7},"Select Frequency","-"]
[null,"Email Address:",{"$nulls":7},"Annually",1]
[null,"Which bank(s) do you have an account at?",{"$nulls":7},"Fortnightly",26]
[null,"How many children under the age of 18 do you have?",{"$nulls":7},"Monthly",12]
[null,"What are their ages?",{"$nulls":7},"Weekly",52]
[null,"Are you a student or do you financially support a student?"]
[null,"Number of adults included in your budget ?"]
[null,"Do you have any savings or investments of any sort?","Type","Description","Held with","Value $"]
[null,"  (eg Crypto, term deposits, bonds, shares, etc)"]
[]
[]
[null,"Do you have any physical assets?","Type","Address / Make / Model","Description / Age / Year","Value $"]
[null," (eg. House, car, valuables over $5k, or such like, etc)"]
[]
[]
[]
[]
[null,"PLEASE USE THE DROP DOWNS UNDER \"FREQUENCY\" TO CONFIRM HOW OFTEN YOU MAKE PAYMENTS",null,null,"SELECT FREQUENCY","Weekly"]
[null,"Income","Amount $  ","Frequency","Any Comments ",{"$f":"SUM(F24:F42)","v":0}]
[null,"Your salary or wage - net amount after deductions",null,"Select Frequency",null,{"$f":"IFERROR(IF(D24=$J$5,$K$5,C24*VLOOKUP(D24,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Partner's salary or wage - net amount after deductions",null,"Select Frequency",null,{"$f":"IFERROR(IF(D25=$J$5,$K$5,C25*VLOOKUP(D25,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Benefit",null,"Select Frequency",null,"-"]
[null,"Working for families payments",null,"Select Frequency",null,"-"]
[null,"Superannuation / pension",null,"Select Frequency",null,"-"]
[null,"Child Support received",null,"Select Frequency",null,"-"]
[null,"Boarder / Rental income",null,"Select Frequency",null,"-"]
[null,"Student allowance",null,"Select Frequency",null,"-"]
[null,"Accommodation supplement",null,"Select Frequency",null,"-"]
[null,"Disability Allowance",null,"Select Frequency",null,"-"]
[null,"Temporary Additional Support",null,"Select Frequency",null,"-"]
[null,"Family Tax Credit",null,"Select Frequency",null,"-"]
[null,"Best Start",null,"Select Frequency",null,"-"]
[null,"Minimum Family Tax Credit",null,"Select Frequency",null,"-"]
[null,"Other - detail below"]
[{"$nulls":3},"Select Frequency",null,"-"]
[{"$nulls":3},"Select Frequency",null,"-"]
[{"$nulls":3},"Select Frequency",null,"-"]
[{"$nulls":3},"Select Frequency",null,"-"]
[null,"Outgoings",{"$nulls":3},{"$f":"+F44+F62+F73+F83+F97+F110+F118+F136","v":0}]
[null,"Household Costs","Amount $","Frequency","Any Comments",{"$f":"SUM(F45:F61)","v":0}]
[null,"Rent",null,"Select Frequency",null,{"$f":"IFERROR(IF(D45=$J$5,$K$5,C45*VLOOKUP(D45,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Mortgage",null,"Select Frequency",null,"-"]
[null,"Household Gas (not petrol)",null,"Select Frequency",null,"-"]
[null,"Electricity",null,"Select Frequency",null,"-"]
[null,"Water",null,"Select Frequency",null,"-"]
[null,"Phone / Mobile",null,"Select Frequency",null,"-"]
[null,"Internet",null,"Select Frequency",null,"-"]
[null,"Netflix / Sky / etc",null,"Select Frequency",null,"-"]
[null,"Spotify / Apple Music / etc",null,"Select Frequency",null,"-"]
[null,"House and contents insurance",null,"Select Frequency",null,"-"]
[null,"Council rates",null,"Select Frequency",null,"-"]
[null,"House repairs & maintenance",null,"Select Frequency",null,"-"]
[null,"Other - detail below"]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D58=$J$5,$K$5,C58*VLOOKUP(D58,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D59=$J$5,$K$5,C59*VLOOKUP(D59,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D60=$J$5,$K$5,C60*VLOOKUP(D60,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D61=$J$5,$K$5,C61*VLOOKUP(D61,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Insurance and other"," Amount $ ","Frequency","Any Comments",{"$f":"SUM(F63:F72)","v":0}]
[null,"Life insurance",null,"Select Frequency",null,{"$f":"IFERROR(IF(D63=$J$5,$K$5,C63*VLOOKUP(D63,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Health insurance",null,"Select Frequency",null,{"$f":"IFERROR(IF(D64=$J$5,$K$5,C64*VLOOKUP(D64,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Income protection insurance",null,"Select Frequency",null,{"$f":"IFERROR(IF(D65=$J$5,$K$5,C65*VLOOKUP(D65,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Savings",null,"Select Frequency",null,{"$f":"IFERROR(IF(D66=$J$5,$K$5,C66*VLOOKUP(D66,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Bank fees and charges",null,"Select Frequency",null,{"$f":"IFERROR(IF(D67=$J$5,$K$5,C67*VLOOKUP(D67,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Other - detail below"]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D69=$J$5,$K$5,C69*VLOOKUP(D69,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D70=$J$5,$K$5,C70*VLOOKUP(D70,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D71=$J$5,$K$5,C71*VLOOKUP(D71,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D72=$J$5,$K$5,C72*VLOOKUP(D72,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Food & Groceries"," Amount $ ","Frequency","Any Comments",{"$f":"SUM(F74:F82)","v":0}]
[null,"Groceries  ",null,"Select Frequency",null,{"$f":"IFERROR(IF(D74=$J$5,$K$5,C74*VLOOKUP(D74,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Takeouts",null,"Select Frequency",null,{"$f":"IFERROR(IF(D75=$J$5,$K$5,C75*VLOOKUP(D75,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Alcohol",null,"Select Frequency",null,{"$f":"IFERROR(IF(D76=$J$5,$K$5,C76*VLOOKUP(D76,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Smokes / Vapes",null,"Select Frequency",null,{"$f":"IFERROR(IF(D77=$J$5,$K$5,C77*VLOOKUP(D77,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Other - detail below"]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D79=$J$5,$K$5,C79*VLOOKUP(D79,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D80=$J$5,$K$5,C80*VLOOKUP(D80,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D81=$J$5,$K$5,C81*VLOOKUP(D81,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D82=$J$5,$K$5,C82*VLOOKUP(D82,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Transport and Travel"," Amount $ ","Frequency","Any Comments",{"$f":"SUM(F84:F96)","v":0}]
[null,"Bus / train / taxi fares",null,"Select Frequency",null,{"$f":"IFERROR(IF(D84=$J$5,$K$5,C84*VLOOKUP(D84,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Vehicle registration",null,"Select Frequency",null,"-"]
[null,"Road User Charges",null,"Select Frequency",null,"-"]
[null,"Petrol / Diesel",null,"Select Frequency",null,"-"]
[null,"Car insurance",null,"Select Frequency",null,"-"]
[null,"Maintenance / servicing",null,"Select Frequency",null,"-"]
[null,"WOF",null,"Select Frequency",null,"-"]
[null,"Holidays / flights",null,"Select Frequency",null,"-"]
[null,"Other -detail below"]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D93=$J$5,$K$5,C93*VLOOKUP(D93,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D94=$J$5,$K$5,C94*VLOOKUP(D94,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D95=$J$5,$K$5,C95*VLOOKUP(D95,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D96=$J$5,$K$5,C96*VLOOKUP(D96,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Children"," Amount $ ","Frequency","Any Comments",{"$f":"SUM(F98:F109)","v":0}]
[null,"Maintenance / child support",null,"Select Frequency",null,{"$f":"IFERROR(IF(D98=$J$5,$K$5,C98*VLOOKUP(D98,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Childcare - daycare and after school",null,"Select Frequency",null,"-"]
[null,"School fees and donations",null,"Select Frequency",null,"-"]
[null,"School uniforms",null,"Select Frequency",null,"-"]
[null,"School activities",null,"Select Frequency",null,"-"]
[null,"Pocket money",null,"Select Frequency",null,"-"]
[null,"Savings plan",null,"Select Frequency",null,"-"]
[null,"Other - detail below"]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D106=$J$5,$K$5,C106*VLOOKUP(D106,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D107=$J$5,$K$5,C107*VLOOKUP(D107,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D108=$J$5,$K$5,C108*VLOOKUP(D108,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D109=$J$5,$K$5,C109*VLOOKUP(D109,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Student"," Amount $ ","Frequency","Any Comments",{"$f":"SUM(F111:F117)","v":0}]
[null,"Tuition fees",null,"Select Frequency",null,{"$f":"IFERROR(IF(D111=$J$5,$K$5,C111*VLOOKUP(D111,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Student loan (not deducted from wages)",null,"Select Frequency",null,{"$f":"IFERROR(IF(D112=$J$5,$K$5,C112*VLOOKUP(D112,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Other - detail below"]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D114=$J$5,$K$5,C114*VLOOKUP(D114,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D115=$J$5,$K$5,C115*VLOOKUP(D115,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D116=$J$5,$K$5,C116*VLOOKUP(D116,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D117=$J$5,$K$5,C117*VLOOKUP(D117,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Other Outgoings"," Amount $ ","Frequency","Any Comments",{"$f":"SUM(F119:F135)","v":0}]
[null,"Charitable donations / church / tithing",null,"Select Frequency",null,{"$f":"IFERROR(IF(D119=$J$5,$K$5,C119*VLOOKUP(D119,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Clothing / Footwear",null,"Select Frequency",null,"-"]
[null,"Dentists",null,"Select Frequency",null,"-"]
[null,"Doctors & prescriptions",null,"Select Frequency",null,"-"]
[null,"Family support - money",null,"Select Frequency",null,"-"]
[null,"Gifts",null,"Select Frequency",null,"-"]
[null,"Hairdressing",null,"Select Frequency",null,"-"]
[null,"Lottery",null,"Select Frequency",null,"-"]
[null,"Opticians",null,"Select Frequency",null,"-"]
[null,"Personal cash / emergencies",null,"Select Frequency",null,"-"]
[null,"Pets",null,"Select Frequency",null,"-"]
[null,"Sports activities / gym membership",null,"Select Frequency",null,"-"]
[null,"Other - detail below"]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D132=$J$5,$K$5,C132*VLOOKUP(D132,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D133=$J$5,$K$5,C133*VLOOKUP(D133,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D134=$J$5,$K$5,C134*VLOOKUP(D134,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[{"$nulls":3},"Select Frequency",null,{"$f":"IFERROR(IF(D135=$J$5,$K$5,C135*VLOOKUP(D135,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Debt Repayments"," Amount $ ","Frequency","Any Comments",{"$f":"SUM(F137:F151)","v":0}]
[null,"Insert Name of Creditor 1",null,"Select Frequency",null,{"$f":"IFERROR(IF(D137=$J$5,$K$5,C137*VLOOKUP(D137,$J$6:$K$9,2,FALSE)/VLOOKUP($F$22,$J$6:$K$9,2)),0)","v":"-"}]
[null,"Insert Name of Creditor 2",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 3",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 4",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 5",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 6",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 7",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 8",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 9",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 10",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 11",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 12",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 13",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 14",null,"Select Frequency",null,"-"]
[null,"Insert Name of Creditor 15",null,"Select Frequency",null,"-"]
[null,"Net Surplus / (Deficit)",null,null,{"$f":"F22","v":"Weekly"},{"$f":"+F23-F43","v":{"v":0,"d":"0.00"}}]
[null,{"$f":"IF(F152>=0,\"Congratulations! Your budget is in surplus.\",\"You are spending more than you earn.\")","v":"Congratulations! Your budget is in surplus."}]
[null,"DEBT LIST"]
[]
[null,"Creditor Name"," Amount Owing ","Amount in Arrears","Whose Debt\r\n(Yours / Partners / Joint)"," Security (If Any) "]
[null,{"$f":"+B137","v":"Insert Name of Creditor 1"}]
[null,{"$f":"+B138","v":"Insert Name of Creditor 2"}]
[null,"Insert Name of Creditor 3"]
[null,"Insert Name of Creditor 4"]
[null,"Insert Name of Creditor 5"]
[null,"Insert Name of Creditor 6"]
[null,"Insert Name of Creditor 7"]
[null,"Insert Name of Creditor 8"]
[null,"Insert Name of Creditor 9"]
[null,"Insert Name of Creditor 10"]
[null,"Insert Name of Creditor 11"]
[null,"Insert Name of Creditor 12"]
[null,"Insert Name of Creditor 13"]
[null,"Insert Name of Creditor 14"]
[null,"Insert Name of Creditor 15"]
[null,"If no regular repayments, add further creditor details below"]
[null,"1)"]
[null,"2)"]
[null,"3)"]
[null,"4)"]
[null,"5)"]
[null,"TOTAL DEBTS",{"$f":"SUM(C157:C177)","v":0},{"$f":"SUM(D157:D177)","v":0}]