{"text_format":"3","workbook":"xlsx","n_sheets":3,"sheets":["Input","Handout","Definitions"],"not_rendered":{"images":1},"read":"whole","date_system":"1900"}

{"sheet":"Input","index":0,"n_rows":59,"n_cols":5,"rows_kept":59,"merged":[[0,0,5,4],[6,1,6,4],[60,1,62,4]]}
[]
[]
[]
[]
[]
[]
[null,"Expense Estimation Spreadsheet"]
[]
[null,"Home Expenses","Monthly","Annual","Total"]
[null,"Mortgage or Rent",null,{"$f":"C10*12","v":0},{"$f":"D10","v":0}]
[null,"Second Home Mortgage",null,{"$f":"C11*12","v":0},{"$f":"D11","v":0}]
[null,"Real Estate Taxes",null,0,0]
[null,"Homeowner's Insurance",null,0,0]
[null,"Electricity",null,0,0]
[null,"Gas",null,0,0]
[null,"Water/Sewer",null,0,0]
[null,"Telephone",null,0,0]
[null,"Cell Phone",null,{"$f":"C18*12","v":0},{"$f":"D18","v":0}]
[null,"Lawn Care",null,0,0]
[null,"Trash Pick-up",null,0,0]
[null,"Cable/Internet",null,0,0]
[null,"Home Repairs/Maintenance",null,0,0]
[null,"Furniture",null,0,0]
[null,"Home Improvements",null,0,0]
[null,"Security System",null,0,0]
[null,"Household Items",null,{"$f":"C26*12","v":0},{"$f":"D26","v":0}]
[null,"Other Home Expenses",null,0,0]
[]
[null,"Auto Expenses"]
[null,"Auto Lease/Payment",null,0,0]
[null,"Gas/Oil for cars",null,0,0]
[null,"Auto Repairs",null,0,0]
[null,"Personal Property Tax",null,0,0]
[null,"Auto Insurance",null,0,0]
[]
[null,"Other Expenses"]
[null,"Food",null,0,0]
[null,"Clothing",null,0,0]
[null,"Child Allowances/Expenses",null,0,0]
[null,"Personal Care",null,0,0]
[null,"Entertainment/Dining",null,0,0]
[null,"Recreation/Travel",null,0,0]
[null,"Club/Association Dues",null,0,0]
[null,"Gifts",null,0,0]
[null,"Charitable Donations",null,0,0]
[null,"Unreimbursed Medical/Dental Expenses",null,{"$f":"C46*12","v":0},{"$f":"D46","v":0}]
[null,"Healthcare Premiums",null,{"$f":"C47*12","v":0},{"$f":"D47","v":0}]
[null,"Childcare",null,0,0]
[null,"Pet Care",null,0,0]
[null,"Hobbies",null,0,0]
[null,"Debt Payments",null,0,0]
[null,"Miscellaneous Cash",null,0,0]
[null,"Umbrella Insurance Premium",null,0,0]
[null,"Disability Insurance Premiums",null,0,0]
[null,"Life Insurance Premiums",null,0,0]
[null,"Long-Term Care Insurance Premiums",null,0,0]
[null,"Other",null,0,0]
[]
[null,"Total Annual Expenses ",{"$f":"SUM(C10:C58)","v":0},0,{"$f":"SUM(E10:E58)","v":0}]

{"sheet":"Handout","index":1,"n_rows":59,"n_cols":5,"rows_kept":59,"merged":[[0,0,5,4],[6,1,6,4],[60,1,62,4]]}
[]
[]
[]
[]
[]
[]
[null,"Expense Estimation Spreadsheet"]
[]
[null,"Home Expenses","Monthly","Annual","Total"]
[null,"Mortgage or Rent"]
[null,"Second Home Mortgage"]
[null,"Real Estate Taxes"]
[null,"Homeowner's Insurance"]
[null,"Electricity"]
[null,"Gas"]
[null,"Water/Sewer"]
[null,"Telephone"]
[null,"Cell Phone"]
[null,"Lawn Care"]
[null,"Trash Pick-up"]
[null,"Cable/Internet"]
[null,"Home Repairs/Maintenance"]
[null,"Furniture"]
[null,"Home Improvements"]
[null,"Security System"]
[null,"Household Items"]
[null,"Other Home Expenses"]
[]
[null,"Auto Expenses"]
[null,"Auto Lease/Payment"]
[null,"Gas/Oil for cars"]
[null,"Auto Repairs"]
[null,"Personal Property Tax"]
[null,"Auto Insurance"]
[]
[null,"Other Expenses"]
[null,"Food"]
[null,"Clothing"]
[null,"Child Allowances/Expenses"]
[null,"Personal Care"]
[null,"Entertainment/Dining"]
[null,"Recreation/Travel"]
[null,"Club/Association Dues"]
[null,"Gifts"]
[null,"Charitable Donations"]
[null,"Unreimbursed Medical/Dental Expenses"]
[null,"Healthcare Premiums"]
[null,"Childcare"]
[null,"Pet Care"]
[null,"Hobbies"]
[null,"Debt Payments"]
[null,"Miscellaneous Cash"]
[null,"Umbrella Insurance Premium"]
[null,"Disability Insurance Premiums"]
[null,"Life Insurance Premiums"]
[null,"Long-Term Care Insurance Premiums"]
[null,"Other"]
[]
[null,"Total Annual Expenses "]

{"sheet":"Definitions","index":2,"n_rows":55,"n_cols":3,"rows_kept":55}
["Personal Category",null,"Business"]
["Income","Description","Income"]
["Salary/Wages","W2 income","Gross Receipts by Business line"]
["Business Profit Distributions","Pass through entity cash distributions","Returns and allowances (if not credited to expense account)"]
["Capital Gains/One Time Income","Non recurring items","Other Income"]
["Dividends/Interest","Dividends interest "]
["Rental Property Cash Distributions","Net cash distributions from properties"]
["Pensions/ IRA/Annuity/Social Security","Retirement income sources","Cost of Goods Sold"]
["Other Income","Other","Purchases"]
[null,null,"Cost of Labor"]
[null,null,"Materials and Supplies"]
[null,null,"Other COGS"]
[]
[]
["Expenses","Description","Expenses"]
["Housing","Mortgage, Rent, maintenance & repairs, insurance, property taxes","Accounting"]
["Utilities","Natural gas, electricity, water & sewage, land line & cell phone, cable and internet","Advertising"]
["Food","Groceries, dining out","Bad debts from sales or service"]
["Medical","health, vision and dental premiums, co-pay, drugs, eyeglasses and contacts","Bank charges"]
["Charity","Charitable contributions","Car and truck expenses (not entered elsewhere)"]
["Clothing","Shoes and shoe repair, clothing and dry cleaning","Commissions"]
["Gifts","Gifts for friends and family","Contract labor"]
["Save/Invest","Amounts put away for savings and investment","Delivery and freight"]
["Insurance","Life and other non medical, housing or auto","Dues and Subscriptions"]
["Recreation/Entertainment","including vacations","Employee benefit programs"]
["Transportation","auto payments, gas, repairs, insurance, property taxes","Insurance (other than health)"]
["Education","Elementary, High school, college and other educational costs","Mortgage interest (paid to banks, etc.)"]
["Personal","Personal services, salons, hair care products, personal hygiene and laundry supplies","Other interest (not entered elsewhere)"]
["Consumer Debt","Student loans, installment agreements, personal loans","Janitorial"]
["Taxes","Income and other non housing or auto taxes","Laundry and cleaning"]
["Other Expenses","Other","Legal and professional"]
[null,null,"Miscellaneous"]
[null,null,"Office expense"]
[null,null,"Outside services"]
[null,null,"Parking and tolls"]
[null,null,"Pension and profit sharing plans - contributions"]
[null,null,"Pension and profit sharing plans - admin. and education costs"]
[null,null,"Postage"]
[null,null,"Printing"]
[null,null,"Rent - vehicles, machinery, & equipment (not entered elsewhere)"]
[null,null,"Rent - other"]
[null,null,"Repairs"]
[null,null,"Security"]
[null,null,"Supplies"]
[null,null,"Taxes - real estate"]
[null,null,"Taxes - payroll "]
[null,null,"Taxes - sales tax included in gross receipts"]
[null,null,"Taxes - other (not entered elsewhere)"]
[null,null,"Telephone"]
[null,null,"Tools"]
[null,null,"Travel"]
[null,null,"Total meals and entertainment in full (50%)"]
[null,null,"Uniforms"]
[null,null,"Utilities"]
[null,null,"Wages"]