{"text_format":"1","workbook":"xlsx","n_sheets":13,"sheets":["Cover Page","Draft Night","Net Worth","Starting Line","Personal Fouls","Bench Warmer","Trick Plays","Game Plan","Assists","Debt Blitz ","Recovery Worksheet","Game Time","Stats"],"not_rendered":{"charts":0,"images":9,"macros":1,"external_links":0,"defined_names":15,"comments":2,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Cover Page","index":0,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[[3,3,3,6],[5,3,5,6],[6,3,6,6]]}
[]
[null,"IMPORTANT: Enable Macros to get the full functionality of this worksheet."]
[null,"Remember to save this worksheet to your hard drive to keep your changes."]
[null,null,null,"Cash Flow Planning Tools"]
[]
[null,null,null,"To return to this page click the GTB logo at the top of each worksheet"]
[null,null,null,"Select Your Desired Form Below"]
[]
[null,"Draft Night",null,"Bench Warmer",null,"Debt Blitz"]
[]
[null,"Net worth",null,"Trick Plays",null,"Recovery Worksheet"]
[]
[null,"Starting Line",null,"Game Plan",null,"Game Time"]
[]
[null,"Personal Fouls",null,"Assists",null,"Stats"]

{"sheet":"Draft Night","index":1,"n_rows":35,"n_cols":9,"rows_kept":35,"cut":false,"hidden":false,"merged":[[8,10,9,14],[0,1,0,5]]}
[null,"                                              Draft Night \nWhen players are drafted, they receive a certain amount of money as compensation for the service they provide.  This form represents a snapshot of your \"monthly\" income plus cash on hand.  Fill in the appropriate amounts using a recent check stub and bank account statements."]
[]
[null,"INCOME",null,null,"CURRENT SAVINGS"]
[null,"Gross Monthly Income ",null,null,"Account #1 Balance (his)"," "]
[null,"Alimony",null,null,"Account #2 Balance (hers)"]
[null,"Child Support",null,null,"Account #3 Balance (joint)"]
[null,"Other"]
[null,null,null,null,"Total Savings",{"$f":"SUM(F4:F7)","v":0}]
[null,null," ",null,null,null,null,null," "]
[null,null," ",null,"CURRENT CHECKING"]
[null,"Total Gross Income",{"$f":"SUM(C4:C10)","v":0},null,"Account #1 Balance (his)"]
[null,null,null,null,"Account #2 Balance (hers)"]
[null,"BEFORE TAX DEDUCTIONS",null,null,"Account #3 Balance (joint)",null,null,null," "]
[null,"Dental Plan"]
[null,"Healthcare Reimbursement",null,null," "]
[null,"Medical Plan",null,null," "]
[null,"Retirement Savings Plans",null,null,"Total Checking",{"$f":"SUM(F11:F16)","v":0}]
[null,"Total Deductions",{"$f":"SUM(C14:C17)","v":0}]
[]
[null,"AFTER TAX DEDUCTIONS"]
[]
[null,null," "]
[null,null," "]
[null,null," "]
[null,"Total Deductions",{"$f":"SUM(C21:C24)","v":0}]
[]
[null,"TAXES"]
[null,"Federal Taxes"]
[null,"State Taxes"]
[null,"Social Security (OASDI)"]
[null,"Medicare (MED/EE)"]
[null,"City Taxes"]
[null,"Total Taxes",{"$f":"SUM(C28:C32)","v":0}]
[]
[null,"NET PAY",{"$f":"SUM(C11-C18-C25-C33)","v":0}]

{"sheet":"Net Worth","index":2,"n_rows":46,"n_cols":8,"rows_kept":46,"cut":false,"hidden":false,"merged":[[1,1,1,7],[0,1,0,7],[37,1,37,7],[38,1,38,7],[39,1,39,7],[43,1,43,7],[3,1,3,7],[41,1,41,7],[45,1,45,7],[47,1,47,7],[46,1,46,7],[42,1,42,7]]}
[null,"Net Worth Calculation"]
[null,"This worksheet will help you calculate your net worth.  Net Worth is determined by subtracting your Liabilities (what you owe) from your Assets (what you own).  Enter the current value (how much something is worth today) in the appropriate column.  Amounts listed in the \"Debt Owed\" column should be the payoff balance for that respective line item."]
[]
[null,"ASSETS"]
[null,"Item/Description",null,"Current Value","-","Debt Owed","=","Equity "]
[null,"Home #1",null,0,null,0,null,{"$f":"SUM(D6-F6)","v":0}]
[null,"Home #2",null,0,null,0,null,{"$f":"SUM(D7-F7)","v":0}]
[null,"Car #1",null,0,null,0,null,{"$f":"SUM(D8-F8)","v":0}]
[null,"Car #2",null,0,null,0,null,0]
[null,"Cash",null,0,null,0,null,0]
[null,"Checking #1",null,0,null,0,null,0]
[null,"Checking #2",null,0,null,0,null,0]
[null,"Savings",null,0,null,0,null,0]
[null,"Brokerage Account",null,0,null,0,null,0]
[null,"Retirement Plan #1",null,0,null,0,null,0]
[null,"Retirement Plan #2",null,0,null,0,null,0]
[null,"Other:",null,0,null,0,null,0]
[null,"Other:",null,0,null,0,null,0]
[null,"Other: ",null,0,null,0,null,0]
[null,"Other:",null,0,null,0,null,0]
[null,null,null,null,null,"Total Assets",null,{"$f":"SUM(H6:H20)","v":0}]
[null,null,null,null,null,null,null,"sum \"Equity\" column"]
[null,"LIABILITIES"]
[null,null,null,null,null,"Debt Owed"]
[null,"Credit Card Debt",null,null,null,0]
[null,"School Loan",null,null,null,0]
[null,"Medical Bills",null,null,null,0]
[null,"Other:",null,null,null,0]
[null,"Other:",null,null,null,0]
[null,"Other:",null,null,null,0]
[null,null,null,null,null,"Total Liabilities",null,{"$f":"SUM(F25:F30)","v":0}]
[null,null,null,null,null,null,null,"sum \"Debt Owed\" column"]
[null,"NET WORTH"]
[null,"NET WORTH","=","TOTAL ASSETS","-","TOTAL LIABILITIES"]
[null,{"$f":"D35-F35","v":0},null,{"$f":"H21","v":0},null,{"$f":"H31","v":0}]
[]
[null,"Discussion Topics:"]
[null,"1.  Is your net worth what you thought it would be?  Explain"]
[]
[]
[]
[null,"2. How is net worth impacted after deducting your effective tax rate from pre-tax account balances "]
[null,"    (e.g., 401K)"]
[]
[]
[null,"3. What would your net worth be if you had no liabilities (DEBT FREE)?"]

{"sheet":"Starting Line","index":3,"n_rows":26,"n_cols":6,"rows_kept":26,"cut":false,"hidden":false,"merged":[[0,1,0,5],[4,12,4,16]]}
[null,"                                                 Starting Line\nIf you've ever seen a track meet, each runner has to begin his race at the starting line.  When organizing your personal finances, you have to start at the beginning.  The good thing about this race is that it's not over until you've won.  It doesn't matter how long it takes you to finish.  There also isn't any competition to worry about.  This worksheet shows monthly payments and due dates for all your bills.  For items that have a fluctuating monthly payment (e.g., water or electricity), please enter an average monthly payment amount and due date."]
[]
[null,"Debt",null,"Monthly Payment",null,"Due Date"]
[null,"First Mortgage"]
[null,"Second Mortgage",null,null,null," "]
[null,"Homeowner Association Fee"]
[null,"Car Payment #1"]
[null,"Car Payment #2"]
[null,"Car Payment #3"]
[null,"Auto Insurance"]
[null,"Student Loan #1"]
[null,"Student Loan #2"]
[null,"Electricity"]
[null,"Water"]
[null,"Gas"]
[null,"Bundle (phone, cable, internet)"]
[null,"Phone"]
[null,"Cable"]
[null,"Internet"]
[null,"Garbage & Recycling"]
[null,"Alarm"]
[null,"Health Insurance"]
[null,"Doctor Bills"]
[null,"Medications"]
[null,"Child Care"]
[null,"Health/Disability Insurance"]

{"sheet":"Personal Fouls","index":4,"n_rows":44,"n_cols":11,"rows_kept":44,"cut":false,"hidden":false,"merged":[[5,12,6,16],[2,7,3,10],[0,1,0,10]]}
[null,"                                                                          Personal Fouls\nIn basketball, personal fouls are called in basketball when one player displays unsportsmanlike behavior toward another.  Regarding your finances, the bad conduct is being performed by debt against you.  This worksheet summarizes your debt.  Enter the name of your creditor in the \"Financed by\" category.  After that, enter the appropriate interest rate, monthly payment and total payoff amount on that respective debt."]
[]
[null,null,null,null,null,null,null,"Your debt to income ratio represents the percentage of your net pay that's used to fund your debt payments.  "]
[null,"Mortgage","Financed by","Interest Rate (%)","Monthly Payment","Payoff Amount"]
[null,"First Mortgage",null,null,null,0,null,"Debt to Income Ratio:"]
[null,"Second Mortgage",null,null,null,0]
[null,null,null,null,null,0,null,"Monthly Net Pay:",null,null," "]
[null,"Total",null,null,{"$f":"SUM(E5:E7)","v":0},{"$f":"SUM(F5:F7)","v":0},null,"Total Monthly Debt:",null,null,{"$f":"E8+E15+E21+E34+E44","v":0}]
[null,null,null,null,null,null,null,"Debt to Income Ratio:",null,null,{"$f":"K8/K7","v":{"$error":"#VALUE!"}}]
[null,"Automobiles","Financed by","Interest Rate (%)","Monthly Payment","Payoff Amount"]
[null,"Car Payment #1",null,null,null,0,null,"How financially fit are you?"]
[null,"Car Payment #2",null,null,null,0]
[null,"Car Payment #3",null,null,null,0,null,"Less than 36% ",null,null,"Manageable"]
[null,null,null,null,null,0,null,"37 - 42%",null,null,"Borderline"]
[null,"Total",null,null,{"$f":"SUM(E11:E14)","v":0},{"$f":"SUM(F11:F14)","v":0},null,"43 - 49%",null,null,"At Risk"]
[null,null,null,null,null,null,null,"50% or Higher",null,null,"Get help NOW!"]
[null,"School Loans","Lender","Interest Rate (%)","Monthly Payment","Payoff Amount"]
[null,"Student Loan #1",null,null,null,0]
[null,"Student Loan #2",null,null,null,0]
[null,null,null,null,null,0]
[null,"Total",null,null,{"$f":"SUM(E18:E20)","v":0},{"$f":"SUM(F18:F20)","v":0}]
[]
[null,"Credit Cards","Lender","Interest Rate (%)","Monthly Payment","Payoff Amount"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Total",null,null,{"$f":"SUM(E24:E33)","v":0},{"$f":"SUM(F24:F33)","v":0}]
[]
[null,"Other","Lender","Interest Rate (%)","Monthly Payment","Payoff Amount"]
[]
[]
[]
[]
[]
[]
[]
[null,"Total",null,null,{"$f":"SUM(E37:E43)","v":0},{"$f":"SUM(F37:F43)","v":0}]

{"sheet":"Bench Warmer","index":5,"n_rows":37,"n_cols":4,"rows_kept":37,"cut":false,"hidden":false,"merged":[[0,1,0,3],[36,1,36,2],[3,1,3,2],[33,1,33,2],[34,1,34,2],[35,1,35,2],[1,1,1,3]]}
[null,"Bench Warmer"]
[null,"Bench warmers or second string players are placed on a team to be used as reserves.  This form is designed to show exactly how much money you need in \"reserve\" to survive each month, especially in the case of an interruption of income.  This is a starting point on your road to having 3 to 9 months of expenses in reserve.  For each category, enter the average amount spent per month."]
[]
[null,"EXPENSES",null,"Monthly Total"]
[null,"Housing","1st Mortgage"]
[null,null,"2nd Mortgage"]
[null,null,"Rent"]
[]
[]
[null,"Utilities","Electricity"]
[null,null,"Water"]
[null,null,"Gas"]
[null,null,"Phone"]
[null,null,"Garbage and Recycling"]
[]
[null,"Neccesities","Food"]
[]
[]
[null,"Transportation","Car Payment #1"]
[null,null,"Car Payment #2"]
[null,null,"Gas & Oil"]
[null,null,"Insurance #1"]
[null,null,"Insurance #2"]
[]
[]
[]
[null,"Personal","Disability Ins."]
[null,null,"Health Ins."]
[null,null,"Life Ins."]
[null,null,"Child care"]
[]
[]
[]
[null,"Total Monthly Necessities",null,{"$f":"SUM(D5:D33)","v":0}]
[null,"3 months of living expenses",null,{"$f":"SUM(D34*3)","v":0}]
[null,"6 months of living expenses",null,{"$f":"SUM(D34*6)","v":0}]
[null,"9 months of living expenses",null,{"$f":"SUM(D34*9)","v":0}]

{"sheet":"Trick Plays","index":6,"n_rows":29,"n_cols":7,"rows_kept":29,"cut":false,"hidden":false,"merged":[[0,2,0,6]]}
[null,null,"                                                           Trick Plays!  \nDuring a game, some teams implement trick plays to catch their opponent off guard.  Some of your bills occur once every three months (e.g., insurance) or maybe twice a year (e.g., real estate taxes).  Unfortunately, these bills tend to sneak up on you at the worst possible moment.  These items should be annualized and converted to monthly budget line items.  By doing this, the money can be saved each month and prevent you from blowing your budget by being caught off guard.  Enter the annual cost for the applicable items in the \"Annual Amount\" column.   To determine the monthly budget expense, simply divide the annual cost by 12."]
[]
[null,null,"ITEM",null,"ANNUAL AMOUNT",null,"MONTHLY AMOUNT"]
[null,null,"Real Estate Taxes",null,null,"/ 12 = ",{"$f":"SUM(E4/12)","v":0}]
[null,null,"Homeowner's Insurance",null,null,"/ 12 = ",{"$f":"SUM(E5/12)","v":0}]
[null,null,"Garbage & Recycling",null,null,"/ 12 = ",0]
[null,null,"Auto Insurance",null,null,"/ 12 = ",0]
[null,null,"Auto Replacement",null,null,"/ 12 = ",0]
[null,null,"Auto Repairs",null,null,"/ 12 = ",0]
[null,null,"Life Insurance",null,null,"/ 12 = ",0]
[null,null,"Appliance Replacement",null,null,"/ 12 = ",0]
[null,null,"Disability Insurance",null,null,"/ 12 = ",0]
[null,null,"Dental Work",null,null,"/ 12 = ",0]
[null,null,"Medical Bills",null,null,"/ 12 = ",0]
[null,null,"IRS (Self Employed)",null,null,"/ 12 = ",0]
[null,null,"Tuition",null,null,"/ 12 = ",0]
[null,null,"Vacation",null,null,"/ 12= ",0]
[null,null,"Gifts (Christmas Included)",null,null,"/ 12 = ",0]
[null,null,"Homeowner's Assocation Fees",null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]
[null,null,null,null,null,"/ 12= ",0]

{"sheet":"Game Plan","index":7,"n_rows":45,"n_cols":15,"rows_kept":45,"cut":false,"hidden":false,"merged":[[0,0,0,12],[18,3,19,5]]}
["                                                                         Game Plan\nAnyone who earns an income and  incurs expenses must have a \"Game Plan\" or \"Cash Flow Plan.\"  Every dollar you earn should have a purpose and should be spent using this form.  When you deduct your expenses from your income, the amount remaining  should be zero.  If your balance does not equal zero, that means you have not spent all your income on paper, as required, when doing a cash flow plan.  If you have trouble deciding what to do with the extra money, consider allocating more money toward paying down debt, saving, or giving.  \n\nYour \"Cash Flow Planning\" can be broken down into various categories.  Some of which may include:  Giving, Saving, Housing, Utilities, Food, Transportation, Recreation, Medical, Personal, and Debt.  \n"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1)    Enter the total amount of take-home pay for your household beside \"Total Household Income\" at the bottom of the Game Plan worksheet."]
[null,null,null,"Category Total",null,"% of Take Home Pay",null,null,null,null,"Category Total",null,"% of Take Home Pay",null,"2)    Within each category (Charitable Giving, Housing, etc.), enter the amount of money spent for that respective item during a month."]
["CHARITABLE GIVING",0,null,{"$f":"SUM(B4)","v":0},null,{"$f":"(D4/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"MEDICAL",null,null,null,null,null,null,"3)    Continue this process for all the categories you use within a month. This worksheet is a little lengthy.  It was designed this way so you wouldn't forget something important.  Depending on your household's expenses, you may not have to enter a dollar value for every line item."]
["SAVING",null,null,null,null,null,null,"Health Insurance",0,null,"Input Insurance payments",null,null,null,"4)    The “Category Total” column is used to sum the expenses within a particular category.  When using the electronic worksheets, these calculations are done automatically.  As an example, when you add all your individual utilities, the result should go in the box under the “Category Total” column which corresponds with the “Utilities” section.  Enter the respective totals in the \"Category Total\" column."]
["Emergency Fund",0,null,null,null,null,null,"Disability Insurance",0,null,"if not automatically  drafted"]
["Retirement Fund",0,null,null,null,null,null,"Life Insurance",0,null,"from paycheck.",null,null,null,"Now that all your expenses for the month have been captured and summed in the Category Total columns, it's time to determine what percentage of your take-home pay each category represents.  To do this, simply divide your total for a particular category by your \"Total Household Income\" and multiply by 100.  This number represents how much of your take-home pay is allocated toward a specific category expressed as a percentage.  For example, let's suppose your housing expense for the month is $300 and your total household income is $1,000.  Your housing as a percent of take home pay would be 30%. You would calculate your percent of take- home pay like this:  ($300/$1,000) x 100 = 30%.   "]
["College Fund",0,null,{"$f":"SUM(B6:B8)","v":0},null,{"$f":"(D8/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"Doctor Bills",0]
["HOUSING",null,null,null,null,null,null,"Dentist",0,null,null,null,null,null,"You can compare your percent of take-home pay amounts to the recommended percentages listed on your Assists form."]
["Mortgage Payment",0,null," ",null,null,null,"Eye Doctor",0]
["Homeowner Assoc. Fee",0,null,null,null,null,null,"Medications",0,null,{"$f":"SUM(I5:I11)","v":0},null,{"$f":"SUM(K11/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"·        If there is an asterisk (*) beside an item, consider using the envelope system.            "]
["Homeowner's Insurance",0,null," ",null,null,null,"PERSONAL",null,null,null,null,null,null,"·        Remember to include items captured on your Trick Plays form."]
["Repairs or Maintenenac Fee",0,null,null,null,null,null,"Salon/Barber",0,null,null,null,null,null,"·        “Grand Total” represents the sum of all category totals."]
["Real Estate Taxes",0,null,{"$f":"SUM(B10:B14)","v":0},null,{"$f":"(D14/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"Child Care",0,null,null,null,null,null,"·        “Balance” is determined by subtracting “Total Household Income” from “Grand Total.”"]
["UTILITIES",null,null,null,null,null,null,"Personal Care",0]
["Electricity",0,null," ",null,null,null,"Tuition",0]
["Water",0,null,"  ",null,null,null,"School Supplies",0]
["Gas",0,null,null,null,null,null,"Child Support",0]
["Bundle:  Phone/cable/Internet",0,null,"If you bundle skip the next three cells",null,null,null,"Alimony",0]
["Phone",0,null,null,null,null,null,"Subscriptions",0]
["Cable",0,null,null,null,null,null,"Gifts",0]
["Internet",0,null,null,null,null,null,"Club Dues",0]
["Garbage and Recycling",0,null,null,null,null,null,"Misc. Spending",0]
["Alarm",0,null,{"$f":"SUM(B16:B24)","v":0},null,{"$f":"SUM(D24/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"Dry Cleaning",0]
["FOOD",null,null,null,null,null,null,"Clothing",0]
["* Groceries & Home Goods",0,null,null,null,null,null,"Christmas Saving",0,null,{"$f":"SUM(I13:I26)","v":0},null,{"$f":"SUM(K26/$K$44)*100","v":{"$error":"#DIV/0!"}}]
["* Dining Out",0,null,{"$f":"SUM(B26:B27)","v":0},null,{"$f":"SUM(D27/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"DEBTS (Write in Type)"]
["TRANSPORTATION",null,null,null,null,null,null,"Credit Card",0]
["Car Payment #1",0,null,null,null,null,null,"Credit Card",0]
["Car Payment #2",0,null,null,null,null,null,"Credit Card",0]
["Car Payment #3",0,null,null,null,null,null,"Credit Card",0]
["* Gas & Oil",0,null,null,null,null,null,"Credit Card",0]
["Maintenance",0,null,null,null,null,null,"Credit Card",0]
["Insurance",0,null,null,null,null,null,"Credit Card",0]
["Tax and Tag",0,null,null,null,null,null,"School Loan #1",0]
["Public Transportation",0,null,{"$f":"SUM(B29:B36)","v":0},null,{"$f":"SUM(D36/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"School Loan #2",0]
["RECREATION",null,null,null,null,null,null,"Other",0]
["Gym/fitness",0,null,null,null,null,null,"Other",0]
["Vacation",0,null,null,null,null,null,"Other",0]
["* Entertainment",0,null,{"$f":"SUM(B38:B40)","v":0},null,{"$f":"SUM(D40/$K$44)*100","v":{"$error":"#DIV/0!"}},null,"Other",0,null,{"$f":"SUM(I28:I40)","v":0},null,{"$f":"SUM(K40/$K$44)*100","v":{"$error":"#DIV/0!"}}]
[null,"SUB-TOTAL",null,{"$f":"SUM(D4:D40)","v":0},null,null,null,null,"SUB-TOTAL",null,{"$f":"SUM(K4:K40)","v":0}]
[]
[null,null,null,null,null,null,null,"GRAND TOTAL",null,null,{"$f":"SUM(D41+K41)","v":0}]
[null,null,null,null,null,null,null,"TOTAL HOUSEHOLD INCOME",null,0,0,null,"input monthly  income here"]
[null,null,null,null,null,null,null,"BALANCE",null,null,{"$f":"SUM(K44-K43)","v":0}]

{"sheet":"Assists","index":8,"n_rows":15,"n_cols":7,"rows_kept":15,"cut":false,"hidden":false,"merged":[[0,1,0,6],[1,1,1,6]]}
[null,"Assists"]
[null,"Assists occur when one player helps another player score.  This form offers suggestions on how much of your \"net pay\" should be spent on certain expenses.  These are only recommendations and may not apply if you have an abnormal income (extremely high or extremely low).  For example, if you take home $10,000 a month, you should not spend $1,000 on food.  Depending on your current lifestyle, it may be necessary to adjust how your money is allocated to meet your financial goals."]
[]
[null,null,"Category",null,"Recommended %",null,"Actual %"]
[null,null,"Charitable Giving",null,"10 - 15%"]
[null,null,"Housing",null,"25 - 30%"]
[null,null,"Saving",null,"10 - 15%"]
[null,null,"Transportation",null,"10 - 15%"]
[null,null,"Utilities",null,"5 - 10%"]
[null,null,"Food",null,"5 - 15%"]
[null,null,"Clothing",null,"3 - 5%"]
[null,null,"Medical/Health",null,"5 - 10%"]
[null,null,"Personal",null,"5 - 10%"]
[null,null,"Recreation",null,"5 - 10%"]
[null,null,"Debts",null,"5 - 10%"]

{"sheet":"Debt Blitz ","index":9,"n_rows":25,"n_cols":5,"rows_kept":25,"cut":false,"hidden":false,"merged":[[0,1,0,5],[1,1,1,5]]}
[null,"                                                       Debt Blitz\n\n"]
[null,"In football, when the defense wants to put pressure on the quarterback in hopes of disrupting a play or causing a turnover, they run a blitz.  The Debt Blitz is the most crucial part of getting out of debt.  All it requires is a reasonable income, focused intensity, desire, and a plan.  In the worksheet below, list your debts (smallest to largest balance) along with related total payoff amounts and minimum payments.  The Debt Blitz philosophy requires you to pay the minimum balance on all your debt except the debt with the smallest balance.  The idea is to put as much money as possible toward the smallest debt, eliminating it in the shortest amount of time possible.  After paying off the smallest debt, move on to the next smallest debt.  Again, put as much money as possible toward this debt until it is paid in full.  Continue this trend until all your debt has been eliminated.  Depending on your income, debt, and intensity level, eliminating your debt can happen as fast or as slow as YOU decide.\n\nThe \"New Payment\" column represents the amount you were paying on the previous debt plus the current debt's minimum payment.  As you work through your Debt Blitz, the amounts you pay toward eliminating debt should start to increase.  The example below shows how money normally spent on a smaller debt is added to the next debt.  As you can see, over time, all of the minimum payments previously used to pay the smaller debts are included  in the payment for the largest debt.  These \"New Payment\" figures do not consider any additional funds allocated to pay off debt via the Game Plan worksheet.\n"]
[null,"Example"]
[null,"Debt","Total Payoff Amount","Minimum Payment","New Payment"]
[null,"MasterCard",100,10]
[null,"Visa",150,15,25]
[null,"Discover",500,50,75]
[null,"Chase",1000,100,175]
[null,"Capital One",1500,150,325]
[]
[null,"Your Debt Blitz"]
[null,"Debt","Total Payoff Amount","Minimum Payment","New Payment"]
[null,null,null," "]
[null,null,null," ",{"$f":"D13+D14","v":{"$error":"#VALUE!"}}]
[null,null,null," ",{"$f":"E14+D15","v":{"$error":"#VALUE!"}}]
[null,null,null," ",{"$f":"E15+D16","v":{"$error":"#VALUE!"}}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,{"$error":"#VALUE!"}]

{"sheet":"Recovery Worksheet","index":10,"n_rows":26,"n_cols":11,"rows_kept":26,"cut":false,"hidden":false,"merged":[[0,0,0,6]]}
["                                                                                    Recovery\nRecovery in football occurs when a team gains or reteains possession of a fumbled football.  In terms of your debt blitz, recovery represents regaining control of your debt load.  When you don't have enough money to pay the minimum payments on your debt, you have to allocate payments to your creditors based on the amount of your debt they represent.  Obviously, you will not be meeting the minimum payments required by your creditors.  However, something is better than nothing.  Enclose a copy of your budget and recovery form with each payment.\n\n"]
[null,null,"Example:",null,null,null,null,null,null,null,"1)    Determine if you need a recovery plan:"]
["Disposable Income",null,225,"Total Minimum Payments",null,325,null,null,null,null,"a)     Referencing the Bench Warmer worksheet, subtract the amount in the “Total Monthly Necessities” field from your monthly income.  This is your “Disposable Income” for this exercise."]
[null,null,null,null,null,null,null,null,null,null,"b)    Referencing the Personal Fouls worksheet, enter the Minimum Payment Amount for each credit card.  Sum the total minimum credit card payments due (automatically calculated in the worksheet). This is your “Total Minimum Payments” amount."]
[null,null,"A","B","C= (A/B) x 100","D","E=C x D",null,null,null,"c)     If your disposable income is less than the minimum payments, a recovery plan is needed.  Remember, your disposable income represents the amount of money which will be distributed among your creditors according to the percentage of your total debt they represent."]
["Debt","Minimum Payment Amount","Payoff  Amount","Total Debt","Percent","Disposable Income","New Payment",null,null,null,"2)    Enter the Payoff Amounts for each credit card from the Personal Fouls worksheet. Sum the payoff amounts to determine the Total Debt (automatically calculated in this spreadsheet). "]
["MasterCard",25,100,{"$f":"$C$12","v":3250},{"$f":"C7/D7","v":3.0769230769230771E-2},{"$f":"$C$3","v":225},6.9230769230769234,null,null,null,"3)    Now divide each payoff amount by the Total Debt figure.  This number represents the percentage of that respective debt as compared to your total debt."]
["Visa",50,150,{"$f":"$C$12","v":3250},{"$f":"C8/D8","v":4.6153846153846156E-2},{"$f":"$C$3","v":225},10.384615384615385,null,null,null,"4)    Next, multiply the appropriate percent times your disposable income referenced in step 1.  This New Payment represents the amount of money to send to that respective creditor."]
["Discover",75,500,{"$f":"$C$12","v":3250},{"$f":"C9/D9","v":0.15384615384615385},{"$f":"$C$3","v":225},34.61538461538462]
["Chase",75,1000,{"$f":"$C$12","v":3250},{"$f":"C10/D10","v":0.30769230769230771},{"$f":"$C$3","v":225},69.230769230769241]
["Capital One",100,1500,{"$f":"$C$12","v":3250},{"$f":"C11/D11","v":0.46153846153846156},{"$f":"$C$3","v":225},103.84615384615385]
["Total ",{"$f":"SUM(B7:B11)","v":325},{"$f":"SUM(C7:C11)","v":3250},null,null,null,{"$f":"SUM(G7:G11)","v":225}]
[]
["Disposable Income",null,null,"Total Minimum Payments"]
[]
[null,null,"A","B","C= (A/B) x 100","D","E=C x D"]
["Debt","Minimum Payment Amount","Payoff  Amount","Total Debt","Percent","Disposable Income","New Payment"]
[null,null,null,{"$f":"$C$26","v":0},{"$f":"C18/D18","v":{"$error":"#DIV/0!"}},{"$f":"$C$14","v":0},{"$f":"E18*F18","v":{"$error":"#DIV/0!"}}]
[null,null,null,0,{"$error":"#DIV/0!"},0,{"$error":"#DIV/0!"}]
[null,null,null,0,{"$error":"#DIV/0!"},0,{"$error":"#DIV/0!"}]
[null,null,null,0,{"$error":"#DIV/0!"},0,{"$error":"#DIV/0!"}]
[null,null,null,0,{"$error":"#DIV/0!"},0,{"$error":"#DIV/0!"}]
[null,null," ",0,{"$error":"#VALUE!"},0,{"$error":"#VALUE!"}]
[null,null," ",0,{"$error":"#VALUE!"},0,{"$error":"#VALUE!"}]
[null,null," ",0,{"$error":"#VALUE!"},0,{"$error":"#VALUE!"}]
["Total",{"$f":"SUM(B18:B25)","v":0},{"$f":"SUM(C18:C25)","v":0}]

{"sheet":"Game Time","index":11,"n_rows":89,"n_cols":11,"rows_kept":89,"cut":false,"hidden":false,"merged":[[0,0,0,10]]}
["                                                                                   Game Time!\nThis worksheet allows you to spend all of your money on paper before each pay period.  Each column represents a pay period.  Depending on how often you get paid, some of these columns may not be used.  Married couples need to complete this form together.  Enter your combined income amounts during weeks where you both get paid.  "]
[]
[null,"Pay Period 1",null,"Pay Period 2",null,"Pay Period 3",null,"Pay Period 4",null,"Pay Period 5"]
[null,"(Enter Date Here)",null,"(Enter Date Here)",null,"(Enter Date Here)",null,"(Enter Date Here)",null,"(Enter Date Here)"]
[null,"Amt. Left:",{"$f":"C89","v":0},"Amt. Left:",{"$f":"E89","v":0},"Amt. Left:",{"$f":"G89","v":0},"Amt. Left:",{"$f":"I89","v":0},"Amt. Left:",{"$f":"K89","v":0}]
["INCOME",null,{"$f":"B6","v":0},null,{"$f":"D6+C5","v":0},null,{"$f":"F6+E5","v":0},null,{"$f":"H6+G5","v":0},null,{"$f":"J6+I5","v":0}]
[]
["EXPENSES"]
["CHARITABLE GIVING",null,{"$f":"C6-B9","v":0},null,{"$f":"E6-D9","v":0},null,{"$f":"G6-F9","v":0},null,{"$f":"I6-H9","v":0},null,{"$f":"K6-J9","v":0}]
["SAVING",null,10,null,{"$f":"E9-D10","v":0},null,{"$f":"G9-F10","v":0},null,{"$f":"I9-H10","v":0},null,{"$f":"K9-J10","v":0}]
["Regular Savings",null,{"$f":"C9-B11","v":0},null,{"$f":"E9-D11","v":0},null,{"$f":"G9-F11","v":0},null,{"$f":"I9-H11","v":0},null,{"$f":"K9-J11","v":0}]
["Emergency Fund",null,{"$f":"C11-B12","v":0},null,{"$f":"E11-D12","v":0},null,{"$f":"G11-F12","v":0},null,{"$f":"I11-H12","v":0},null,{"$f":"K11-J12","v":0}]
["Retirement Fund",null,{"$f":"C12-B13","v":0},null,0,null,0,null,0,null,0]
["College Fund",null,0,null,0,null,0,null,0,null,0]
["HOUSING",null,0,null,0,null,0,null,0,null,0]
["Mortgage Payment",null,0,null,0,null,0,null,0,null,0]
["Homeowner Assoc. Fee",null,0,null,0,null,0,null,0,null,0]
["Homeowner's Insurance",null,0,null,0,null,0,null,0,null,0]
["Repairs or Maint. Fee",null,0,null,0,null,0,null,0,null,0]
["Real Estate Taxes",null,0,null,0,null,0,null,0,null,0]
["UTILITIES",null,0,null,0,null,0,null,0,null,0]
["Electricity",null,0,null,0,null,0,null,0,null,0]
["Water",null,0,null,0,null,0,null,0,null,0]
["Gas",null,0,null,0,null,0,null,0,null,0]
["Phone/Cable/Internet",null,0,null,0,null,0,null,0,null,0]
["Phone ",null,0,null,0,null,0,null,0,null,0]
["Cable",null,0,null,0,null,0,null,0,null,0]
["Internet",null,0,null,0,null,0,null,0,null,0]
["Garbage and Recycling",null,0,null,0,null,0,null,0,null,0]
["Alarm",null,0,null,0,null,0,null,0,null,0]
["FOOD",null,0,null,0,null,0,null,0,null,0]
["*Groceries/Home Goods",null,0,null,0,null,0,null,0,null,0]
["*Dining Out",null,0,null,0,null,0,null,0,null,0]
["TRANSPORTATION",null,0,null,0,null,0,null,0,null,0]
["Car Payment #1",null,0,null,0,null,0,null,0,null,0]
["Car Payment #2",null,0,null,0,null,0,null,0,null,0]
["Car Payment #3",null,0,null,0,null,0,null,0,null,0]
["*Gas & Oil",null,0,null,0,null,0,null,0,null,0]
["Maintenance",null,0,null,0,null,0,null,0,null,0]
["Insurance",null,0,null,0,null,0,null,0,null,0]
["Tax and Tag",null,0,null,0,null,0,null,0,null,0]
["Public Transportation",null,0,null,0,null,0,null,0,null,0]
["RECREATION",null,0,null,0,null,0,null,0,null,0]
["Gym/fitness",null,0,null,0,null,0,null,0,null,0]
["Vacation",null,0,null,0,null,0,null,0,null,0]
["*Entertainment",null,0,null,0,null,0,null,0,null,0]
["MEDICAL",null,0,null,0,null,0,null,0,null,0]
["Health Insurance",null,0,null,0,null,0,null,0,null,0]
["Disability Insurance",null,0,null,0,null,0,null,0,null,0]
["Life Insurance",null,0,null,0,null,0,null,0,null,0]
["Doctor Bills",null,0,null,0,null,0,null,0,null,0]
["Dentist",null,0,null,0,null,0,null,0,null,0]
["Eye Doctor",null,0,null,0,null,0,null,0,null,0]
["Medications",null,0,null,0,null,0,null,0,null,0]
["PERSONAL",null,0,null,0,null,0,null,0,null,0]
["*Salon/Barber",null,0,null,0,null,0,null,0,null,0]
["Child Care",null,0,null,0,null,0,null,0,null,0]
["Personal Care",null,0,null,0,null,0,null,0,null,0]
["Tuition",null,0,null,0,null,0,null,0,null,0]
["School Supplies",null,0,null,0,null,0,null,0,null,0]
["Child Support",null,0,null,0,null,0,null,0,null,0]
["Alimony",null,0,null,0,null,0,null,0,null,0]
["Subscriptions",null,0,null,0,null,0,null,0,null,0]
["Gifts",null,0,null,0,null,0,null,0,null,0]
["Club Dues",null,0,null,0,null,0,null,0,null,0]
["*Misc. Spending",null,0,null,0,null,0,null,0,null,0]
["*Dry Cleaning",null,0,null,0,null,0,null,0,null,0]
["Clothing",null,0,null,0,null,0,null,0,null,0]
["Christmas Saving",null,0,null,0,null,0,null,0,null,0]
["DEBTS (Write in Type)",null,0,null,0,null,0,null,0,null,0]
["Credit Card",null,0,null,0,null,0,null,0,null,0]
["Credit Card",null,0,null,0,null,0,null,0,null,0]
["Credit Card",null,0,null,0,null,0,null,0,null,0]
["Credit Card",null,0,null,0,null,0,null,0,null,0]
["Credit Card",null,{"$f":"C74-B75","v":0},null,{"$f":"E74-D75","v":0},null,{"$f":"G74-F75","v":0},null,{"$f":"I74-H75","v":0},null,{"$f":"K74-J75","v":0}]
["Credit Card",null,0,null,0,null,0,null,0,null,0]
["Credit Card",null,0,null,0,null,0,null,0,null,0]
["School Loan #1",null,0,null,0,null,0,null,0,null,0]
["School Loan #2",null,0,null,0,null,0,null,0,null,0]
["Other",null,0,null,0,null,0,null,0,null,0]
["Other",null,0,null,0,null,0,null,0,null,0]
["Other",null,0,null,0,null,0,null,0,null,0]
["Other",null,0,null,0,null,0,null,0,null,0]
[null,null,0,null,0,null,0,null,0,null,0]
[null,null,0,null,0,null,0,null,0,null,0]
[null,null,0,null,0,null,0,null,0,null,0]
[null,null,0,null,0,null,0,null,0,null,0]
[null,null,0,null,0,null,0,null,0,null,0]
[null,null,0,null,0,null,0,null,0,null,0]

{"sheet":"Stats","index":12,"n_rows":85,"n_cols":5,"rows_kept":85,"cut":false,"hidden":false,"merged":[[0,0,0,4]]}
["                                                                       Stats\nA player's stats show how well he performs during GAME TIME.  This worksheet will help you determine how close you are to meeting the actual budgeted amounts for a respective category within a month.  The expense categories on the left should be an exact duplication of the categories used in the \"GAME TIME\" worksheet.  The \"Budget from (GAME TIME)\" column is a sum total of the allocated amounts in each pay period of the \"GAME TIME\" worksheet.  Enter the actual expense of a category in the \"Actual Spending\" column.  The difference between the “Actual Spending” total and the “Budget from (GAME TIME)” will show you how close you came to hitting your budgeted amount."]
[]
[null,null,"Budget from (GAME TIME)","Actual Spending","Difference"]
["INCOME",null,{"$f":"SUM('Game Time'!B6+'Game Time'!D6+'Game Time'!F6+'Game Time'!H6+'Game Time'!J6)","v":0},0,{"$f":"C4-D4","v":0}]
["EXPENSES"]
["CHARITABLE GIVING",null,{"$f":"SUM('Game Time'!B9+'Game Time'!D9+'Game Time'!F9+'Game Time'!H9+'Game Time'!J9)","v":0},0,{"$f":"C6-D6","v":0}]
["SAVING"]
["Emergency Fund",null,{"$f":"SUM('Game Time'!B12+'Game Time'!D12+'Game Time'!F12+'Game Time'!H12+'Game Time'!J12)","v":0},0,{"$f":"C8-D8","v":0}]
["Retirement Fund",null,{"$f":"SUM('Game Time'!B13+'Game Time'!D13+'Game Time'!F13+'Game Time'!H13+'Game Time'!J13)","v":0},0,{"$f":"C9-D9","v":0}]
["College Fund",null,{"$f":"SUM('Game Time'!B14+'Game Time'!D14+'Game Time'!F14+'Game Time'!H14+'Game Time'!J14)","v":0},0,{"$f":"C10-D10","v":0}]
["HOUSING"]
["Mortgage Payment",null,{"$f":"SUM('Game Time'!B16+'Game Time'!D16+'Game Time'!F16+'Game Time'!H16+'Game Time'!J16)","v":0},0,{"$f":"C12-D12","v":0}]
["Homeowner Assoc. Fee",null,{"$f":"SUM('Game Time'!B17+'Game Time'!D17+'Game Time'!F17+'Game Time'!H17+'Game Time'!J17)","v":0},0,{"$f":"C13-D13","v":0}]
["Homeowner's Insurance",null,{"$f":"SUM('Game Time'!B18+'Game Time'!D18+'Game Time'!F18+'Game Time'!H18+'Game Time'!J18)","v":0},0,{"$f":"C14-D14","v":0}]
["Repairs or Maint. Fee",null,{"$f":"SUM('Game Time'!B19+'Game Time'!D19+'Game Time'!F19+'Game Time'!H19+'Game Time'!J19)","v":0},0,{"$f":"C15-D15","v":0}]
["Real Estate Taxes",null,{"$f":"SUM('Game Time'!B20+'Game Time'!D20+'Game Time'!F20+'Game Time'!H20+'Game Time'!J20)","v":0},0,{"$f":"C16-D16","v":0}]
["UTILITIES"]
["Electricity",null,{"$f":"SUM('Game Time'!B22+'Game Time'!D22+'Game Time'!F22+'Game Time'!H22+'Game Time'!J22)","v":0},0,{"$f":"C18-D18","v":0}]
["Water",null,{"$f":"SUM('Game Time'!B23+'Game Time'!D23+'Game Time'!F23+'Game Time'!H23+'Game Time'!J23)","v":0},0,0]
["Gas",null,{"$f":"SUM('Game Time'!B24+'Game Time'!D24+'Game Time'!F24+'Game Time'!H24+'Game Time'!J24)","v":0},0,0]
["  Phone/cable/Internet",null,{"$f":"SUM('Game Time'!B25+'Game Time'!D25+'Game Time'!F25+'Game Time'!H25+'Game Time'!J25)","v":0},0,0]
["Phone",null,{"$f":"SUM('Game Time'!B26+'Game Time'!D26+'Game Time'!F26+'Game Time'!H26+'Game Time'!J26)","v":0},0,0]
["Cable",null,{"$f":"SUM('Game Time'!B27+'Game Time'!D27+'Game Time'!F27+'Game Time'!H27+'Game Time'!J27)","v":0},0,0]
["Internet",null,{"$f":"SUM('Game Time'!B28+'Game Time'!D28+'Game Time'!F28+'Game Time'!H28+'Game Time'!J28)","v":0},0,0]
["Garbage and Recycling",null,{"$f":"SUM('Game Time'!B29+'Game Time'!D29+'Game Time'!F29+'Game Time'!H29+'Game Time'!J29)","v":0},0,0]
["Alarm",null,{"$f":"SUM('Game Time'!B30+'Game Time'!D30+'Game Time'!F30+'Game Time'!H30+'Game Time'!J30)","v":0},0,0]
["FOOD"]
["*Groceries/Home Goods",null,{"$f":"SUM('Game Time'!B32+'Game Time'!D32+'Game Time'!F32+'Game Time'!H32+'Game Time'!J32)","v":0},0,{"$f":"C28-D28","v":0}]
["*Dining Out",null,{"$f":"SUM('Game Time'!B33+'Game Time'!D33+'Game Time'!F33+'Game Time'!H33+'Game Time'!J33)","v":0},0,{"$f":"C29-D29","v":0}]
["TRANSPORTATION"]
["Car Payment #1",null,{"$f":"SUM('Game Time'!B35+'Game Time'!D35+'Game Time'!F35+'Game Time'!H35+'Game Time'!J35)","v":0},0,{"$f":"C31-D31","v":0}]
["Car Payment #2",null,{"$f":"SUM('Game Time'!B36+'Game Time'!D36+'Game Time'!F36+'Game Time'!H36+'Game Time'!J36)","v":0},0,0]
["Car Payment #3",null,{"$f":"SUM('Game Time'!B37+'Game Time'!D37+'Game Time'!F37+'Game Time'!H37+'Game Time'!J37)","v":0},0,0]
["*Gas & Oil",null,{"$f":"SUM('Game Time'!B38+'Game Time'!D38+'Game Time'!F38+'Game Time'!H38+'Game Time'!J38)","v":0},0,0]
["Maintenance",null,{"$f":"SUM('Game Time'!B39+'Game Time'!D39+'Game Time'!F39+'Game Time'!H39+'Game Time'!J39)","v":0},0,0]
["Insurance",null,{"$f":"SUM('Game Time'!B40+'Game Time'!D40+'Game Time'!F40+'Game Time'!H40+'Game Time'!J40)","v":0},0,0]
["Tax and Tag",null,{"$f":"SUM('Game Time'!B41+'Game Time'!D41+'Game Time'!F41+'Game Time'!H41+'Game Time'!J41)","v":0},0,0]
["Public Transportation",null,{"$f":"SUM('Game Time'!B42+'Game Time'!D42+'Game Time'!F42+'Game Time'!H42+'Game Time'!J42)","v":0},0,0]
["RECREATION"]
["Gym/fitness",null,{"$f":"SUM('Game Time'!B44+'Game Time'!D44+'Game Time'!F44+'Game Time'!H44+'Game Time'!J44)","v":0},0,{"$f":"C40-D40","v":0}]
["Vacation",null,{"$f":"SUM('Game Time'!B45+'Game Time'!D45+'Game Time'!F45+'Game Time'!H45+'Game Time'!J45)","v":0},0,{"$f":"C41-D41","v":0}]
["*Entertainment",null,{"$f":"SUM('Game Time'!B46+'Game Time'!D46+'Game Time'!F46+'Game Time'!H46+'Game Time'!J46)","v":0},0,{"$f":"C42-D42","v":0}]
["MEDICAL"]
["Health Insurance",null,{"$f":"SUM('Game Time'!B48+'Game Time'!D48+'Game Time'!F48+'Game Time'!H48+'Game Time'!J48)","v":0},0,{"$f":"C44-D44","v":0}]
["Disability Insurance",null,{"$f":"SUM('Game Time'!B49+'Game Time'!D49+'Game Time'!F49+'Game Time'!H49+'Game Time'!J49)","v":0},0,0]
["Life Insurance",null,{"$f":"SUM('Game Time'!B50+'Game Time'!D50+'Game Time'!F50+'Game Time'!H50+'Game Time'!J50)","v":0},0,0]
["Doctor Bills",null,{"$f":"SUM('Game Time'!B51+'Game Time'!D51+'Game Time'!F51+'Game Time'!H51+'Game Time'!J51)","v":0},0,0]
["Dentist",null,{"$f":"SUM('Game Time'!B52+'Game Time'!D52+'Game Time'!F52+'Game Time'!H52+'Game Time'!J52)","v":0},0,0]
["Eye Doctor",null,{"$f":"SUM('Game Time'!B53+'Game Time'!D53+'Game Time'!F53+'Game Time'!H53+'Game Time'!J53)","v":0},0,0]
["Medications",null,{"$f":"SUM('Game Time'!B54+'Game Time'!D54+'Game Time'!F54+'Game Time'!H54+'Game Time'!J54)","v":0},0,0]
["PERSONAL"]
["Salon/Barber",null,{"$f":"SUM('Game Time'!B56+'Game Time'!D56+'Game Time'!F56+'Game Time'!H56+'Game Time'!J56)","v":0},0,{"$f":"C52-D52","v":0}]
["Child Care",null,{"$f":"SUM('Game Time'!B57+'Game Time'!D57+'Game Time'!F57+'Game Time'!H57+'Game Time'!J57)","v":0},0,0]
["Personal Care",null,{"$f":"SUM('Game Time'!B58+'Game Time'!D58+'Game Time'!F58+'Game Time'!H58+'Game Time'!J58)","v":0},0,0]
["Tuition",null,{"$f":"SUM('Game Time'!B59+'Game Time'!D59+'Game Time'!F59+'Game Time'!H59+'Game Time'!J59)","v":0},0,0]
["School Supplies",null,{"$f":"SUM('Game Time'!B60+'Game Time'!D60+'Game Time'!F60+'Game Time'!H60+'Game Time'!J60)","v":0},0,0]
["Child Support",null,{"$f":"SUM('Game Time'!B61+'Game Time'!D61+'Game Time'!F61+'Game Time'!H61+'Game Time'!J61)","v":0},0,0]
["Alimony",null,{"$f":"SUM('Game Time'!B62+'Game Time'!D62+'Game Time'!F62+'Game Time'!H62+'Game Time'!J62)","v":0},0,0]
["Subscriptions",null,{"$f":"SUM('Game Time'!B63+'Game Time'!D63+'Game Time'!F63+'Game Time'!H63+'Game Time'!J63)","v":0},0,0]
["Gifts",null,{"$f":"SUM('Game Time'!B64+'Game Time'!D64+'Game Time'!F64+'Game Time'!H64+'Game Time'!J64)","v":0},0,0]
["Club Dues",null,{"$f":"SUM('Game Time'!B65+'Game Time'!D65+'Game Time'!F65+'Game Time'!H65+'Game Time'!J65)","v":0},0,0]
["Misc. Spending",null,{"$f":"SUM('Game Time'!B66+'Game Time'!D66+'Game Time'!F66+'Game Time'!H66+'Game Time'!J66)","v":0},0,0]
["Dry Cleaning",null,{"$f":"SUM('Game Time'!B67+'Game Time'!D67+'Game Time'!F67+'Game Time'!H67+'Game Time'!J67)","v":0},0,0]
["Clothing",null,{"$f":"SUM('Game Time'!B68+'Game Time'!D68+'Game Time'!F68+'Game Time'!H68+'Game Time'!J68)","v":0},0,0]
["Christmas Saving",null,{"$f":"SUM('Game Time'!B69+'Game Time'!D69+'Game Time'!F69+'Game Time'!H69+'Game Time'!J69)","v":0},0,0]
["DEBTS (Write in Type)"]
[{"$f":"'Game Time'!A71","v":"Credit Card"},null,{"$f":"SUM('Game Time'!B71+'Game Time'!D71+'Game Time'!F71+'Game Time'!H71+'Game Time'!J71)","v":0},0,{"$f":"C67-D67","v":0}]
[{"$f":"'Game Time'!A72","v":"Credit Card"},null,{"$f":"SUM('Game Time'!B72+'Game Time'!D72+'Game Time'!F72+'Game Time'!H72+'Game Time'!J72)","v":0},0,0]
[{"$f":"'Game Time'!A73","v":"Credit Card"},null,{"$f":"SUM('Game Time'!B73+'Game Time'!D73+'Game Time'!F73+'Game Time'!H73+'Game Time'!J73)","v":0},0,0]
[{"$f":"'Game Time'!A74","v":"Credit Card"},null,{"$f":"SUM('Game Time'!B74+'Game Time'!D74+'Game Time'!F74+'Game Time'!H74+'Game Time'!J74)","v":0},0,0]
[{"$f":"'Game Time'!A75","v":"Credit Card"},null,{"$f":"SUM('Game Time'!B75+'Game Time'!D75+'Game Time'!F75+'Game Time'!H75+'Game Time'!J75)","v":0},0,0]
[{"$f":"'Game Time'!A76","v":"Credit Card"},null,{"$f":"SUM('Game Time'!B76+'Game Time'!D76+'Game Time'!F76+'Game Time'!H76+'Game Time'!J76)","v":0},0,0]
[{"$f":"'Game Time'!A77","v":"Credit Card"},null,{"$f":"SUM('Game Time'!B77+'Game Time'!D77+'Game Time'!F77+'Game Time'!H77+'Game Time'!J77)","v":0},0,0]
[{"$f":"'Game Time'!A78","v":"School Loan #1"},null,{"$f":"SUM('Game Time'!B78+'Game Time'!D78+'Game Time'!F78+'Game Time'!H78+'Game Time'!J78)","v":0},0,0]
[{"$f":"'Game Time'!A79","v":"School Loan #2"},null,{"$f":"SUM('Game Time'!B79+'Game Time'!D79+'Game Time'!F79+'Game Time'!H79+'Game Time'!J79)","v":0},0,0]
[{"$f":"'Game Time'!A80","v":"Other"},null,{"$f":"SUM('Game Time'!B80+'Game Time'!D80+'Game Time'!F80+'Game Time'!H80+'Game Time'!J80)","v":0},0,0]
[{"$f":"'Game Time'!A81","v":"Other"},null,{"$f":"SUM('Game Time'!B81+'Game Time'!D81+'Game Time'!F81+'Game Time'!H81+'Game Time'!J81)","v":0},0,0]
[{"$f":"'Game Time'!A82","v":"Other"},null,{"$f":"SUM('Game Time'!B82+'Game Time'!D82+'Game Time'!F82+'Game Time'!H82+'Game Time'!J82)","v":0},0,0]
[{"$f":"'Game Time'!A83","v":"Other"},null,{"$f":"SUM('Game Time'!B83+'Game Time'!D83+'Game Time'!F83+'Game Time'!H83+'Game Time'!J83)","v":0},0,0]
[{"$f":"'Game Time'!A84","v":0},null,{"$f":"SUM('Game Time'!B84+'Game Time'!D84+'Game Time'!F84+'Game Time'!H84+'Game Time'!J84)","v":0},0,0]
[{"$f":"'Game Time'!A85","v":0},null,{"$f":"SUM('Game Time'!B85+'Game Time'!D85+'Game Time'!F85+'Game Time'!H85+'Game Time'!J85)","v":0},0,0]
[{"$f":"'Game Time'!A86","v":0},null,{"$f":"SUM('Game Time'!B86+'Game Time'!D86+'Game Time'!F86+'Game Time'!H86+'Game Time'!J86)","v":0},0,0]
[{"$f":"'Game Time'!A87","v":0},null,{"$f":"SUM('Game Time'!B87+'Game Time'!D87+'Game Time'!F87+'Game Time'!H87+'Game Time'!J87)","v":0},0,0]
[{"$f":"'Game Time'!A88","v":0},null,{"$f":"SUM('Game Time'!B88+'Game Time'!D88+'Game Time'!F88+'Game Time'!H88+'Game Time'!J88)","v":0},0,0]
[{"$f":"'Game Time'!A89","v":0},null,{"$f":"SUM('Game Time'!B89+'Game Time'!D89+'Game Time'!F89+'Game Time'!H89+'Game Time'!J89)","v":0},0,0]