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ITSBITS Catapult Garage Software
Budget Builder Tool

Purpose Of The Tool

The budget builder is, as the name implies, first designed to assist you in putting together a budget plan. It uses a budget template as the pattern so that you can easily build similar, yet different budgets. This feature allows you to easily posit different budget situations and see how the results differ. It also makes the budget builder tool more versatile since you can put together a template for your household budget, your business's budget, or for any organization you belong to, e.g., homeowner's association, church, etc. Finally, if you are facing a major, complex project the budget builder tool can be utilized for that, too. Simply build a budget template based upon what you have seen in earlier, similar projects or upon what you expect to see in this project. Always remember that you can add new items to the template if it becomes necessary and these can then be carried forward into the budget plan itself.

Just so you'll follow what we're saying, let's use a couple of budget template examples to illustrate. Consider the most common budget need--a household budget. Now, let's say there is a weekly paycheck and we'll make it a nice, round number: $1,000 per week. This becomes a template item. We can call it "My Weekly Paycheck" and it is an "Income" item of "Weekly" frequency--nothing very complicated or hard to understand about that...right? Now, let's say your monthly mortgage payment is $1,100 per week. This also becomes a template item. We can call it simply "House payment" and it is definitely an "expense" item and its frequency is "monthly." Again, you see there's nothing difficult or complicated about it. Other such template items will need to be enteredd for all your income and expense items. In addition, let's say you you're smart enough to always save $50 out of each paycheck at your friendly credit union. Since it comes out of the income you've enteredd, this is also a template item. We can call it simply "Weekly savings" of type "Saving" and with a "weekly" frequency...it's as simple as any of the other items. Just note that anything that takes away from the "income" items, even if it's being saved, constitutes a budget template item.

You may have already figured out that the hardest part of making a budget is going to be putting together all those nasty figures...for example, how much are you spending on groceries per time period? How much did you pay for property taxes last year and how much is that going to change this year? Car tags...ditto? Etc. Always remember that the more accurate your figures are, the more accurate your budget will be. Hence, you'll want and need to do as good a job as possible.

Also, note that while you're building the template, you won't enter the actual amount for the budget...that comes next. Keep a list of the amounts on a scratch paper to the side as you go.

Once you've built your template, you'll use the items in the template to add budget items' amounts. Remember, that you can run different "casts" of a given budget where "casts" include different budget items. As an example, let's say you're thinking of purchasing a new car and you've built a first cast of the budget with no car payment in it. Now you find that the car of your dreams can be purchased for a mere $1,250/month payment. You also find that your car insurance will cost you $1,300 annually. So, you put a new template item into your budget template: "Monthly" "car payment"--definitely an expense! You also include your car insurance in the template as an annual expense. You put the $1,250 amount and the $1,300 amount into the budget and generate a new cast which shows you can't handle that large a payment and insurance--you'll go in the hole by $150 each month even if you stop saving $50/week. Ouch! But your old vehicle is shot and you really need to get another one, so you shop around for a two-year-old version of your dream car and you find that you can get it for $900/month. Because this car is a bit older, your insurance drops to $1,100 per year. Now you build a new cast and see these payments' effects. Since you really only have to change two amounts from the previous cast, you can do this in seconds.

OK, so now we've described what the template is all about and how we can cast and re-cast our budget. When we view the budget, it will assume you're building a household budget and it will also give you some pointers dealing with personal finances. (You can see a sample below.) The intent is to help you get a handle on how much money you need to have put aside for retirement, how much life insurance you should have, etc. Please, notice, that this is only a first gloss on these questions. You definitely want to speak with a financial expert about it. Still, you'll find it's a good thing to question any vastly different advice they give you, especially if they're selling you a product that costs a great deal more. (It could be they're simply trying to make enough for a cruise to the Caribbean rather than trying to help you. Also, know that the "RIA" certification/title is often of questionable value and you should not place too much value on it.)

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Start The Tool

On the opening screen or "WELCOME" tab, go to the "VIEW" menu, then select the option to "Build A Budget." When this configuration option is selected, you will see an image something like the one shown here:
ITSBITS Catapult Garage Budget Builder Tool start screen

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Using The Tool--Build A Template

ITSBITS Catapult Garage Software Budget Builder Update Template menu Notice that when you first bring up the Budget Builder tool, it shows "Template being used" but does not name a template because it has not yet been told which template (or budget) to work with. So, the first thing we need to do is to tell the tool what template we're going to work on. If you hover with the mouse pointer over the "File" menu, you'll see that the file menu looks something like the one shown at right. Take just a second to notice that you have the option to open an existing budget template, to save a budget template, and to start a "New Budget Template." Since we are going to build a template, we'll select this last option. When this is selected, you'll need to enter a name for the new template you're about to build. This will look something like the window shown below:

ITSBITS Catapult Garage Software Budget Builder new template name entry

ITSBITS Catapult Garage Software Budget Builder file menu When you type in the name, hit the "TAB" key and the "OK" button will appear. Double-check your spelling, then click the "OK" button to continue. Now you'll see the template name as the "Template being used" and you'll see a large light-green list box. The list box will be empty at this time since no items have been added to the template. Now it's time to add items to the template. To do this, click the "UPDATE" menu option. This menu will look something like the one shown at left.

ITSBITS Catapult Garage Software Budget Builder Add Template Item Since we have no items to edit or delete yet, you may have already guessed that we need to click on the option to "Add Template Item." When you do, you'll see a small window similar to the one at right. Here you'll add your template item. For example, you might name it "Weekly paycheck" then click the "Income" spot, and finally use the drop-down box to check the frequency as "Weekly." When you've filled in these three descriptors, click the OK button to add the item to the template. Now repeat these steps for each item you're going to put in your budget template.

When you need a break or you've completed the template, return to the "File" menu and use the option to "Save Budget Template."

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Using The Tool--Build A Budget

ITSBITS Catapult Garage Software Budget Builder Update Template menu Again, notice that when you first bring up the Budget Builder tool, it shows "Template being used" but does not name a template because it has not yet been told which template (or budget) to work with. So, the first thing we need to do is to tell the tool what template we're going to work with to build our new budget. If you hover with the mouse pointer over the "File" menu, you'll see that the file menu looks something like the one shown at right. Take just a second to notice that you have the option to open an existing budget, to save a budget, and to start a "New Budget." Since we are going to build a new budget, we'll select this last option. When this is selected, you'll need to select the template you're about to build from. This will look something like the window shown below:

ITSBITS Catapult Garage Software Budget Builder select budget template

This is a standard Windows® dialogue, but you may have to click the OK button to see your budget template files.

Now you may double-click the template file you want to build upon or you may click it and then click the "OK" button. Either way, your template will be opened for use. Now the large green box on the left-hand-side of your window will show the template items you defined earlier. A foreshortened example of what you'll be looking at is shown below:

You'll notice that the template file being used is no longer vacant, but is shown. You'll also notice that the template items are shown in the light-green list box at the left of the tool's window. Now you're ready to build your budget. Click the template item you want to use in your budget. For example, if you wanted to put in your monthly groceries expense amount, you'd click the first item in our sample. When you do, it will be highlighted and you'll see a small window like the one shown at right. ITSBITS Catapult Garage Software Budget Builder Add Template Item

ITSBITS Catapult Garage Software Budget Builder sample




Since we have no budget items to edit or delete as yet, you may have incorrectly guessed that we need to click on the Update Menu option to "Add All-new Budget Item." No! Double-click the template item you want to use. When you do, you'll see a small window similar to the one at left. Here you'll add your budget item. Then enter the amount using nothing but numbers and the decimal point. Then click the "OK" button. Now you'll see the budget item show up in a new list box where all your budget items will be displayed. This will look something like the short sample below:





ITSBITS Catapult Garage Software Budget Builder sample item

So, you may ask, what is the option to "Add All-new Budget Item" for? Suppose you are working on the budget and you need to add a new item that's not in your template yet. First, let's suppose the new item is very similar to an existing template item. Click on the item in the template list (light-green list box), click the "Cancel" button if necessary, then click the "Add All-new Budget Item" menu option to show up a box where you can add the all-new budget item. Notice that this option does NOT add the item to the template--just the budget. To add the new item to both, use the Update menu item to add a template item.

When you need a break or you've completed the budget, return to the "File" menu and use the option to "Save Budget."

As you may have already assumed, if you need to edit/change an already-enteredd budget item, you can do this by first selecting the item in question, then using the Update menu item's option to "Edit Selected Budget Item." In a similar manner, you can delete a budget item by selecting the item in question, then using the Update menu item's option to "Del Selected Budget Item."

Note the two Update Menu items to Ignore and Un-Ignore a budget item. You can use the "ignore" feature to tell the program not to include an item(s) in its calculations . Just select the item in question, then use the "Ignore" option. When you do this, notice that the entire line-item appears inside parentheses. To "turn the item back on" just select the item in question, then use the Un-Ignore menu option. When you do this, notice that the entire line-item is no longer inside parentheses.

There is still the item to designate that this is a personal budget (or not). If you click on this, the tool will use data you enter in the Configuration Menu option and do additional calculations. At the end of the budget-view, you'll see a report using these additional data items.

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Configuration Menu Items--Data Paths

ITSBITS Catapult Garage Software Budget Builder Configuration menu

As you can see on the image at right, there are three sections in this menu. The first two have to do with configuring how and where the tool stores its data. The third section involves data items that are used to produce an extended financial analysis as part of a personal budget. We'll discuss each option in the text that follows.



ITSBITS Catapult Garage Software Budget Builder Configuration menu Show Data Path option

As you can see in the image at left, you have three buttons.

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ITSBITS Catapult Garage Software Budget Builder Configure Backup Folder Path The image at left presents the configuration menu's option to specify a backup folder path for your data.

The "Browse" button can be used to navigate through the Windows® file system to specify which folder should be used to store your backup. Alternatively, you could use the "Paste" button to derive a path from the system clipboard.

As with all folders where you intend to write data, you must have permission to write to the specified backup folder. You can quickly test whether this will work properly, i.e., whether you have the proper permissions, by simple clicking the "Test" button.

The "Help" button will, of course, give you a quick set of help information. The "Cancel" button will, as the name implies, let you cancel out of the activity. The "OK" button should be used once you have successfully tested and verified that you have configured a good backup folder path.

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ITSBITS Catapult Garage Software Budget Builder Configure Sharing Folder Path The image at left presents the configuration menu's option to specify a share folder path for your data. This is a path to another user's computer.

The "Browse" button can be used to navigate through the Windows® file system to specify which folder should be used. Alternatively, you could use the "Paste" button to derive a path from the system clipboard.

As with all folders where you intend to write data, you must have permission to write to the specified folder. You can quickly test whether this will work properly, i.e., whether you have the proper permissions, by simple clicking the "Test" button.

The "Help" button will, of course, give you a quick set of help information. The "Cancel" button will, as the name implies, let you cancel out of the activity. The "OK" button should be used once you have successfully tested and verified that you have configured a good folder path.

This option works in conjunction with the option to "Share this data." When you select the "Share this data" option, it will be checked. If this option is not selected, sharing will not take place even if you have configured a sharing path (above discussion). Conversely, sharing can be turned off by un-checking this option. For more information on configuring backup and sharing with another user on your LAN and/or to keep a backup copy of your configuration and actual data. For instructions on how to do this, click here.

To learn about using the options in the second section of the configuration menu, click here.

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Configuration Menu Items--Financial Data

ITSBITS Catapult Garage Software Budget Builder Configuration menu Each of the items in the third section of the Configuration menu will be used in conjunction with personal budgets to give you additional financial planning information. Each item is discussed in this section.

ITSBITS Catapult Garage Software Budget Builder Configuration financials On this screen--see the sample shown at left--you need to enter a single number to answer the question it asks: if you suddenly lost your job, how many months would you expect it to take before you can find a new one? On average, this could be as much as 12 months in the 2011 economy. On the other hand, if you're in demand, you might know that you can find a new job in only 3 months or, even, immediately--say one month. The only thing to consider is that the more accurate your answers to all these financials questions, the more accurate the resulting suggestions and reports will be.

Click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials Why? Because of all the things in your home and/or auto, your HVAC (Heating and Air Conditioning) system tends to be the most expensive to replace should it suddenly die and in most cases, it is a must-have system. So...on this screen--see the sample shown at left--you need to enter a single number to answer the question it asks: how much would it cost to replace your HVAC system if it became necessary. If you have a must-have system in your home that would cost more to replace, enter the amount for that instead. (Be aware that we're assuming your HVAC and your car's transmission won't go out at the same time. If you want to assume they will, just add an appropriate amount to the HVAC system's replacement cost and entered that total here.) Again, remember that the more accurate your answers to all these financials questions, the more accurate the resulting suggestions and reports will be.

Click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials Why? Because if you should kick the bucket, i.e., die, you want to leave enough money (and some instructions) so that your family isn't saddled with the burden of paying for your funeral--leave them with the good memories. So...on this screen--see the sample shown at left--you need to enter a single number to answer the question it asks: how much would a funeral cost. If you don't know, just call a funeral home and ask what the average cost is for your area at this time. (Don't let them talk you into a prepaid funeral, though, because you can do better by purchasing a simple term life insurance policy. Also, unless your religious beliefs/needs dictate otherwise, tell them you want an inexpensive metal coffin--after 5 years in the ground it will be just as good as a $10K unit.) If you want to include enough for more than one funeral, do a simple multiplication and enter that number here. As with all these answers, remember that the more accurate your answers to all these financial questions, the more accurate the resulting suggestions and reports will be.

Click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials Why? Because if you should kick the bucket, i.e., die, you want to leave enough money (and some instructions) so that your family doesn't suffer so much financially. In this case, we're concerned with college costs. So...on this screen--see the sample shown at left--you need to enter a single number to answer the question it asks: how many children under 18 years of age do you have? Notice that grandchildren, nephews, nieces, or others might fall into this number, too. As with all these answers, remember that the more accurate your answers to all these financial questions, the more accurate the resulting suggestions and reports will be.

Click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials Why? Because if you have children you want to leave in a financial position to attend college, this is one of the most volatile, most varied costs you face. College costs have inflated far more rapidly than almost anything else you can name over the last 20 years and where they're going next, despite any government intervention that may take place, is nowhere but up. Then, of course, there's the question of where the children should be able to go to college. A local community college will disperse knowledge for a much lower price, but they won't give the child the contacts needed for greater successes. And, of course, the top schools cost even more than a state college.

Chances are, if you're like most of us, you'll need to search for college tuition cost figures or, you might just want to call the colleges you think might apply and ask what the average tuition cost is today. Don't forget to ask them about out-of-state tuition, fraternity/sorority costs, and how much on-campus housing will cost. Our advice is that whatever the average tuition costs today, double or triple that amount--the younger the children in question, the more important this becomes.

So...on this screen--see the sample shown at left--you need to enter a single number to answer the question it asks: basically, how much cost does one year of college represent today? As with all these answers, remember that the more accurate your answers to all these financial questions, the more accurate the resulting suggestions and reports will be. As usual, you may click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials Caution: this is one of the most important things to consider when working on your financial future and, unfortunately, you must guess at it. Why? Because the power brought against you and your finances by higher inflation is astounding. It hits you each time you purchase a loaf of bread, a new clothing item, a vehicle, fuel, home, or anything else. Moreover, it compounds each year. Consider this: if inflation were to hit 10% for two years, the first year would see a $3 item move up to $3.30. The end of the second year would see it hit $3.63. That would be happening to everything you buy--"luxuries" like food, clothing, and housing, included.

And you are forced to guess at what inflation will look like over the years you expect to live. First, no one knows what the future holds for any of us. Second, the government regularly warps their figures to avoid telling you how high inflation really is. At this point, the government wants to tell you that inflation is much lower than it really is so that they won't be forced to give seniors a cost-of-living raise on Social Security. We're suggesting an average inflation rate of 5% for now, but that is subject to change if the government continues to monetize the debt ("Quantitative Easing"). (Some very smart economists are forecasting 4-5 years of 100% inflation just ahead because of these monetary policies, but let's pray it's not that bad because we'll all be in dire straights if it is.)

So...on this screen--see the sample shown at left--you need to enter a single real number to answer the question it asks: basically, how much annual inflation do you want to try to build into your financial future? If you build in too high a rate, that will cause your figures to warp out to unusable values, so try to be reasonable. Also, notice that the financials sector of our economy will be forced to pay inflated interest rates to "keep up" with inflation. (They won't ever keep up, but they will go much higher as inflation does.) As with all these answers, remember that the more accurate your guess winds up being, the more accurate the resulting suggestions and reports will be.

As usual, you may click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials One of the foundations of a sound financial plan, assuming you aren't blessed with millions and millions of dollars, is life insurance. (Caution: "whole life" insurance which "builds value" as it goes along is widely recognized as one of the worst investment choices you can possibly make.) What you want to do is purchase term life insurance and invest the difference between its cost and the cost of whole life insurance for the same amount. If you're not familiar with this, it means that you purchase life insurance for a given "term" of years. The amount the policy pays in case of death (called the death benefit) decreases over the term from face value to, eventually, zero. However, since the amount you've saved--the difference between the two kinds of insurance that we've already mentioned--and invested has increased in value, you should come out far ahead at the end of the term.

Here's the trick. You must specify not only the amount of insurance you need, but what the "term" is to be. Think about blood/DNA-relatives of yours--grandparents, parents, aunts, uncles. For those of the same sex as you, how old were they (on average) when they died from natural causes? If you can come up with three or four such examples, add a year or two to it and that's about what your expected age at death looks like...sorry!

If you can't come up with three or four such relatives, you'll have to take the "national average." Unfortunately, that varies along racial and ethnic lines as well as regionally. Hence, you'll need to find this number on your own by doing a bit of research. In the absence of such research, estimate 75 for a male and 83 for a female as an expected age at death, but realize that this is not very accurate.

Next, how old do you expect to be when you retire. Be reasonable and consider your own health and circumstances.

Finally, take the lesser of these two ages, retirement or age at death and subtract your current age from it. There's your number to enter here--how many years you'll want to insure for. As with all these answers, remember that the more accurate your guess winds up being, the more accurate the resulting suggestions and reports will be. As usual, you may click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials Ready for more guess work? Here's the question. Over the period of years you enteredd in the "years to insure" and until you expect to die, what interest rate, what "rate of return" do you expect to get on your savings/investments? There are so many variables here and one can only guess what the future holds. Also, there's the question of how venturesome, or how much risk you're willing to accept. If you intend to put your money in CD's in your local bank to avoid all risk, you can enter a zero or negative 1% here and move on because you won't earn more than just enough to offset inflation (if you're lucky) and taxes on your earnings. If you intend to be more venturesome and invest in real estate, precious metals, and, of course, the stock market, you should expect to see returns that are about 80% of what you've come up with for estimated inflation.

Enter your guess here. As with all these answers, remember that the better your guess winds up being, the more accurate the resulting suggestions and reports will be. As usual, you may click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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ITSBITS Catapult Garage Software Budget Builder Configuration financials Finally, a question you should be able to answer without much guess work. How much additional insurance, if any, do you need. Phrase this another way: is there something, some cause, or someone you want to leave money to when you pass away? If yes, how much? Remember, there are no free lunches...you'll pay for that additional insurance amount each month; so, as always be reasonable. Enter that additional insurance amount (if any) here or leave this entry as zero/blank.

As usual, you may click the "Cancel" button to cancel the activity. Click the "OK" button when you've enteredd the value you want to use.

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View Monthly Budget

If you click the "View" menu option and select "monthly budget" you'll see a report based upon the budget items you've enteredd so far. This bare-budget (not a personal budget) sample gives you some idea of what it might look like:

ITSBITS Catapult Garage Software Budget Builder sample bare budget report Let's talk about what this shows us. Our average monthly income will round to $4,870.67. (Remember there are months with 5 weeks and with 4 weeks. The average is 4.333333 weeks/month.) In like manner, our average monthly expenses will round to $2906.33. Now, you might ask, what is the "escrow" about? Notice that we need to pay the governments $500 per quarter to avoid penalties and late charges (other words for more taxes). There are 3 months in each quarter, so if we set aside the amount shown each month, we will always have enough on hand to give the government the amount of our money they take from us.

Note that this sample has nothing enteredd as savings, so the monthly savings amount is zero. If what's shown includes all our expenses, we're in pretty good shape...we have almost $1,800 left at the end of the month--that's $21,572 per year! Of course, this is only an example to demonstrate what your own budget might look like.

Now, let's assume that the Update Menu option tells us "This is a personal budget." The same bare budget will be shown, but it will be followed by information based upon what you've enteredd under the Configuration Menu options. This new output might look something like this:

ITSBITS Catapult Garage Software Budget Builder sample Personal budget report First on this report is a statement for how much you need to have put aside as emergency savings. In the case of the sample, that's $42.2K. This could cover you if you lost your job and didn't find one for the period of time you specified--in the sample it's six months without work. It would also cover the HVAC failure during your time out of work--when else would it happen? And, finally, if there were a death in the family, one set of funeral expenses. Saving this amount and laying it aside should be a high priority for you and your family...especially in the economic situations prevalent in our world today. (If it sounds like a lot of money, remember you said it would take that many months to find work and the bills, well, they'll just keep coming in.)

Next, on this report is a recommendation, based upon the data given, for the minimum amount of term-life insurance you should have--in our sample case this is $818K. This amount will provide your family with the equivalent of 10 years of your income, it will cover your expected funeral costs, a full emergency savings account ($42K in our sample shown) as outlined above, etc.

Finally, there comes the part of the budget report that is most likely to come as a big surprise...what you need to put aside to retire and live on. To help ease you into this, the report shows the assumptions you've given and that are being used. In our example, almost $2M will be needed at the end of 29 years. This means you'll need to save $3,778 per month to achieve your stated goals--that's over $45K per year for someone with only $58K per year as total income. It's impossible. We've shown this example just so you'll know that you're not alone. You can look for better pay. You can work at a second job, etc. You may have to be more realistic about your future. At any rate, it's better to know this now and to begin working on it immediately rather to discover it at age 63.

On the other hand, if you've come up looking good...congratulations!

Either way, just by having built the budget and having seen what you're up against, you're ahead of about 75% of all Americans who will get a rude, unwelcomed surprise later in life--to late to make up for it in many cases.

Before we leave, let's consider one other possibility that some people will see. To simulate this, we've ignored the weekly paycheck (income) used in the sample shown above. Now the results of this analysis look something like this: ITSBITS Catapult Garage Software Budget Builder sample Personal budget report

With no income, we've forced this report to show that the person is in serious trouble. They are going backward at a clip of $37K per year. (Of course, it's not really that bad since there would be no tax payments on income, but we're just trying to show what the tool offers.) Below the budget is an analysis telling you how short you're falling and what you must do to avoid going broke. We hope you'll not see such a report come out, but if it does, at least you'll know how much you have to cut from your expenses or add to your income to stay afloat. Again, you're ahead of most folks just by knowing where you are.

Oh, and just in passing, there are two buttons below the budget report. One will let you print the report. The other will let you close the report and return to the budget-building mode.

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Budget Grouping

ITSBITS Catapult Garage Software Budget Builder sample Item Analysis Block Sometimes you look at your budget and wonder what a group of things are costing you...the total amount. Let's assume for a moment that you have a group of five properties you're paying property taxes on. You look at the budget and the question pops into your mind, "How much am I paying those people in property tax?" Using the tool, you can easily find out. Just click on each item you want to group together and you'll see an "Item Analysis Block" that might look something like the one shown at right.

ITSBITS Catapult Garage Software Budget Builder sample Budget Grouping


Notice that the block tells you that all you have to do to open a budget grouping is to right-click the item analysis block. So, move your mouse to the block and click the right mouse button. This will bring up a budget grouping window (with only one item in it.) Repeat this for the other items you want to include in the grouping. Finally, hit the "Totals" button on the budget-grouping window to get your answer. This will produce a budget-group totals block something like this: ITSBITS Catapult Garage Software Budget Builder sample Budget Grouping

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