EOD Deluxe Budget 2.0


EOD Budget has finally been upgraded!!
(EOD Deluxe Budget Version 2.0)

If you have been wondering where I have been, here is your answer.  I have been working hard to upgrade the EOD Budget so that your budgeting experience will be easier, better, and faster!  I have added lots of new features including an Allocated Spending Plan and a Checkbook Registry.  I have added some new content to the Savings Worksheets, as well as implemented a color coded system so you know what areas need your information.  Yellow cells are the only cells you need to enter your info in.  Mint Green cells have formulas and need no special entries by you.

I hope you enjoy this upgrade and I would love to hear from you.  Just bookmark this post and leave any comments and suggestions in the comments section below.  If you think of something that could make this budget better let me know.  I have tried to look it over with a fine tooth comb to make sure everything works the way it is supposed to.  If you find something that does not seem to be working properly, please contact me!  Thanks!

Enemy of Debt is the place to come for your budgeting needs.  Please tell a friend about this free download so they can benefit from it too!!  Please Enjoy and Happy Budgeting!

Creator & Writer (EOD)




About Brad Chaffee

10 Responses to “EOD Deluxe Budget 2.0”

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  1. Julie says:

    Thank you for EOD v. 2.0. Just a logistical question: For the EOD Budget sheet, does this become a template that you would copy for each month?


  2. Brad Chaffee says:

    Hi Julie! The pleasure is all mine. Yes, whatever you save it as, keep that one as your back up. Then when you personalize it for each month, you just save it as something like “January 09 Budget”. When you are ready to do February just pull up the January budget and after you enter February’s numbers save it under a different name. (Ex. February 09 Budget) You shouldn’t have to do any copying as long as you save the next month under a different name. I have a folder named “Budget”, and in that folder I have a folder for each month of the year. The key is to remember not to delete or edit any of the green cells. If that happens then you would just pull up your back up copy, or a budget from a previous month. In most cases you can just click edit and then undo. I hope I have answered your question and thanks for giving my budget a try! I hope to hear back from you to see what you think of it.

    Thanks again!

  3. Golda Edwards says:

    This is awesome!! Thanks for putting it all in one place for all of us who want to get debt free and make a plan for our money. You the MAN!!!

  4. Dave says:

    Hey Brad, Thanks so much for all of the wonderful advice and taking the time to help others…quick question, my wife and I cut up all of our credit cards, but we got punished for it as when we went to get our mortgage, it affected our credit scores, and banks frowned upon the fact we had no credit card debt, which we thought would be looked at as good in todays market. What are some ways around that? Thanks.

    All the best to you and your family

  5. Kristin says:

    Maybe this shows why I have budget problems to begin with, but I don’t understand how to actually fill this out. Among other things, I have very few expenses that are weekly. I am just so confused, which is probably why my finances are a mess! Thanks for any help. Kristin

  6. Brad Chaffee says:

    @Dave- The truth is in order to maintain a FICO score you have to borrow, and since I am against that, with the exception of a house, I would suggest that you find a mortgage person that does manual underwriting. (The way mortgages were done before FICO) Instead of going by your score they would use real life indicators to determine your ability to pay back the loan. I hope this helps! Thanks for stopping by!!

    Kristin- Hey and do not beat yourself up too much. Spreadsheets are a bit intimidating at first for most people. I usually suggest that people only use the left side of the budget (zero based budget) when starting out. The allocated spending plan is for when you get the hang of things and is used to tell each dollar of each paycheck where to go. For instance you know you budgeted $200 for groceries for the month but out of which paycheck will you fund that category?The main thing to know is that you just need to fill out the tan areas of the budget, including the income section in the middle. You can change the names of your expenses to fit your bills more closely, what I have there by default is just for guidance. The green areas have formulas and need no change.

    Column B- You can customize this column. (ex. change Mortgage to Chase etc.)

    Column C- Enter the amount you would like to spend for the month in this column.

    Column D- Enter something here whenever you pay the budgeted amount off or spend some of it. (ex. sometimes you may not spend all of your grocery money all in the same trip, so you would need to put in $100 if you spent 100.

    Column E will show you that you have $100 more to spend. When you spend it make sure you record it, so that column E shows $0.)I hope this helps you and please feel free to contact me about any more questions. **For the people who hate spreadsheets I am trying to work on budget forms that can be printed right from the site!J37- This number needs to be zero which means you have to make sure you tell every single dollar from the income section where to go. When you do it will be zero.

  7. Carol says:

    It’s ok to delete rows from the spreadsheet if they will not be used, right? For example, I only get paid twice a month,I have only three credit cards, no student load and no HEL.

    Thanks, Carol

  8. Carol says:

    Ok, thank you. I will leave it as is!

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