{"id":1480,"date":"2020-04-04T08:27:47","date_gmt":"2020-04-04T08:27:47","guid":{"rendered":"https:\/\/optimizingfi.com\/?p=1480"},"modified":"2026-04-07T23:33:58","modified_gmt":"2026-04-07T23:33:58","slug":"optimizing-personal-finances","status":"publish","type":"post","link":"https:\/\/optimizingfi.com\/en\/optimizing-personal-finances\/","title":{"rendered":"Optimizing Personal Finances"},"content":{"rendered":"<div class=\"brz-root__container brz-reset-all brz\">\n<section id=\"_hqcstpqksppbdnkliagxreyfblxmgpavlxkd\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-xbHRA\" data-brz-custom-id=\"fkuaqfjzapetcudbuuvpfzqaxanglytchaqu\">\n<div class=\"brz-bg\">\n<div class=\"brz-bg-color\"><\/div>\n<\/div>\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"hziihbnnvmorhwrjmbgvmvzxuzopafiaorrw\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-mPNLp\" data-brz-custom-id=\"ggydoclqslwziidwwklchyklfirpqkrctilz\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"eyvnbbhgfkknpuiduschhioxlladibaunbcy\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-tp-heading5 brz-css-cF91W\"><span class=\"brz-cp-color8\">&#8220;Sometimes the smallest step in the right direction ends up being the biggest step of your life. Tip-toe if you must, but take the step.&#8221; \u2014 Naeem Callaway<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_uhcdsgxaaezzgonuhmxlfwrhlhmjjhlyhbon\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-lBya5\" data-brz-custom-id=\"hspwpaznzfuitfyxlcihnbudjmuxxnteoaep\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"nsqzkqckdifuslokdvcxzqkalboiuqkajkhf\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-ny87l\" data-brz-custom-id=\"ozyahegiflclxgzewmjibgphswabajauqqah\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"gijxxdtpwhujjxeldvdnodxhpfwphzkrwpng\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-r1Gvn\">\t<span class=\"brz-cp-color7\">Below is the layout\/configuration for the optimizing finances worksheet. This covers the column &#8216;A&#8217; of the sheet. The items within each category can be changed to fit your situation and obviously the amounts will need to be put in based on what you want to pay for that period. The periods can be changed as well. We offer 3 standard options a Weekly, Bi-Weekly, and Monthly pay schedule. If something else is desired we have options to have a custom worksheet set up.<\/span><\/p>\n<p class=\"brz-tp-paragraph brz-css-w9Fcy\"><span class=\"brz-cp-color7\"> <\/span><\/p>\n<p class=\"brz-tp-paragraph brz-css-d1YRV\">\t<span class=\"brz-cp-color7\">Across the bottom (tabs) you will see the different worksheets available each with their individual input requirements. This is the complete package with all the individual spreadsheets built in. This becomes the overall budget worksheet for ALL your finances.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_aluderlfqdtnqbsuuyjufteenoqypvizparz\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-fmt63\" data-brz-custom-id=\"fbwzxbnukukoetxfdrbotjrwnrxvmioavqst\">\n<div class=\"brz-bg\">\n<div class=\"brz-bg-color\"><\/div>\n<\/div>\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"ftsqbbsjwcohvxwhcrytenreorgwmhmzqsup\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-fkORq\" data-brz-custom-id=\"nestgsrpyhupfnfcimdmddvgibwmmpjqmbqv\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-jEg9w\" data-brz-custom-id=\"jjspgafzcikzvkvgbrdqjdutnnihgmrbjzrx\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 2<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 3<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 4<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 5<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 6<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Section 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-aghxS\" data-brz-custom-id=\"sjrxnwvrkddpnkoycqwrrrpyhyopugkinlck\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-1-1096x487x0x0x1096x487x1586852159.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"izxgtovlnwohhogcbxihjlojcrsatpohchwe\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-css-rUzFQ\"><span class=\"brz-cp-color8\">This first section covers your Income and Accounts.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Section 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-kMzal\" data-brz-custom-id=\"zrogpouszmyqpcczohewzkxxrxvydnfyxmop\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-2-1096x484x0x0x1096x484x1586852294.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"ernewqfpqtuskjcjajowhkifaitdrqnkcsng\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-nPCCo\"><span class=\"brz-cp-color8\">This second section covers Necessities and Essentials<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Section 3<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-mjFk9\" data-brz-custom-id=\"aqwxkaxhrccbejkuouulpfowgikiiwsweyuv\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-3-1096x488x0x0x1096x488x1586852396.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"mwfnwxsbbrixkypeaqsdqafrtoiprsljdone\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-mBdkQ\"><span class=\"brz-cp-color8\">This third section covers your Debts and Business<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Section 4<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-xUxAE\" data-brz-custom-id=\"qenvkwewqnevggvsrubwulfkkyhtznzfcacf\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-4-1096x488x0x0x1096x488x1586852485.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"uvthlisdxrkbynusodciuhhzmldkdxrwcnju\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-pRxND\"><span class=\"brz-cp-color8\">This fourth section covers Education and Miscellaneous<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Section 5<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-y7xqa\" data-brz-custom-id=\"wfzgpuegkovhpehkxyfnsyjrhkyhlpovuirk\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-5-1096x487x0x0x1096x487x1586852574.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"mkacresqnodsvtbjezazckeubjwsghacwyar\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-bcjPE\"><span class=\"brz-cp-color8\">This fifth section covers Entertainment<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Section 6<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-lYF9K\" data-brz-custom-id=\"hxotnvwancvllpxwynpvkwcrjfrknknigovu\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-6-1096x490x0x0x1096x490x1586852667.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"utnnxdbkgxkyfmdwzvcbmehlpqbspiwixetp\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-fw-xs-im-400 brz-fw-sm-im-400 brz-fw-lg-400 brz-ft-google brz-ff-fira_sans brz-ls-xs-im-0 brz-ls-sm-im-0 brz-ls-lg-0 brz-fs-xs-im-15 brz-fs-sm-im-15 brz-fs-lg-16 brz-lh-xs-im-1_6 brz-lh-sm-im-1_6 brz-lh-lg-1_9 brz-css-wd_4m\"><span class=\"brz-cp-color8\">The sixth and final section covers all your category totals<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_ruchqkrinoobbuknrfqxxdcdzhphvvildyxp\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-axqm7\" data-brz-custom-id=\"vvnvnyssubpdqqrbttfjbudsuxikevtdqkir\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"gqwnxwuinyilhllbuouwwxtodkdlsglsucfi\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-jbdQ4\" data-brz-custom-id=\"wwpmrrvqwhbecyjsojkjhovljymjxfklohth\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"aaobfbudteeudikwvjlxgqshnyivkoycwinh\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-css-fX1tq\">\t<span class=\"brz-cp-color7\">Below is the layout\/configuration for the optimizing finances worksheet. This covers the tabs across the bottom of the sheet. These tabs stay the same on all variations of this spreadsheet (Weekly, Bi-Weekly, and Monthly pay schedule). If something else is desired to be added we have options to have a custom worksheet set up.<\/span><\/p>\n<p class=\"brz-css-f7FZ9\"><\/p>\n<p class=\"brz-tp-paragraph brz-css-dga22\"><span class=\"brz-cp-color7\"> <\/span>\t<span class=\"brz-cp-color7\">Across the bottom (tabs) you will see the different worksheets available as well as each month of the year, each with their individual input requirements. The individual tabs will be covered in more detail later.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_qxwgerbydkaqbbazmgnmbibnficmsaavckoa\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-gYeT8\" data-brz-custom-id=\"qvafddalpqtivtjlprxpssynfmqcwotudskr\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"dyefursbytpedeplphcllzzztgyzwluqqxxn\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-yAJje\" data-brz-custom-id=\"lqjybsyosqwaqrseoasydknckmwopnjrkmqa\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-g1T9V\" data-brz-custom-id=\"iagyphmzucwmofcliyfekgaiggnxdbtsyywa\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Section 2<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Section 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-ml5zn\" data-brz-custom-id=\"wuilfhfdllmxjdnbtwmqiaixoapqyayvtkro\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-7-1096x563x0x0x1096x563x1586852996.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"jpsvbvqlskjenzwtakxvtyafmtfxeqirvhyn\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-fw-xs-im-400 brz-fw-sm-im-400 brz-fw-lg-400 brz-ft-google brz-ff-fira_sans brz-ls-xs-im-0 brz-ls-sm-im-0 brz-ls-lg-0 brz-fs-xs-im-15 brz-fs-sm-im-15 brz-fs-lg-16 brz-lh-xs-im-1_6 brz-lh-sm-im-1_6 brz-lh-lg-1_9 brz-css-wltiH\"><span class=\"brz-cp-color8\">This first section is covering the monthly tabs at the bottom up to October<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Section 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-tj83N\" data-brz-custom-id=\"ywmkhklmveizitloryrrugprkbumcdcrpyvh\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-8-1096x497x0x0x1096x497x1586853103.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"jvnrbjmagxtqnxdidiocftqzkuvecyucisje\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-tp-paragraph brz-css-zd0GU\"><span class=\"brz-cp-color8\">This section is covering the remaining months and the Amortization schedule <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_alrddpdaykdryswxrlwasjdkjzmiaeyoaznn\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-dMXBo\" data-brz-custom-id=\"nexzpnlqetnpqfbjzlbkbennjhikzaghlhhd\">\n<div class=\"brz-bg\">\n<div class=\"brz-bg-color\"><\/div>\n<\/div>\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"nfrikmsokfpihedwxfttaeigvmfxfedfokxm\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-x_zel\" data-brz-custom-id=\"tntbtxwylwhwstdhsecnodsnkihnuyxuhdga\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"mcxkyccgyqskwsbzyhczxubhihkpkmhnmvlz\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-tp-heading3 brz-css-lqF9_\"><span class=\"brz-cp-color8\">Let&#8217;s cover the individual tabs!<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_uahobbuukevdxapzcthztthxqwiifamwftiw\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-eKlmd\" data-brz-custom-id=\"ftbxpnqnbsyxethquhsxuwoquvosalqnkmtl\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"jlmxjurnzrrerovyefhrdshhjjanufvnexzg\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-wK5Iv\" data-brz-custom-id=\"bqfmtsshnawnovnmljinslpxigydyeqndgug\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"rdghdcpcrdxibgfqusutrxwbosptoplvuvwk\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-l_1zL\">\t<span class=\"brz-cp-color7\">The first tab is dedicated to the <\/span><a class=\"link--external brz-cp-color7\" href=\"https:\/\/optimizingfi.com\/downloads\/spending-tracker-challenge\/\" data-brz-link-type=\"external\" target=\"_blank\">Daily Spending Tracker<\/a><span class=\"brz-cp-color7\"> (<\/span><a class=\"link--external brz-cp-color7\" href=\"https:\/\/optimizingfi.com\/2020\/04\/04\/shocking-little-challenge\/\" data-brz-link-type=\"external\" target=\"_blank\">Shocking Little Challenge<\/a><span class=\"brz-cp-color7\">). With this sheet you track your daily spending to get an idea where your money is going throughout your day. The premise behind this is that we usually do not have a good grasp on where our money goes every day. This is usually because we over look certain items and do not think they are a big deal or that they could have a negative impact on our over all budget or finances. It has proven to be an eye opener for most people. Knowing this is the first step in building a real budget.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_cfftjsylktlbtmlwriizxibpmaijcaticxgw\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-fcsSi\" data-brz-custom-id=\"lnpryuaqoisxyqidmmimnyojlxktoxonygot\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"mjylqwstuimlyvfdzxqyzvaarratwmjcxajd\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-ssFaH\" data-brz-custom-id=\"qxeqrjgfdwevkopqvizpygtdiyonqmfxmxly\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-mZrDB\" data-brz-custom-id=\"galwfbjzxlisxkqedkavvpfnleimyeltccyu\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 2<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-xehaR\" data-brz-custom-id=\"vigharrgpitxejckwdklndexjhdshzjnejqf\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-10-Tracker-822x692x0x0x822x692x1586853654.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"kcvpooggjebgxmzjcnvzqugjqouwvfqpsdcs\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-opK6B\"><span class=\"brz-cp-color8\">This is how the sheet looks when initially opened<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-gPEE6\" data-brz-custom-id=\"ainvputnbpqwjspaptnbbgsrgwytbiuaferh\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-10.5-Tracker-822x695x0x0x822x695x1586856445.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"ulrbtnkebhrgwkvhikxhhljpzfpzihyfwiwa\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-text-lg-center brz-css-kWRjw\"><span class=\"brz-cp-color8\">Here is what a typical &#8216;Daily Spending&#8217; looks like. The two columns with the check box allow you to specify if your purchase was an essential one. Everything other than the Gas could have been provided from home.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_hjaahotdnzkvkiboahbtodnwkbqbapilbzxw\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-hyHsI\" data-brz-custom-id=\"oiounnujeaskqfisevacjfxpraiigybzecei\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"prwblheftvddppmdmtvivfwewogohklrryko\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-qz58c\" data-brz-custom-id=\"hyfpubrqbfjvpybxuwiqcmlkqbdxcaoousxx\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"wrylfmeacyqolhwycbfcacuglapdxtahxopz\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-nB7aD\">\t<span class=\"brz-cp-color7\">Taking the inputs from above at the bottom of this spreadsheet is a built in calculator that totals all your spending and then shows what that impact looks like over various time periods as well as what that same amount could look like if invested. The amount used for the investment calculation is 5% which is very conservative based on long term investing. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_ekveypbmmctkrcznmnfgmxngpfiaurvszfwb\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-ocy60\" data-brz-custom-id=\"vrvfewjupjenllnpcjaazwqnahbxblxzpjek\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"wbplqgytgvbccpswrehgvohuamsojfhyuwhb\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-yed5D\" data-brz-custom-id=\"lewuvbjzpodztidzlqqycahchbguvcsxdynt\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-jnisR\" data-brz-custom-id=\"ssukxgnbiztmthvcnuvbceaehsocnyfevfbr\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 2<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-s1QrM\" data-brz-custom-id=\"bfubucfnmccimmidjcjghzsanfqsujkjsjub\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-11-Tracker-822x581x0x0x822x581x1586854459.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"etizhgfjcxglsopoygnkjpugubhkzcudgnmn\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-clazJ\"><span class=\"brz-cp-color8\">How the calculator looks when first opened<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-zuzkF\" data-brz-custom-id=\"rdwxmepwyzeorfiwrldlatyfeiutvmhaybxd\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-11.5-Tracker-822x696x0x0x822x696x1586856508.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"pplwyagwykfkvstlkkbkulygsjuyflxkldic\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-ub14N\"><span class=\"brz-cp-color8\">Using the numbers from the example above this calculator now shows you the real impact<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_ndykhqaqjmruyadihhlnkhlhkqeezjzcylgz\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-smtLC\" data-brz-custom-id=\"cdvjlrxqyxbmwuqdgxjezizjzijtpfdkjjjz\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"qkzekvcekjbbrfgbmmlhqkgixnifzkrytvrl\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-vugKl\" data-brz-custom-id=\"rrzghpnifycairrenjuytosjyhfojbrdfujx\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"qqrzwxrnihypsbdjnxltmcjkovbdrvraqqkj\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-mnYpZ\">\t<span class=\"brz-cp-color7\">The next tab we come to is the &#8216;<\/span><a class=\"link--external\" href=\"https:\/\/optimizingfi.com\/downloads\/monthly-budget-builder\/\" data-brz-link-type=\"external\">Build Monthly Budget<\/a><span class=\"brz-cp-color7\">&#8216;, this sheet is the collection of all your information before you start your pay period schedule. This will allow you to see where all your money is going for the entire month. This is also available as a separate purchase but, included in here to help build out the next section, which is the &#8216;Dashboard&#8217;. We call this &#8216;Build Monthly Budget&#8217; your average monthly bills and it is used as a comparative tool to your pay schedule tracking.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_ofcpurbbeiimsbcrsmyvwitkesuojauajocu\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-h2Lvg\" data-brz-custom-id=\"uezwlnoprlldqywijivdajbtdmxtfinobbpw\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"yeqhxuvivqifqgxjjhjjluvmppjpotpxhgqa\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-dsoxZ\" data-brz-custom-id=\"qdcbcumohkvqsyexanectbfetjkblxdpneqj\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-qNL1S\" data-brz-custom-id=\"gnltprlvmsccjgyelrxasvliiqcymooyudtz\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 2<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 3<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 4<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-byGYS\" data-brz-custom-id=\"ddpsdwlsfwzlikemhrrpczpasumznznewoqr\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-12-Avg-Budget-1-822x531x0x0x822x531x1586977466.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"fdlsvxhsgoodczdrbcaikxbythwxtbelpfcv\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-fjnnw\"><span class=\"brz-cp-color8\">This sheet is laid out just like the optimizing finances budget sheet. You input your Monthly totals for each item. The items within the categories can be changed to reflect your situation.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-ih0yS\" data-brz-custom-id=\"bndqgecflghklvjaaefvtdspnytasuabdhvk\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-13-Avg-Budget-822x532x0x0x822x532x1586977536.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"ttigeiwgiweieekyzxzvksbbvzpctadmumzt\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-bGV4d\"><span class=\"brz-cp-color8\">This calculator gives you the yearly overview (again just the average) of your monthly income and expenses.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 3<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-x9tdE\" data-brz-custom-id=\"lfukfutozzzqjgnznnjreyumbqzpskismbzh\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-27-Avg-Budget-Amounts-937x531x58x0x822x531x1587083533.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"bxwhdajlntpypooghcimsexghxywamuxfkgh\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-fw-xs-im-400 brz-fw-sm-im-400 brz-fw-lg-400 brz-ft-google brz-ff-fira_sans brz-ls-xs-im-0 brz-ls-sm-im-0 brz-ls-lg-0 brz-fs-xs-im-15 brz-fs-sm-im-15 brz-fs-lg-16 brz-lh-xs-im-1_6 brz-lh-sm-im-1_6 brz-lh-lg-1_9 brz-css-ewFUG\"><span class=\"brz-cp-color8\">This how your Monthly totals will look as entered. The items within the categories can be changed to reflect your situation.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 4<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-uGCLI\" data-brz-custom-id=\"fdejtytojfyhrgbstfkdfscuakoyhwxwypge\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-28-Avg-Budget-Amounts-822x537x0x3x822x532x1587083596.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"uspyxwwqckpbyutrucdtvaxcxysrspgwnetg\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-fw-xs-im-400 brz-fw-sm-im-400 brz-fw-lg-400 brz-ft-google brz-ff-fira_sans brz-ls-xs-im-0 brz-ls-sm-im-0 brz-ls-lg-0 brz-fs-xs-im-15 brz-fs-sm-im-15 brz-fs-lg-16 brz-lh-xs-im-1_6 brz-lh-sm-im-1_6 brz-lh-lg-1_9 brz-css-hu_JR\"><span class=\"brz-cp-color8\">This is how the calculator looks when you start plugging in numbers. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_cdjujivpidxnaqewddynejnyhkvesfxroipk\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-futVu\" data-brz-custom-id=\"xbmqqaepomccmjhjbidzfckiehcbwoyxtydo\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"drtorxoczjpsmkogjxamgqsiqalfitzaacrr\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-xqxqx\" data-brz-custom-id=\"wsnsvzcmqzhtcbzqzqszqlcemzdoxptxqtwx\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"rnifalvuliewywgsvyxckmkyyfxtwepcvjzg\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-l1C8n\">\t<span class=\"brz-cp-color7\">This next section covers the Dashboard tab. This tab will give you a complete overview of your budget, allowing you to find ways of optimizing your finances. There are no inputs in this tab. Everything is calculated in the back ground using all of your provided information from all of the sheets. The more complete and accurate the input is the more you will gain from this dashboard.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_uerbjdaetpxlmxjqxapnnlmvvnxhxihdgnak\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-piQpW\" data-brz-custom-id=\"voomcnfbznimdulfhbtyaezpzrucvfeurzbj\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"cmizgxeombiwsaigwdzfeihdsgnmeafeapyk\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-a1WLJ\" data-brz-custom-id=\"zhvbdpbaipamiscmvpvcomcorbdlwvwapfxy\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-xkWx6\" data-brz-custom-id=\"sizqoucpvqkqwumchyjgujpvymhymadsnppu\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 2<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 3<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 4<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 5<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 6<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-edA1l\" data-brz-custom-id=\"aytdsgbvdymczvjodzwhxxqdzuhxihksitsv\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-14-Dashboard-1096x503x0x0x1096x503x1586997853.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"ednefdavdbfkvuenoelgxuxtxlbsmerufgpd\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-tL6W6\"><span class=\"brz-cp-color8\">This is how the Upper Dashboard starts out prior to any data being entered.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-i5Vvc\" data-brz-custom-id=\"olzvsitijwdcyhnspwcpfebrpxevnmsirvcf\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-15-Dashboard-1096x507x0x0x1096x507x1587065709.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"hmttugejfnbbwnjmgiwkqlozdcweoczlbzig\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-pABn6\"><span class=\"brz-cp-color8\">This is how the Lower Dashboard starts out prior to any data being entered.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 3<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-aFLC7\" data-brz-custom-id=\"popwipmuqeocqehagowwjgnjsoqcuvztzzoy\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-22-Dashboard-1096x507x0x3x1096x502x1587083953.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"krvfqssrjtpbsulivwqdwzttwlqwauqmipbi\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-fp1Rm\"><span class=\"brz-cp-color8\">Just adding in the numbers for January and the Upper Dashboard comes to life<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 4<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-tbD5I\" data-brz-custom-id=\"qxvnlhxgmkklngjubgfgyzlqpenpnuqqipux\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-23-Dashboard-1107x507x5x0x1096x507x1587084086.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"prlphspuhpaiapeeqaciyncopxvwtyiwbdmm\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-yoCQ2\"><span class=\"brz-cp-color8\">Just adding in the numbers for January and the Lower Dashboard comes to life<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 5<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-c2G6_\" data-brz-custom-id=\"pivmsqpzjpismbffkzortmzaenftudhhbonf\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-24-Dashboard-to-May-1096x504x0x0x1096x504x1587084178.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"ouphdtpmhpzmjwwwjxffjywwamapjfgydayk\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-w2nrt\"><span class=\"brz-cp-color8\">Continue adding in numbers for additional months and the Upper Dashboard continues to adjust.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 6<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-x21JY\" data-brz-custom-id=\"swigkxmhvtaiuvdpsteekamgsvghmvcajajp\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-26-Dashboard-Apr-1096x506x0x0x1096x506x1587084268.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"lspbycufmhikarsktxjzqgoplgmgskhjayoi\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-css-qbChs\"><span class=\"brz-cp-color8\">As you continue adding in numbers for additional months you can now select a month in the Lower Dashboard and see your performance for that month.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_qzegjhcnypavcbfppruudwgnexawgbvweckj\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-lSzfm\" data-brz-custom-id=\"odzmmmkyaznwlmfpbuinogvkfhkpxczdcjww\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"ujtwwekumrewnfxbgexxhhqzfvqmqtgnfqus\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-xjW19\" data-brz-custom-id=\"iwoewpwnocvvdihniasmqmhehzgzzlufiiiq\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"fxjgvkjorvksvecongsbmwsngfhcqkokeepz\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-vnFSp\">\t<span class=\"brz-cp-color7\">Now this tab is where some of the fun happens and we get to start thinking about our future and how we want it to look. This is the Emergency Fund Builder. This is another tab that requires no input and calculates everything in the background from your provided input. There will be an additional calculator added on to this in the VERY near future showing you how you could retire early. Check out my blog series on <\/span><a class=\"brz-cp-color7 link--external\" href=\"https:\/\/optimizingfi.com\/2020\/04\/04\/intro-to-fire\/\" data-brz-link-type=\"external\" target=\"_blank\">FIRE<\/a><span class=\"brz-cp-color7\"> (Financial Independence Retire Early). This could change your entire perspective as well as short term and long term goals.<\/span><\/p>\n<p class=\"brz-tp-paragraph brz-css-zzbjm\">\t<span class=\"brz-cp-color7\">For now, lets take a look at the beginning of this tool. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_pilnhemnkwfshfczezerbwatwmuayvffbtpi\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-mwjox\" data-brz-custom-id=\"iggtghhrnumcyagggxiihtvtjliaksnsvrre\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"fsmwfmypqqdzwzvfaudmghwtvinosmbqbgod\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-lFqgJ\" data-brz-custom-id=\"kxistmysvbxirqnvsdiwwrgjysimwcjexecm\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-hnKUu\" data-brz-custom-id=\"beeaqioclmcwrtwwmsrfdaiwmnztjebhguvi\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 2<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-pyudM\" data-brz-custom-id=\"ltvuimciramgdtifaurzzytsdfglzwelrkwi\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-16-Emergency-Fund-Builder-1096x466x0x0x1096x466x1587086497.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"ymkumagsxvuerxoumvesaniugdxmqlpkroak\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-fw-xs-im-400 brz-fw-sm-im-400 brz-fw-lg-400 brz-ft-google brz-ff-fira_sans brz-ls-xs-im-0 brz-ls-sm-im-0 brz-ls-lg-0 brz-fs-xs-im-15 brz-fs-sm-im-15 brz-fs-lg-16 brz-lh-xs-im-1_6 brz-lh-sm-im-1_6 brz-lh-lg-1_9 brz-css-utHIq\"><span class=\"brz-cp-color8\">This is how the Emergency Fund calculator looks prior to any input.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-nqQ4J\" data-brz-custom-id=\"dyfytescuzmfyjarranqpwivnaorctzdzrja\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-29-Emergency-Fund-Builder-1096x459x0x0x1096x459x1587086620.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"fvxqjlesjewgkrextouafgephxnwjatzhibj\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-fw-xs-im-400 brz-fw-sm-im-400 brz-fw-lg-400 brz-ft-google brz-ff-fira_sans brz-ls-xs-im-0 brz-ls-sm-im-0 brz-ls-lg-0 brz-fs-xs-im-15 brz-fs-sm-im-15 brz-fs-lg-16 brz-lh-xs-im-1_6 brz-lh-sm-im-1_6 brz-lh-lg-1_9 brz-css-gnO5h\"><span class=\"brz-cp-color8\">The calculations are generated when you complete your &#8216;Build Monthly Budget&#8217; tab<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_emntiebulxymfcxzeqhzntxsosqzwecmmqzd\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-mItUH\" data-brz-custom-id=\"mosawfspsbkefgfjssgdrvgdigamezzhdfei\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"rqoqklpwtjjmafbberjzimdfefbfbhamtsyp\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-f9XET\" data-brz-custom-id=\"mvlptivqemmekxopmfdvvgoytaueaantjhur\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"ywfhpdglfphhajojrdywmnkuwoiebpfgkgzp\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-tnfZ5\">\t<span class=\"brz-cp-color7\">Last but, not least tab is the loan amortization schedule. This is a pretty typical schedule. All you need to do is add your information in the white cells in the top calculator. The rest takes care of itself. This also has the check off feature so you can track your payments.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_clsghzrmzkxgskktdzlmzhttfyavivhpkuxy\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-g3Uzd\" data-brz-custom-id=\"owdfvpnbsnlobfqylsuwztximqgidcjvudzo\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"qitxgzazrdmoagvxptasntooaraqdfqnhapx\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-aNvgJ\" data-brz-custom-id=\"efyrlwndwklsfaggmoyyjcdjytqsrzknioot\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div data-brz-action=\"hover\" class=\"brz-tabs brz-tabs--horizontal brz-tabs--style-1 brz-tabs--left brz-css-dxXdo brz-css-gtjfJ\" data-brz-custom-id=\"tvxqzlhlvmlchzrtrdsensqyzscuubymvgnw\">\n<ul class=\"brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-1 brz-tabs__nav--left\">\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 1<\/span><\/div>\n<\/li>\n<li class=\"brz-tabs__nav--item brz-tabs__nav--desktop\">\n<div class=\"brz-tabs__nav--button\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Tab 2<\/span><\/div>\n<\/li>\n<\/ul>\n<div class=\"brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-1 brz-tabs__content--left\">\n<div class=\"brz-tabs__items brz-tabs__items--active\">\n<div class=\"brz-tabs__nav--mobile brz-tabs__nav--mobile--active\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 1<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-pCgzM\" data-brz-custom-id=\"vnmwlqscvdlrvhmpkyhjgdhzvnboyoegrjmz\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-30-Loan-Amortization-1096x613x0x0x1096x613x1587094848.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"cvcrluhxmywywkspgucvvezogyjbtkvhpqcl\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-text-lg-center brz-css-uqs9q\"><span class=\"brz-cp-color8\">This tab is your loan amortization schedule. All the values in the top block should be changed to reflect your loan. You can make duplicates of this tab for every loan you have.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-tabs__items\">\n<div class=\"brz-tabs__nav--mobile\">\n<div class=\"brz-tabs__nav--button\"><span>Tab 2<\/span><\/div>\n<\/div>\n<div class=\"brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-image brz-css-bibLB\" data-brz-custom-id=\"kelvzxzionrjzbxfrblqqzrqbdeodcssrynm\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"brz-img\" src=\"https:\/\/i0.wp.com\/optimizingfi.com\/wp-content\/uploads\/brizy\/imgs\/Optimizer-Sheet-31-Loan-Amortization-1-1096x613x0x0x1096x613x1587094992.jpg?w=1180&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/div>\n<\/div>\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"jftnwvfrgglfeugxedmnqgjinfdgiounflee\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-text-lg-center brz-lh-lg-1_9 brz-lh-sm-im-1_6 brz-lh-xs-im-1_6 brz-fs-lg-16 brz-fs-sm-im-15 brz-fs-xs-im-15 brz-ls-lg-0 brz-ls-sm-im-0 brz-ls-xs-im-0 brz-ff-fira_sans brz-ft-google brz-fw-lg-400 brz-fw-sm-im-400 brz-fw-xs-im-400 brz-css-vB1cI\"><span class=\"brz-cp-color8\">You can tarck your payments using the check box in the last column<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_yqltspqigrhcfaemdmtqxppitfmnqvxppqju\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-cT2FE\" data-brz-custom-id=\"yjhttnjpnznwjkkqerskvajubkwbitmwbokf\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"ewybzcepzuehkmquldfkynyzlngpayehhuew\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-oNLVR\" data-brz-custom-id=\"vijoqpvuimxvgmtdaebjcfqrhfrxxwwebstc\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div id=\"\" class=\"brz-css-b1L32 brz-wrapper\">\n<div class=\"brz-rich-text brz-rich-text__custom brz-css-nsEpE\" data-brz-custom-id=\"fcuwoqsjnmebrblqdfwsftdrfazsqttpyspl\">\n<div data-brz-translate-text=\"1\">\n<p class=\"brz-tp-paragraph brz-css-qBiHY\">\t<span class=\"brz-cp-color7\">We have covered a lot here in this post. I hope you can see the additional benefits of this worksheet and take advantage of all the ease and convenience that is built in for you. If this is missing something you find valuable or would be beneficial for your situation just let us know. We have a custom system that can be set up just for you.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section id=\"_vioaijbeqfcsnnjgtilvknigquoqxerdqjhr\" class=\"brz-section brz-css-cjV5p\">\n<div class=\"brz-section__content brz-section--boxed brz-css-hfX2v brz-css-lvYLI\" data-brz-custom-id=\"cwthmtubblalntmdsqxezlhlnpfhxdyfyytb\">\n<div class=\"brz-container brz-css-alOg9\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"fcddskadrscyuqibiycpxklrfyxzvbpumimy\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn\" data-brz-custom-id=\"jknnbsdgqantntozpeblklltcgijecufiqjb\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"mmdxcmopulhmxjwqgvhxvfggfkufmzkdafws\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-row--inner brz-css-w6lcX brz-css-nGhqB\">\n<div class=\"brz-columns brz-css-pofFn\" data-brz-custom-id=\"tgurmcuofjezacyisyhxocryzzuwqqoqoimr\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-wrapper-clone brz-css-zO8CI\">\n<div class=\"brz-d-xs-flex brz-flex-xs-wrap brz-css-mJ3ee\" data-brz-custom-id=\"\">\n<div class=\"brz-wrapper-clone__item\" id=\"hkmxipwndhqoqtbhumkvfpctoeulervrrtdv\">\n<div class=\"brz-hover-animation__container\" data-brz-hover-animationid=\"nndgterbuzqgzdiepfgehbejlxksexxxortg\" data-brz-hover-options=\"%7B%22duration%22:600,%22iterations%22:1%7D\" data-brz-hover-reversible=\"true\" data-brz-hover-target=\"%22firstChild%22\"><a class=\"brz-a brz-btn brz-css-l6mT5 brz-css-f_1f8 brz-css-xuNbS brz-css-z6o5V\" href=\"https:\/\/optimizingfi.com\/downloads\/financial-optimizer-spreadsheet-monthly-pay\/\" target=\"_self\" rel=\"noopener\" data-brz-link-type=\"external\" data-brz-custom-id=\"hkmxipwndhqoqtbhumkvfpctoeulervrrtdv\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Monthly Pay<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-columns brz-css-pofFn\" data-brz-custom-id=\"agfucuwetupyfcynydhxjeghqywjjztbyndh\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-wrapper-clone brz-css-zO8CI\">\n<div class=\"brz-d-xs-flex brz-flex-xs-wrap brz-css-mJ3ee\" data-brz-custom-id=\"\">\n<div class=\"brz-wrapper-clone__item\" id=\"nxjzymyekoopqztayyiuohxhjqidbxywqwcn\">\n<div class=\"brz-hover-animation__container\" data-brz-hover-animationid=\"unexfxifevzpldzgdmryxpxrfdotfcuzrzxi\" data-brz-hover-options=\"%7B%22duration%22:600,%22iterations%22:1%7D\" data-brz-hover-reversible=\"true\" data-brz-hover-target=\"%22firstChild%22\"><a class=\"brz-a brz-btn brz-css-l6mT5 brz-css-jEypq brz-css-xuNbS brz-css-vefWW\" href=\"https:\/\/optimizingfi.com\/downloads\/financial-optimizer-spreadsheet-bi-weekly\/\" target=\"_self\" rel=\"noopener\" data-brz-link-type=\"external\" data-brz-custom-id=\"nxjzymyekoopqztayyiuohxhjqidbxywqwcn\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Bi-Weekly Pay<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"kluugavelmithwzgpqrzdonepltjycpsdeyc\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-row--inner brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-rLDSu\" data-brz-custom-id=\"afudcyovhhtcinaaetpjcdyroldewlqduujs\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-wrapper-clone brz-css-zO8CI\">\n<div class=\"brz-d-xs-flex brz-flex-xs-wrap brz-css-mJ3ee\" data-brz-custom-id=\"\">\n<div class=\"brz-wrapper-clone__item\" id=\"ibjlixacxxcoudrlbxnnutttrzfwcehtbpuf\">\n<div class=\"brz-hover-animation__container\" data-brz-hover-animationid=\"uowiimydkzqrdnjthaymtueyhncnqxgahkhj\" data-brz-hover-options=\"%7B%22duration%22:600,%22iterations%22:1%7D\" data-brz-hover-reversible=\"true\" data-brz-hover-target=\"%22firstChild%22\"><a class=\"brz-a brz-btn brz-css-l6mT5 brz-css-kxNwI brz-css-xuNbS brz-css-ugJs3\" href=\"\" target=\"_self\" rel=\"noopener\" data-brz-link-type=\"external\" data-brz-custom-id=\"ibjlixacxxcoudrlbxnnutttrzfwcehtbpuf\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Weekly Pay<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-columns brz-css-pofFn\" data-brz-custom-id=\"oqwsusvxlcwswdjdunkzeixgjylazmtivbec\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"zwwlcykdjjxqthrvcpaympmzstmtxppkrhqx\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-row--inner brz-css-w6lcX brz-css-nGhqB\">\n<div class=\"brz-columns brz-css-pofFn\" data-brz-custom-id=\"fypkskdqemmjrzzussuylisugzwbafszoakk\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-wrapper-clone brz-css-zO8CI\">\n<div class=\"brz-d-xs-flex brz-flex-xs-wrap brz-css-mJ3ee\" data-brz-custom-id=\"\">\n<div class=\"brz-wrapper-clone__item\" id=\"rbntgbuldvaiaagfwolaqueeyuxavzhijmgw\">\n<div class=\"brz-hover-animation__container\" data-brz-hover-animationid=\"nmauajffhfjbvixvkmkfbbkrzupgvqubfiep\" data-brz-hover-options=\"%7B%22duration%22:600,%22iterations%22:1%7D\" data-brz-hover-reversible=\"true\" data-brz-hover-target=\"%22firstChild%22\"><a class=\"brz-a brz-btn brz-css-l6mT5 brz-css-b7NhY brz-css-xuNbS brz-css-hgLK6\" href=\"https:\/\/optimizingfi.com\/downloads\/all-done-4-u-complete-set-up\/\" target=\"_self\" rel=\"noopener\" data-brz-link-type=\"external\" data-brz-custom-id=\"rbntgbuldvaiaagfwolaqueeyuxavzhijmgw\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Done 4 You<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-columns brz-css-pofFn\" data-brz-custom-id=\"qwhnmhffnpbxkbxgxqbeomkjtsigbvqqhmqv\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-wrapper-clone brz-css-zO8CI\">\n<div class=\"brz-d-xs-flex brz-flex-xs-wrap brz-css-mJ3ee\" data-brz-custom-id=\"\">\n<div class=\"brz-wrapper-clone__item\" id=\"etmpyuqbomnrxasphotbbhhdmemejxddopch\">\n<div class=\"brz-hover-animation__container\" data-brz-hover-animationid=\"ayculrcrzrnsjabnnrijbdubyqycqnlvhhzv\" data-brz-hover-options=\"%7B%22duration%22:600,%22iterations%22:1%7D\" data-brz-hover-reversible=\"true\" data-brz-hover-target=\"%22firstChild%22\"><a class=\"brz-a brz-btn brz-css-l6mT5 brz-css-q1X03 brz-css-xuNbS brz-css-pUTKB\" href=\"https:\/\/optimizingfi.com\/2020\/04\/12\/make-a-personal-budget\/\" target=\"_self\" rel=\"noopener\" data-brz-link-type=\"external\" data-brz-custom-id=\"etmpyuqbomnrxasphotbbhhdmemejxddopch\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Why Budget?<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"qlxqnapkncuecptrlmcnqvmkqkyslzvgzmio\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-css-w6lcX\">\n<div class=\"brz-columns brz-css-pofFn brz-css-jbfKN\" data-brz-custom-id=\"wfslcvgqwbvrwbceejupvtnfjbohkvisxeun\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-row__container brz-css-oupM4\" data-brz-custom-id=\"mywdcrkefgjisdwpdwdauvbbqwpafmxnspmt\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-row brz-row--inner brz-css-w6lcX brz-css-nGhqB\">\n<div class=\"brz-columns brz-css-pofFn brz-css-dalFS\" data-brz-custom-id=\"carbkimnrzgflojhhsnguqpnzobqcirhpwta\">\n<div class=\"brz-bg\"><\/div>\n<div class=\"brz-column__items brz-css-bfpVN\">\n<div class=\"brz-wrapper-clone brz-css-zO8CI\">\n<div class=\"brz-d-xs-flex brz-flex-xs-wrap brz-css-mJ3ee\" data-brz-custom-id=\"\">\n<div class=\"brz-wrapper-clone__item\" id=\"xhsiyygahsfmpvrfqsuokqcssdootvtauisk\">\n<div class=\"brz-hover-animation__container\" data-brz-hover-animationid=\"qkdpvcvfdpubfeumhaxhxxveqokeublndpgq\" data-brz-hover-options=\"%7B%22duration%22:600,%22iterations%22:1%7D\" data-brz-hover-reversible=\"true\" data-brz-hover-target=\"%22firstChild%22\"><a class=\"brz-a brz-btn brz-css-l6mT5 brz-css-hDSFK brz-css-xuNbS brz-css-t_tNE\" href=\"https:\/\/optimizingfi.com\/suggestions\/\" target=\"_self\" rel=\"noopener\" data-brz-link-type=\"external\" data-brz-custom-id=\"xhsiyygahsfmpvrfqsuokqcssdootvtauisk\"><span data-brz-translate-text=\"1\" class=\"brz-span brz-text__editor\">Need Something Else?<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<p>    <!-- version:1732005082 --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Sometimes the smallest step in the right direction ends up being the biggest step of your life. Tip-toe if you must, but take the step.&#8221; \u2014 Naeem Callaway Below is the layout\/configuration for the optimizing finances worksheet. This covers the column &#8216;A&#8217; of the sheet. The items within each category can be changed to fit your situation and obviously the amounts will need to be put in based on what you want to pay for that period. The periods can be changed as well. We offer 3 standard options a Weekly, Bi-Weekly, and Monthly pay schedule. If something else is desired we have options to have a custom worksheet set up. Across the bottom (tabs) you will see the different worksheets available each with their individual input requirements. This is the complete package with all the individual spreadsheets built in. This becomes the overall budget worksheet for ALL your finances&#8230;. <a class=\"moretag\" href=\"https:\/\/optimizingfi.com\/en\/optimizing-personal-finances\/\"><span class=\"space\">&nbsp;&nbsp;<\/span>&nbsp;read more&nbsp;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[16,12,14,15,17,13],"class_list":["post-1480","post","type-post","status-publish","format-standard","hentry","category-spreadsheets","tag-digital-budget","tag-digital-spreadsheets","tag-google-sheets","tag-googlesheets","tag-spreadsheet-budget","tag-spreadsheets"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"brizy_media":[{"id":4540,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/brizy\/1469\/assets\/images\/e4a5d1aeb42faa67d3ca8d6f292a1183899b5ce0.jpeg","name":"e4a5d1aeb42faa67d3ca8d6f292a1183899b5ce0.jpeg","meta":{"brizy_attachment_uid":"e4a5d1aeb42faa67d3ca8d6f292a1183899b5ce0.jpeg","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":4541,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/brizy\/1469\/assets\/images\/2cbbf849f80cc1ddaf7383c1a7d3c02c2a94de69.jpeg","name":"2cbbf849f80cc1ddaf7383c1a7d3c02c2a94de69.jpeg","meta":{"brizy_attachment_uid":"2cbbf849f80cc1ddaf7383c1a7d3c02c2a94de69.jpeg","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":4542,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/brizy\/1469\/assets\/images\/892a9084fbf9486ef022389cb78a17e4c7dc6881.jpeg","name":"892a9084fbf9486ef022389cb78a17e4c7dc6881.jpeg","meta":{"brizy_attachment_uid":"892a9084fbf9486ef022389cb78a17e4c7dc6881.jpeg","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":4544,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/brizy\/1469\/assets\/images\/d6a6c8c324e76ca8108376efd3240f4102e7803f.jpeg","name":"d6a6c8c324e76ca8108376efd3240f4102e7803f.jpeg","meta":{"brizy_attachment_uid":"d6a6c8c324e76ca8108376efd3240f4102e7803f.jpeg","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6229,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-1.jpg","name":"Optimizer-Sheet-1.jpg","meta":{"brizy_attachment_uid":"wp-bb21c1988e645158e6cc4a43c7a71375","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6248,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-2.jpg","name":"Optimizer-Sheet-2.jpg","meta":{"brizy_attachment_uid":"wp-65f0be1b089b025029cfee51aa4c3da9","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6264,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-3.jpg","name":"Optimizer-Sheet-3.jpg","meta":{"brizy_attachment_uid":"wp-b2636b13d854cc671c5e0446686fe2d4","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6281,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-4.jpg","name":"Optimizer-Sheet-4.jpg","meta":{"brizy_attachment_uid":"wp-3e77c8599b84eff0fd5a0f7de19a5efe","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6295,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-5.jpg","name":"Optimizer-Sheet-5.jpg","meta":{"brizy_attachment_uid":"wp-76246f3eaec2b28508ebf32bb6321d28","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6310,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-6.jpg","name":"Optimizer-Sheet-6.jpg","meta":{"brizy_attachment_uid":"wp-d24693ab0126ce9523c33ee9fbd581a6","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6330,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-7.jpg","name":"Optimizer-Sheet-7.jpg","meta":{"brizy_attachment_uid":"wp-15bebec27619ff9b7e5d4e527ff78d16","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6347,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-8.jpg","name":"Optimizer-Sheet-8.jpg","meta":{"brizy_attachment_uid":"wp-22fd3fb6abaef7f00363bb1528a785b4","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6377,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-10-Tracker.jpg","name":"Optimizer-Sheet-10-Tracker.jpg","meta":{"brizy_attachment_uid":"wp-cce776f6e0aff57f97f8b341d0f8b607","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6493,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-11-Tracker.jpg","name":"Optimizer-Sheet-11-Tracker.jpg","meta":{"brizy_attachment_uid":"wp-91e7d8ce7ab58162872fcc0eca235442","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6528,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-12-Avg-Budget.jpg","name":"Optimizer-Sheet-12-Avg-Budget.jpg","meta":{"brizy_attachment_uid":"wp-0362fb8650196b0ee1ef35ce368ef8ab","brizy_post_uid":["59881fea6fb440580664883a8cca2a21"]}},{"id":6655,"url":"https:\/\/optimizingfi.com\/wp-content\/uploads\/2020\/04\/Optimizer-Sheet-10.5-Tracker.jpg","name":"Optimizer-Sheet-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