Shareware Grab Bag/Shareware Grab Bag.iso/006/tc41.arc/TC41-EX.SSF

Text File | 1985-10-11 | 5KB | 601 lines

HDR
10
10
10
10
10
10
10
DAT
T1,1,2,R
This is a sample worksheet, it is what some call a template.  It is setup
T1,2,2,R
to show you how you can use "Turbo Calc" to do a family budget.
T2,3,0,C

T3,3,0,C

T1,4,2,R
To use the template you just put numbers in for each expense catagory and
T1,5,2,R
put in the amount for the income figure at the bottom.  The worksheet will
T1,6,2,R
calculate the total expenses and the amount that you can save or must take
T1,7,2,R
from savings.
T3,7,0,C

T1,8,2,R

T2,8,0,C

T3,8,0,C

T1,9,2,R
At the end of this worksheet is a sample of the technique used for the
T1,10,2,R
Internal Rate of Return function.
T2,11,0,C

T3,11,0,C

T2,12,0,C

T3,12,0,C

T1,13,2,R
Budget
T2,13,0,C

T3,13,0,C

T1,14,2,R
Category
T2,14,0,C
 Month 1
T3,14,0,C
 Month 2
T4,14,0,C
 Month 3
T5,14,0,C
 Month 4
T6,14,0,C
 Month 5
T7,14,0,C
 Month 6
T1,15,2,R
----------
T2,15,0,C
----------
T3,15,0,C
----------
T4,15,0,C
----------
T5,15,0,C
----------
T6,15,0,C
----------
T7,15,0,C
----------
T1,16,2,R
Food
C2,16,0,D
0
C3,16,0,D
0
C4,16,0,D
0
C5,16,0,D
0
C6,16,0,D
0
C7,16,0,D
0
T1,17,2,R
Clothing
T2,17,0,C

T3,17,0,C

T4,17,0,C

T5,17,0,C

T6,17,0,C

T7,17,0,C

T1,18,2,R
Newspaper
T2,18,0,C

T3,18,0,C

T4,18,0,C

T5,18,0,C

T6,18,0,C

T7,18,0,C

T1,19,2,R
Insurance
T2,19,0,C

T3,19,0,C

T4,19,0,C

T5,19,0,C

T6,19,0,C

T7,19,0,C

T1,20,2,R
Church
T2,20,0,C

T3,20,0,C

T4,20,0,C

T5,20,0,C

T6,20,0,C

T7,20,0,C

T1,21,2,R
Mortgage
T2,21,0,C

T3,21,0,C

T4,21,0,C

T5,21,0,C

T6,21,0,C

T7,21,0,C

T1,22,2,R
Magazines
T2,22,0,C

T3,22,0,C

T4,22,0,C

T5,22,0,C

T6,22,0,C

T7,22,0,C

T1,23,2,R
Medical
T2,23,0,C

T3,23,0,C

T4,23,0,C

T5,23,0,C

T6,23,0,C

T7,23,0,C

T1,24,2,R
Computer
T2,24,0,C

T3,24,0,C

T4,24,0,C

T5,24,0,C

T6,24,0,C

T7,24,0,C

T1,25,2,R
Auto
T2,25,0,C

T3,25,0,C

T4,25,0,C

T5,25,0,C

T6,25,0,C

T7,25,0,C

T1,26,2,R
Gasoline
T2,26,0,C

T3,26,0,C

T4,26,0,C

T5,26,0,C

T6,26,0,C

T7,26,0,C

T1,27,2,R
Electric
T2,27,0,C

T3,27,0,C

T4,27,0,C

T5,27,0,C

T6,27,0,C

T7,27,0,C

T1,28,2,R
Water
T2,28,0,C

T3,28,0,C

T4,28,0,C

T5,28,0,C

T6,28,0,C

T7,28,0,C

T1,29,2,R
Loan Pay
T2,29,0,C

T3,29,0,C

T4,29,0,C

T5,29,0,C

T6,29,0,C

T7,29,0,C

T1,30,2,R
School
T2,30,0,C

T3,30,0,C

T4,30,0,C

T5,30,0,C

T6,30,0,C

T7,30,0,C

T1,31,2,R
Entertain
T2,31,0,C

T3,31,0,C

T4,31,0,C

T5,31,0,C

T6,31,0,C

T7,31,0,C

T1,32,2,R
Misc.
T2,32,0,C

T3,32,0,C

T4,32,0,C

T5,32,0,C

T6,32,0,C

T7,32,0,C

T2,33,0,C
----------
T3,33,0,C
----------
T4,33,0,C
----------
T5,33,0,C
----------
T6,33,0,C
----------
T7,33,0,C
----------
T1,34,2,R
Expenses
F2,34,0,D
(B16:B32)
F3,34,0,D
(C16:C32)
F4,34,0,D
(D16:D32)
F5,34,0,D
(E16:E32)
F6,34,0,D
(F16:F32)
F7,34,0,D
(G16:G32)
T1,35,2,R
Savings
F2,35,0,C
(B37-B34)
F3,35,0,C
(C37-C34)
F4,35,0,C
(D37-D34)
F5,35,0,C
(E37-E34)
F6,35,0,C
(F37-F34)
F7,35,0,C
(G37-G34)
T2,36,0,C
----------
T3,36,0,C
----------
T4,36,0,C
----------
T5,36,0,C
----------
T6,36,0,C
----------
T7,36,0,C
----------
T1,37,2,R
Income
C2,37,0,D
0
C3,37,0,D
0
C4,37,0,D
0
C5,37,0,D
0
C6,37,0,D
0
C7,37,0,D
0
T2,38,0,C
==========
T3,38,0,C
==========
T4,38,0,C
==========
T5,38,0,C
==========
T6,38,0,C
==========
T7,38,0,C
==========
T2,39,0,C

T3,39,0,C

T4,39,0,C

T5,39,0,C

T6,39,0,C

T7,39,0,C

T1,40,2,R
Sample problem, showing the use of the Internal Rate of Return function.
T2,41,0,C

T3,41,0,C

T4,41,0,C

T5,41,0,C

T6,41,0,C

T7,41,0,C

T1,42,2,R
Loan Analysis
T3,42,0,C

T4,42,0,C

T5,42,0,C

T6,42,0,C

T7,42,0,C

T1,43,2,R
-------------
T3,43,0,C

T4,43,0,C

T5,43,0,C

T6,43,0,C

T7,43,0,C

T1,44,2,R
Loan Amount
C3,44,0,D
-1000
T4,44,0,C
  Shown as negative, because YOU are
T1,45,2,R
Year 1 Payment
C3,45,0,C
500
T4,45,0,C
  making the loan!  The loan payments
T1,46,2,R
Year 2 Payment
C3,46,0,C
400
T4,46,0,C
  are income to you and you are trying
T1,47,2,R
Year 3 Payment
C3,47,0,C
200
T4,47,0,C
  to decide if you want to make the loan
T1,48,2,R
Year 4 Payment
C3,48,0,C
100
T4,48,0,C
  or not.
T5,48,0,C

T6,48,0,C

T7,48,0,C

T1,49,2,R

T2,49,0,C

T3,49,0,C
----------
T4,49,0,C

T5,49,0,C

T6,49,0,C

T7,49,0,C

T1,50,2,R
Net Income
T2,50,0,C

F3,50,0,D
(C44:C48)
T4,50,0,C

T5,50,0,C

T6,50,0,C

T7,50,0,C

T2,51,0,C

T3,51,0,C
==========
T4,51,0,C

T5,51,0,C

T6,51,0,C

T7,51,0,C

T2,52,0,C

T3,52,0,C

T4,52,0,C

T5,52,0,C

T6,52,0,C

T7,52,0,C

T1,53,2,R
Rate of Return
F3,53,4,P
(IRR(.14,C44..C48))
T4,53,0,C

T5,53,0,C

T6,53,0,C

T7,53,0,C

T2,54,0,C

T3,54,0,C

T4,54,0,C

T5,54,0,C

T6,54,0,C

T7,54,0,C

T1,55,2,R
Proof is NPV of
T3,55,0,C

T4,55,0,C

T5,55,0,C

T6,55,0,C

T7,55,0,C

T1,56,2,R
cash flows...
F3,56,4,D
(ABS(NPV(C53,C45..C48)+C44))
T4,56,0,C
  By definition the Internal Rate of
T2,57,0,C

T3,57,0,C

T4,57,0,C
  Return is the interest rate that will
T2,58,0,C

T3,58,0,C

T4,58,0,C
  discount the cash flow to zero!
T2,59,0,C

T3,59,0,C

T4,59,0,C

T5,59,0,C

T6,59,0,C

T7,59,0,C

END