I have been looking for a program to sort the mp3 files on my Apacer mp3 player, and I found someone else who is too.

Back in February, I promised a bi-weekly version of my Excel budget form. Now it is available in two juicy flavors:

• Monthly
• Bi-Weekly

It is very much like the paper budget forms provided by Dave Ramsey. Column B is the category, and columns C-E are how much you have budgeted for that pay period. Place a 1 in the first cell of each column to activate that pay period, or put in a 0 if the pay period is still in the future. That will affect the amounts in the green column. Column F in the auto-calculated total budgeted for the month. Column H is how much you have spent so far this month, so at the beginning of the month these will be all zero. Now column H is all formulas, since I didn't want to do math every time I wrote a check. So if you look at the second sheet "Actuals" you see a similar chart showing the same first columns. Starting in column D, you can just enter one check per cell. So for example if you have spent $5, $20, and $15 on food, go to the food line and put 5 in column D, 20 in E and 15 in F etc. The total will automatically show up on the "Budget" sheet in column H.

Column I is simply a formula letting you know how much is left in that "envelope" for that category: i.e. Budgeted(F) - Actual(H).

The balances at the bottom are just for checking your math: Balance F should always be zero if your budget is balanced. Balance H should be exactly the same as the balance in your checkbook. Balance I should be the same as Balance H but reversed. If it is not, then there is a broken formula in the spreadsheet somewhere.

The tables on the right side:
The allocated savings register for you to record all of your savings goals, there is a formula for percent there but that is all.

The next table is the debt snowball table. The first column is the name of the debt, then the original amount, which is not really needed except that when you call in to scream "I'm debt free", Dave will ask you how much debt you paid off, and if you didn't write it down you won't know. The next column is how much the current principle balance on that debt is, and then you have a nice little percent.

The Upcoming table is a list of infrequent bills that I always forget about. I don't think that Dave has a form for this, but I needed it so that I remember to save up for big annual bills like car registration or quarterly insurance payments.

The next section in the black box, is what I call the motivating statement. It is what encourages me to keep going, when I can look at the budget taped to the side of the fridge and see in huge letters: "We saved $3,963 and paid off $16,883 in debt" it keeps me focused on the goal.