I've started going on a tear with making spreadsheets to organize my finances, and I remembered /r/Frugal, so I thought you guys might appreciate them.
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- Monthly Expenses
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- The After Paying section indicates how much money you have after paying off that category.
- The From Stocks balance is based on free cash in your portfolio.
- In Stocks is how much you have invested in stocks. I consider this unreliable and do not factor it into savings.
- Next Order is the total cost of your grocery list.
- Net is your savings balance at the end of the month. If it's negative, you are now using credit.
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- Grocery Sheet
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- Budget - your budget
- Total - the total cost of your grocery list
- Savings - how much you were under budget
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- Stock Portfolio
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- Added Borders around many sections to improve readability
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- Stock Graphs
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- Added 7 day and 90 day graphs. All graphs use the ticker indicated by B27 on the 90 day graph.
- The main point is that you only need to enter the purchase price, purchase quantity, and
current pricesstock ticker. - Technically even putting the stock name/ticker is optional.
- The simulated price and sell modifier do the same thing, but the sell modifier also affects the Profit at Sell column. Also the Sell Modifier is for the entire portfolio and the Simulate % Change is for each stock.
- Dilute by is based off your purchase price, so you can aim for a dilution % and thus a specific profit/loss without ever knowing how much you are gaining/losing. Hopefully this keeps people focused on the math and not the money, but let me know.
- Buy At is what price you should buy at to dilute your average cost to whatever you specified with Dilute By. Keep in mind it is not a weighted difference. To achieve your dilution % you must double your standings at the Buy At price. For weighted dilution, you will have to do your own math for now. I.E. If you buy 50% more shares at the Buy At price, you will be 75% of the way towards your dilution goal.
- The Short Tax is how much taxes you will pay on a short term holding (minimum 10%). This is based on your Income+Net Change. Income is your annual income.
- The Long Tax is for holdings you have held for 1yr plus. Here's how that works, but I used the 2017 brackets. The 0% tax is shown but not added into Taxes Due.
- Short Tax % is just Short Tax in percent form. The same goes for Long Tax % and Long Tax. You can hide whichever one you want.
The tax info in general is a bit high, so be careful with that. Feel free to ask for clarification if needed.
October 07, 2017 at 05:21PM
