Description:

This spreadsheet is designed to help individuals and businesses manage their finances using zero-based budgeting. It includes sections for budget setup, categorization of expenses, monthly tracking of income and expenses, and variance analysis.

• Setup: Instructions and an overview of how to categorize expenses and set up the budget for different months.
• Expense Categories: Lists various expense categories such as Salaries, Office Expenses, Marketing, Travel, Technology, and Miscellaneous, and allows for monthly tracking.
• Monthly Tracking: Detailed tracking of budgeted vs. actual expenses for each month.
• Variance Analysis: Calculates the variance between budgeted and actual expenses and provides a percentage analysis.