Start with how much money you have in your account now and add/subtract income and bills for the rest of the year on the days money comes in/goes out, using the cells from the other sheet that are labeled and have the corresponding numbers.I think this is more useful than Mint.

MartinFor comparative curiosity, what were the corresponding changes in household income and inflation / cost of living nationally and in California during the same period?

It was originally designed as a 12 week correspondence course.  

The first bills you payoff should ALWAYS be the one that have corresponding monthly bills.  

When the expense is realized and a credit card balance increases or cash decreases, I make a corresponding adjustment to the accrued liability.I also accrue for certain goal setting activities, such as saving for major discretionary purchases or setting aside money for retirement. 

I've posted about my struggles with this issue before, but I have a new conundrum that I'm hoping folks here can help with.I own a high end duplex with correspondingly high mortgage and taxes.

Many folks don't realize this.but that's why its mentioned in this correspondence with the state.  10 loans a year is more than I thought I thought it was 3 to 5 .. so that's pretty good carve out here in Oregon..

Some mortgage brokers are correspondent lenders and have overlays that they can't overcome, same with some banks. 

It is throughout the house and the dark lines seem to correspond to the attic/roof beams.

If you want to know how I learned what I know, I will answer, usually through an email correspondence.