You will need Adobe Reader to view the PDF Download Adobe Reader. To determine how much wiggle room you will have to adjust your budget to meet specific goals, you first need to figure out which expenses are fixed and which are variable. calculator app can make your Total expenditure is an economic term used to describe the total amount of money that is spent on a product in a given time period. The formula of to calculate index number is where 0Q = Quantity at base time 1Q = Quantity at specific time 11.1.1 Price Index 1. Dantus, C. (2019, June 5) Budgeting: How to Create a Budget and Stick With It Retrieved from, Whiteside, E. (2020, April 5) What is the 50/30/20 Budget Rule Retrieved from, Vohwinkle, J. One key to making the process pay off is choosing the right budgeting approach for allocating your income. This tool helps you do just that. Or you may discover that too much of your money is going toward variable expenses like expensive meals, clothes or shows that you can easily live without, providing the kick-start you need to trim back your spending to build up a rainy day fund or save for retirement. When you spend cash, or write checks and enter them in a register, youll more accurately see what your dong with your money. r: 0.005 (6% annual rateexpressed as 0.06divided by 12 monthly payments per year) n: 360 (12 monthly payments per year times 30 years) Here's how the math works out: While there are plenty of resources available to help you get started with creating and sticking to a budget that will put you on the path to your financial goals, the process can still seem overwhelming, especially for those who are already struggling with debt or other challenges. The formula can be calculated as : A = [ P (1 + i)n - 1] - P Step 2: if we assume the interest rate is 5% per year. You can also use this type of form to keep a record of how much you . Your goal budget can help you visualize the power of savings over time. Divide expenses into basic categories, such as rent, bills, transportation, entertainment, health care, clothing, and groceries. The cost update for the first half of the year (i.e., January through June) informs the maximum SNAP allotment for participants living in Alaska or Hawaii. Forget about pre-tax earnings. As you can see, in the image provided: All their products are free of artificial ingredients. CFA And Chartered Financial Analyst Are Registered Trademarks Owned By CFA Institute. Excel Tutorial: Income and Expenditure Account Balance sheet in Excel? Recommended by: Hafthor Bjrnsson, Paulina Andrade, Paul Sklar. By using our website, you agree to our use of cookies (. The company's expense ratio for the month would come out to 25.38 percent ((5,000 / 19,7000) * 100). Please enter your comment! Move one cell down then input 'Net Pay' and then input "Other Income." On the basis of the income that you receive for that month, input the corresponding values. Do you need help understanding your mortgage affordability? Without one, youre more likely to find yourself in the dark about your financial health and lost in the wilderness of debt and financial insecurity. Whatever the results show, your job now is to create a budget in which the amount youre setting aside each month for variable and fixed expenses and short- and long-term savings goals matches what youre bringing home in income. Getting a handle on your income and expenses can be eye-opening, humbling and empowering all at the same time. This would be classified as a $10 million capital expenditure. What is a Monthly Expenditure Form? To figure gross monthly revenue, add up your total sales revenue for the month. | 501(c)(3) Non-profit Credit Counseling Organization. Creating a household budget can serve many purposes: getting out of credit card debt faster, saving for a long-term goal such as a house or retirement, or simply ensuring that you are on solid financial footing to meet whatever curveballs life may throw at you. You may be asked to fill out one of these forms when applying for a mortgage or when remortgaging your home or for additional borrowing. Eating is a necessity. To help with the math, you can also try InCharges budget calculator. To get the average, add up the amount of money spent for 12 consecutive months, then divide by 12. The remaining half should be split up between 20% savings and debt. Learn More: How Much Mortgage Can I Afford? Overview. If you've chosen to add an additional payment, it shows you how much interest and how many months of payments you could save by putting extra money toward paying down your principal. However, in our case, it creates a problem. A more general idea of expenses involves only keeping track of expenditures for one month. Additionally, you can calculate net income using its statement of owner's equity and use the result to calculate total expenses. It's the amount of money you have left to pay shareholders, invest in new projects or equipment, pay off debts, or save for future use. Helpful Tips. In determining the composite index number of the monthly expenditure, we need to consider the price indices and weightages f all the items. Hi there! In general, a budget contains spending guidelines for specific expense categories. Some experts recommend converting expense categories into a percentage of income in order to make easier adjustments. Manage your own debt. A more general idea of expenses involves only keeping track of expenditures for one month. The coefficient of the model, m, shows the change in monthly expense (y - dependent variable) associated with a unit change in x, the independent variable. First of all, we need to express the interest rate value into the equivalent decimal number. Login details for this Free course will be emailed to you, You can download this Capital Expenditure Formula Excel Template here . Stagnant incomes, growing debt burdens and rising housing and medical costs are among the reasons so many Americans have looked to tighten their financial belts in recent years, regardless of what the GDP and employment figures say. There, enter your budgeted amount for each category in "Projected." Expenses could be based on past spending habits you gather from account statements or your spending tracker. The monthly payment formula is based on the annuity formula. The approachs popularity can be found in its simplicity: You divide your income into three pots and allocate it according to the following percentages: 50% goes toward needs, such as rent, food and minimum payments on credit cards and other debt; 30% for wants such as trips or entertainment; and the remaining 20% toward savings, which can include debt repayment. If a person knows his or her spending habits do not usually fluctuate from month to month, this can give a fairly good idea of average monthly expenses. This can be done in the following way. Note: my dates are dd/mm/yyyy format. Here we discuss how to calculate Capital Expenditure step by step and examples. Subtract losses for refunds, product returns and shrinkage from your gross sales figure to determine your net sales. This differs from revenue, which does not consider real-world financial losses in the sales department. If you are calculating a monthly expense ratio for a unit smaller than the entire organization, make sure to only include expenses that can be pegged to that unit. Restrain yourself. if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[336,280],'monthlyexpensecalculator_com-box-3','ezslot_3',110,'0','0'])};__ez_fad_position('div-gpt-ad-monthlyexpensecalculator_com-box-3-0');Stay on top of your bills with this free Monthly Budget Planner and Daily Expense Tracker. dep. . Let us take the example of a company ABC Ltd and calculation of capital expenditure in 2018 based on the following information: Net increase in PP&E = PP&E value at the end of 2018 PP&E value at the beginning of 2018, Capital Expenditure (capex) Formula = Net increase in PP&E + Depreciation expense. . Pikbest provides millions of free PowerPoint,excel and word templates for commercial or personal use. Budgeting templates are ready to use or can be customized with personalized categories. Expenditure - This is the total purchase price of a good or service. To make this, you need to apply data validation (list from a range). Lets see some simple to advanced examples to understand the calculation of Capital Expenditure. The basic formula to determine the cost of food in a month is: cost of food = opening inventory + purchases closing inventory To calculate the percentage of total average household expenditure represented by an item (budget share), divide the average expenditure per household for an item by total expenditure for all items and multiply by 100. The same amount is retained with the project management as an . If thats not enough, look for what adjustments are possible to your fixed expenses. For example, a company buys a $10 million piece of equipment that it estimates to have a useful life of 5 years. (b . A standard formula might look like this: Operating expenses = accounting supplies + expenses on office supplies + insurance + licensing fees + legal fees + marketing and advertising + payroll and wages + repairs and equipment maintenance + taxes + travel . The calculation for the amount per day is pretty straight forward. InCharges online budget calculatorwill help you capture all of your expenses and assesswhat income is required to maintain your expenses. As the cost of living continues to increase, this simple monthly expense This observation is known as Engel's law, which demonstrates that as incomes . If you are projecting expenses for an incomplete month, use the previous month's data and any new trends in the current month to estimate final monthly expenses. Step 3: Add Formulas to Automate. You will Learn Basics of Accounting in Just 1 Hour, Guaranteed! You may discover that youre in a better position to save than you had anticipated, and that you have the means to reach that long-term goal of a new home or car with the right plan and discipline. Monthly payment = P x ^N ) / ^N 1) P = Mortgage principalI = Monthly interest rateN = Number of payment periods Simply swap out the variables with your own inputs and complete the calculation. You are free to use this image on your website, templates, etc., Please provide us with an attribution link. Do not include non-sales-related revenue, such as interest income and capital gains. Step 1. In these monthly budget planning worksheets, you have to write in every single row and column. If you are working with raw annual data, divide total expenses by 12 to approximate a monthly figure. Use cash. If you have a growing unpaid balance on your credit cards, part of your budget should aim at bringing the balance to zero. The sum of all those $4 lattes might shock you. Heres how to determine what your monthly take-home income is: If You Are Paid Bi-Weekly: Multiply your take-home pay for one paycheck by the number of paychecks in a year: 26. Identifying recurring and common expenses like mortgage or rent payments, helps you plan your expenditures and make a monthly expenses template. Let us take the example of Apple Inc. and the calculation of capital expenditure in 2017 and 2018 based on the following information: Net increase in PP&E in 2017 = $33,783 $27,010, The Calculation of Capital expenditure in 2017 = $6,773 + $7,058, Net increase in PP&E in 2018 = $41,304 $33,783, The Calculation of Capital Expenditure in 2018 = $7,521 + $7,806, This article has been a guide to Capital Expenditure (CAPEX) Formula. This will give an average of how much has been spent per month. This post looks at calculating, tracking, and managing your total expenses. PhotoObjects.net/PhotoObjects.net/Getty Images. Cost of baby toys and books. They often reflect needs rather than wants, though some categories fall into gray areas. Monthly Expense Calculator Choose your currency Your monthly income Fixed expenses Housing Phone, Internet, Electric, Water, Gas, Landscaping $ Utilities / Services Hydraulic, Electrician and other. For a family with two cars, the monthly expenditure on petrol has risen by 32.51. In cell range B2:B7, enter the dates 25/11/2020, 26/11/2020, 1/12/2020, 6/12/2020, and 21/12/2020. His work has received multiple honors from the Society of Professional Journalists, the Louisiana-Mississippi Associated Press and the Louisiana Press Association. Download Capital Expenditure Formula Excel Template. So drink water sometimes, or work at home and make your own coffee. in theater from UCLA and a graduate degree in screenwriting from the American Film Video of the Day. Monthly Expense Formula Roommate 1 pays for rent, Roommate 2 pays for cable, and Roommate 3 pays for streaming services. depreciation and amortization (opening), Accum. Monthly expenditure, y = mx + c, where x is the independent/predictor variable, m is the coefficient of x, and c is the constant for the model. The formula for mortgage basically revolves around the fixed monthly payment and the amount of outstanding loan. Institute, Jessica is passionate about drama and film. Is it any wonder then that more Americans are turning to budgeting in their search for financial bliss? Household monthly expenses are $3000 . Net sales represent the actual value of assets brought into the company through sales activities. Your targeted emergency fund goal should be no less than 3 months of your total expense. Step 1: Prepare a table, and enter its row headers and column headers as following screen shot shown: Step 2: Enter your budget data of income and expenses into the table, and calculate the total incomes of every month and every item: (1) Calculate total . Just because you earn a raise doesnt mean you have to find new ways to spend money. To calculate your total monthly income, make a cell with a formula Once you pay expenses, you get net income or profit, which equals the total revenues minus the total expenses from a given accounting period. Transparent Labs is a reputable name in the world of sports nutrition supplements. For low-income households that are saddled with debt, it may be necessary to devote a higher percentage of income to needs and less to wants and savings, at least temporarily. Like any accounting method, an Income and Expenditure account has its specific format accompanied by its formula. You can see how reducing costs 5-10 percent across small areas of your budget add up to larger savings. An expense ratio compares total expenses to total net sales for a given period of time. Steps to Calculate Capital Expenditure (CAPEX), Examples of Capital Expenditure Calculations, Capital Expenditure Formula Excel Template, Accum. There are many games you can play with . Factor in any variable labor and overhead costs, such as piece-work employees and electricity for small-batch production facilities. Try to guess how much money is spent in each category per month. Price index is an example of index number which is widely used. It shows how much cash a company needs to continue operating for a period of time. Then divide this number by 12 to get your monthly income. The strength of a budget will be determined by how accurate it is. Person B has a monthly salary of $5000 . Calculation: ? How to construct an Excel formula to calculate a fair/proportionate contribution to Household monthly expenses $3000 , that leaves Person A and Person B with the same amount left of their salary each month? Depreciation Expense: The depreciation expense represents the allocation of the one-time capital expenditure cash outflow throughout the useful life of the fixed asset - in an effort to decrease the value of the asset on the balance sheet as it helps produce revenue for the company. If you use the 50/30/20 budget, wants can account for up to 30% of your spending . Any money that you regularly receive can be considered income for your monthly budget. While some of these income and spending items may vary from month to month, or reflect one-time or irregular transactions, gathering a paper trail is the best way to get a birds-eye view of how much money is coming into and leaving your financial house each month. 35,000. Learn More: How Much Rent Can I Afford? Use the following formula to calculate your monthly expense ratio: (total expenses / net sales) * 100 For example, assume a company brought in $20,000 in sales for the month, lost $300 worth of sales income due to product returns, and incurred $5,000 in total expenses. Fixed expenses are those payments that remain relatively consistent from month to month. Which Savings Account Will Earn You the Most Money? Sample Blank Expense Forms - 8+ Free Documents in Word, PDF. From the estimated expenses per activity and per week we can prepare the cash forecast as follows: Notes to cash forecast: 1. To do this, divide the expense amount of a category by the total amount of monthly income, then multiply by 100 to get the percentage. This would populate in a column like below (FI) for each resource. If you like passing time in coffee shops, add up what you spend each month. With surveys showing that most households lack sufficient savings to pay for a $1,000 emergency, and large numbers of Americans struggling with debt, the value of creating and following a budget has never been clearer. Cookies help us provide, protect and improve our products and services. The more of your overall budget that is consumed by fixed costs, the less flexibility you will have to make adjustments absent some big lifestyle changes (such as selling your car, taking on a roommate or moving to a city with a lower cost of living). If Your Pay Fluctuates:If your pay fluctuates based off tips, varying hours and/or commissions, you can still calculate an estimated monthly income by adding up three months of income and then dividing by three. Using a budget calculator can help you quickly add up your income and expenses. Transparent Labs Whey Protein Isolate - Top Pick. dep. The results show a sample monthly payment (excluding taxes and insurance) and the interest you would pay. ; Salvage Value: The salvage value is defined as the value of the asset at the end of its useful life. One approach that has grown in popularity in recent years is the 50-30-20 model pioneered by U.S. Sen. Elizabeth Warren, D-Massachusetts, in her book, All Your Worth: The Ultimate Lifetime Money Plan.. The rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must-have or must-do. Then, use the borders tool on the workbook's "Home" tab (looks like a square divided into four) and choose "All Borders.". David Ingram has written for multiple publications since 2009, including "The Houston Chronicle" and online at Business.com. Subscribe to our newsletter and learn something new every day. Its also important to make sure your budget tracks due dates for bills so that you dont risk missing payments and racking up late charges or other penalties, which will quickly throw your budget out of whack. Expenditure Formula: Permanent Administrative CostsThe Unemployment Insurance (UI) Program is one of several potential points of comparison for the proposed FMLI program.. In the financial projections template the cost of sales percentage is included by applying a gross margin percentage to the revenue as the two are linked by the following formula. =D9-C9 This formula computes the number of days between two dates, which for most things is just fine. All Rights Reserved. With a personal budget template, budget management is so easy. Analyzing the data gained through tracking and averaging will help you set up a sustainable budget. CFA Institute Does Not Endorse, Promote, Or Warrant The Accuracy Or Quality Of WallStreetMojo. Step 1: We need to calculate the amount of interest obtained by using monthly compounding interest. Credit and debit cards are great conveniences, but also easy to overuse. But dont let that sad song get you too down. You can learn more about financial analysis from the following articles , Your email address will not be published. Try to choose a month where no extraordinary activities are planned such as vacations or big holidays, or consider tracking for two or three months to get a clearer picture of an average expenditure. about a wide range of topics in her role as a SmartCapitalMind writer. And if youre already devoting a healthy chunk of your pre-tax income to a 401(k) plan or other employment retirement vehicle, youll want to take that into account as well in setting your savings goal. Generic formula = IF ( start <= month, expense,0) Explanation * Please provide your correct email id. Consumption Expenditure is the spending by households on goods and services, excluding new housing. Determine your gross sales for the month. The Expenditure Method Formula is as Following - G D P = C + I + G + ( X - M) Here, C is consumer spending on different goods and services, I represents investments made by businesses, and on capital goods, G represents government's spending on goods and services provided to the public, X is exports, and M is imports. Then divide this number by 12 to get your monthly income. Being wise and responsible with money or finances in general requires some strategies or techniques. Your savings should include an emergency fund that can cover at least three months of expenses should you lose your job or suffer another blow to your income. For specific foods and quantities of foods in the food plans, and more information about the methods . They are typically classified as the wants in your life and therefore can be adjusted more easily and reallocated in your budget depending on your individual goals whether its to pay down debt, save for a big-ticket purchase or build up a rainy day fund. In this budget, you have to include and inject all sources and modes of income and expenses. The following steps will walk you through customizing a monthly budget template in Excel. This shows you the total amount of capital expenditures. If you dont ultimately set the right the goals in your budget for financial health, the endeavor will be a failure. For example, monthly intervals with values on the 1st of every month, yearly intervals, or numerical intervals. Your take-home pay is what you can spend or save beyond what you may already be putting into a retirement account at work. The formula for calculating net income is: Revenue - Cost of Goods Sold - Expenses = Net Income The first part of the formula, revenue minus cost of goods sold, is also the formula for gross income. Even as the national economy was enjoying one of its longest-ever periods of growth in 2018, a survey by Bankrate showed that nearly two-thirds of Americans were limiting their spending each month. to save $8,500 in three years would require a savings of $230.99 each month for three years. Examples of Expenditure Formula in a sentence. Some experts suggest that before making an accurate calculation of average monthly expenses, it may be a good idea to create an estimate of expenses. If thats the case, free credit counseling such as that provided by InCharge Debt Solutions can be the answer. In the previous example, the retiree with a $100,000 salary who planned to live off of $75,000 would need $6,250 per month. How to make monthly income and expense in excel sheet - YouTube 0:00 / 12:19 How to make monthly income and expense in excel sheet 173,885 views Jun 17, 2019 1.2K Dislike Share Technical. To start an expense on a specific month, you can use a formula based on the IF function. Use your budget to set limits on yourself and keep receipts to monitor your progress. expense. Expense - This is the amount that is recorded as an offset to revenues or income on a company's . Once youve collected all relevant financial statements and other documents, youre now in a position to confidently calculate how much you typically spend each month on various expenses, from mortgage, rent and car payments to utility bills, insurance, prescriptions, groceries, dining out and student and other loans. (2020, March 6) Make a Personal Budget in 6 Steps Retrieved from, Smith, K.A. O matter, you receive a paycheck two times a month or three times a month, you need to pen down these entries. If You Are Paid Weekly: Take your weekly pay and multiply it by the number of weeks in a year: 52. For instance, take your needs. Calculate your total indirect costs for the month. The difference between your budget and actual spending is calculated and formatted to make it easy to find out where you may be overspending. Monthly food costs are determined by taking a monthly physical inventory of food stock, evaluating the inventory, and then adjusting the valuation to more accurately reflect the cost of food consumed. This means that the company's total expenses are equal to 25 percent of the value of net sales. It is also measured on a monthly basis. And if your fears come true, and you learn that youve been living beyond your means, you now have the information to make the choices necessary to repair that crumbling foundation. Want to save up to 30% on your monthly bills? Do you use Excel spreadsheets to keep track of your weekly, monthly or annual expenses but find yourself updating all relevant date and content information manually? Withdrawal of fund, projected at the beginning is in excess of the fund requirement as a safety measure to meet emergency expenses, the excess of Rs. (ND) Debt.coms 2020 Budgeting Survey Reveals More Americans Than Ever Are Budgeting Retrieved from. The financial year for which this account has been created must be mentioned too. Note, youll want to follow the same sequence of calculations as we do in order to get the correct result. In developed countries it has become the largest component of Gross Domestic Product (GDP) (Arnold, 2008). Credit counselors can provide personalized recommendations on trimming expenses and boosting income in each major budget category, as well as help with debt-relief programs such as a debt management plan or debt consolidation that may be an important component in making your budget work. Averageif Formula. Detail . Some of these might fluctuate slightly from one month to another, but use estimates of the average cost. The PV (present value) is 0 because the account is starting from zero. He avoids debt when he can and pays it off quickly when he can't, and he's only too happy to suggest how you might do the same. Add a header to begin generating the table of contents, 10 Ways to Save Money on Monthly Rent Payments, How to Save Money on Internet: Free and Low Cost Broadband, How To Save Money On Homeowners Insurance, Teaching Kids To Save, Budget & Spend Money, Opening a Free Savings Account With No Minimum Balance. How Much Will I Need to Save For Retirement? Personal monthly budget spreadsheet Streamline how you budget your income each month with this comprehensive budgeting template. While some categories, such as rent, will be fairly easy to figure out, it is interesting to compare a person's conception of how much is being spent on entertainment or groceries to the real numbers. For instance, if a person makes $1800 US Dollars (USD) per month, and spends $450 per month on groceries, the percentage of income would be (450/1800) x 100, or 25%. Capital Expenditure is the total amount that a Company spends to buy & upgrade its fixed assets like PP&E (Property, Plant, Equipment), technology, & vehicles, etc. Estimate grocery Look at three months of credit card and/or debit card charges to make sure you are capturing all of the categories where you typically spend money. The expense ratio formula is calculated by dividing the fund's operating expenses by the average value of the fund's assets . CAPEX Formula = Net Increase in PP&E + Depreciation Expense, You are free to use this image on your website, templates, etc., Please provide us with an attribution linkHow to Provide Attribution?Article Link to be HyperlinkedFor eg:Source: Capital Expenditure Formula (CAPEX) (wallstreetmojo.com). (2018, October 17) Two Thirds of Americans Are Limiting Their Spending, and This is the Main Reason Retrieved from, Bieber, C. (2018, June 4) Budgeting 101: How to Start Budgeting for the First Time Retrieved from, N.A. However, one factor that needs to be controlled is the variability in revenue. Operating Expense is calculated using the formula given below Operating Expense = Sales Commission + Advertising Expense + Salaries + Depreciation + Rent + Utilities Operating Expense = $1.20 million + $2.00 million + $1.00 million + $0.75 million + $0.50 million + $0.30 million Operating Expense = $5.75 million Therefore, the calculation of Capital Expenditure incurred during 2018 is $16,000. Tracking your spending in different categories can help you get a better sense of which areas are consuming significant chunks of your income. In the example shown, the formula in cell E5 (copied down and across) is: = IF ($D5 <= E$4,$C5,0) where the values in column D (start) and the range E4:J4 are valid Excel dates. A spreadsheet is a good tool to use while budgeting because you can change your assumptions and see how they affect your surplus and/or deficit. When maintaininga budget spreadsheet, consider having two: one spreadsheet reflecting your actual income and expenses and a duplicate that reflects your goals: expenses you are working on reducing (monthly debt payments, for example) and income opportunities you are working to grow. The formula of Capex is the addition of net change in Property Plant and Equipment (PP&E) value over a given period to the depreciation expense for the same year. This is as basic as collecting every document that reflects your monthly income and expenses, including bank, credit card and investment accounts, paycheck stubs, benefits statements and electronic payments. It is based on the accounting equation that states that the sum of the total liabilities and the owner's capital equals the total assets of the company. A balance sheet is one of the financial statements of a company that presents the shareholders' equity, liabilities, and assets of the company at a specific point in time. Dec 08 2022 08:29 AM. But while no rule is set in stone, the 50-30-20 model can work exceptionally well as a tried-and-true rule of thumb. Finally, using cash isnt an excuse to visit an ATM when you get the urge to spend. Add up all of your fixed-monthly housing expenses. But just as its difficult to shed pounds when you dont know how many calories youre consuming, its equally difficult to cut the fat out of your spending and whip your finances into shape without a budget to shine a light on where your money is currently going. Consider saving part of it or contributing more to a workplace 401(k) retirement plan. If using the one-month tracking system, beware of any variations that may occur in the specific month examined. Whichever approach you choose, youll need to follow some basic steps to make sure youre creating a clear and accurate picture of your finances. Period selector with the drop-down list. How much house can I afford? There are several easy ways to calculate average monthly expenses. That is, 31 days for Jan, 28 days for Feb, and 31 days for March. This includes your rent or mortgage payments, electricity, water, gas, phone and cable. Consider setting up automatic payments for recurring bills and/or incorporating a bill calendar into your budget to keep tabs on due dates and ensure that your income flow is sufficient to cover individual payments each month; the Consumer Financial Protection Bureau provides a sample here. You can use the following CapEx formula to gain a better visual idea of how these steps work: CapEx = PP&E (Current Period) - PP&E (Prior Period) + Depreciation (Current Period) Note that PP&E stands for property, plant and equipment, which appears as a line item on your balance sheet. In his 40-plus-year newspaper career, George Morris has written about just about everything -- Super Bowls, evangelists, World War II veterans and ordinary people with extraordinary tales. Average monthly expenses are the average of all expenditures made by a person, family, or business, in a month. 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