{
  "format": "vibeboard-board",
  "formatVersion": 1,
  "id": "money-and-budget",
  "name": "Money and budget",
  "emoji": "💰",
  "category": "Money",
  "home": "space",
  "audience": "A person who wants to see where the money goes each month",
  "description": "See where the money goes: a monthly budget sheet that adds itself up, bills to pay, a loan check, a percentage calculator, key dates, a reminder for the weekly money check and money news.",
  "widgets": [
    {
      "type": "sticky",
      "about": "Read this first. It says in a few short steps where to begin. Delete it when you know the board.",
      "x": 0,
      "y": 0,
      "width": 270,
      "height": 286,
      "data": {
        "title": "Start here",
        "text": "1. Fill the Monthly budget: your income first.\n2. Write every bill in This month, with its day.\n3. Make a weekly reminder to check the budget.\n4. Look at the numbers once a week, not every day.",
        "color": "yellow"
      }
    },
    {
      "type": "sticky",
      "about": "A simple rule for dividing income. Compare it with the Planned column of your budget.",
      "x": 0,
      "y": 310,
      "width": 270,
      "height": 230,
      "data": {
        "title": "50 / 30 / 20",
        "text": "50% needs: rent, food, bills.\n30% wants: fun, trips.\n20% savings and debt.\nPay yourself first.",
        "color": "green"
      }
    },
    {
      "type": "miniSheet",
      "about": "Your month in numbers. Spent and Left add themselves up. Type your own income and costs over the samples.",
      "x": 294,
      "y": 0,
      "width": 520,
      "height": 400,
      "data": {
        "cells": {
          "A1": "Monthly budget",
          "B1": "Planned",
          "C1": "Real",
          "A2": "Income",
          "B2": "3000",
          "C2": "3000",
          "A3": "Rent or home loan",
          "B3": "900",
          "C3": "900",
          "A4": "Food",
          "B4": "450",
          "C4": "480",
          "A5": "Transport",
          "B5": "150",
          "C5": "140",
          "A6": "Bills and phone",
          "B6": "200",
          "C6": "210",
          "A7": "Fun",
          "B7": "200",
          "C7": "260",
          "A8": "Savings",
          "B8": "600",
          "C8": "500",
          "A9": "Spent",
          "B9": "=SUM(B3:B8)",
          "C9": "=SUM(C3:C8)",
          "A10": "Left",
          "B10": "=B2-B9",
          "C10": "=C2-C9"
        }
      }
    },
    {
      "type": "task",
      "about": "The bills of the month. Subscriptions and Once a year are tabs, so nothing renews without you seeing it.",
      "x": 294,
      "y": 424,
      "width": 310,
      "height": 306,
      "data": {
        "title": "This month",
        "items": [
          {"id":"t1","text":"Rent or loan payment","note":"Pay on the day you get paid."},
          {"id":"t2","text":"Electricity and water"},
          {"id":"t3","text":"Phone and internet"},
          {"id":"t4","text":"Credit card: the full amount"}
        ],
        "lists": [
          {
            "id": "l1",
            "name": "Subscriptions",
            "items": [
              {"id":"t5","text":"List every subscription and what it costs"},
              {"id":"t6","text":"Cancel the one you did not use this month"}
            ]
          },
          {
            "id": "l2",
            "name": "Once a year",
            "items": [{"id":"t7","text":"Insurance renewal"},{"id":"t8","text":"Tax papers and deadlines"}]
          }
        ]
      }
    },
    {
      "type": "emiCalculator",
      "about": "Loan check: change the amount, the interest and the years to see the monthly payment (EMI) and the schedule.",
      "x": 838,
      "y": 0,
      "width": 340,
      "height": 460,
      "data": {}
    },
    {
      "type": "calculator",
      "about": "Percentages for discounts, tips, interest and tax. Open the percentage mode and type the numbers.",
      "x": 838,
      "y": 484,
      "width": 282,
      "height": 332,
      "data": {"mode":"percentage"}
    },
    {
      "type": "daysUntil",
      "about": "Counts the days to the dates that cost money if you miss them. Change the titles and the dates.",
      "x": 1202,
      "y": 0,
      "width": 250,
      "height": 240,
      "data": {
        "items": [
          {"title":"Rent or bill due","emoji":"🏠","inDays":12,"color":"red"},
          {"title":"Tax deadline","emoji":"🧾","inDays":120,"color":"amber"},
          {"title":"Savings goal date","emoji":"🎯","inDays":180,"color":"green"}
        ]
      }
    },
    {
      "type": "reminder",
      "about": "Make a repeating reminder, for example Check the budget every Sunday evening. It works even when the board is closed.",
      "x": 1202,
      "y": 264,
      "width": 320,
      "height": 380,
      "data": {}
    },
    {
      "type": "news",
      "about": "Money and market news. Read it once a day, not all day. New posts are marked in purple.",
      "x": 1546,
      "y": 0,
      "width": 400,
      "height": 520,
      "data": {
        "channels": [{"id":"cnbc"},{"id":"marketwatch"},{"id":"livemint"}],
        "layout": "list",
        "pictures": false,
        "summaries": true,
        "perChannel": 5
      }
    },
    {
      "type": "linkGroup",
      "about": "Sites for money, markets and learning. Change them with the edit button.",
      "x": 1546,
      "y": 544,
      "width": 360,
      "height": 360,
      "data": {
        "title": "Money sites",
        "layout": "grid",
        "size": "medium",
        "names": true,
        "links": [
          {"id":"l1","title":"Google Finance","url":"https://www.google.com/finance/"},
          {"id":"l2","title":"Yahoo Finance","url":"https://finance.yahoo.com/"},
          {"id":"l3","title":"Investopedia","url":"https://www.investopedia.com/"},
          {"id":"l4","title":"NerdWallet","url":"https://www.nerdwallet.com/"},
          {"id":"l5","title":"XE","url":"https://www.xe.com/"},
          {"id":"l6","title":"TradingView","url":"https://www.tradingview.com/"},
          {"id":"l7","title":"Morningstar","url":"https://www.morningstar.com/"},
          {"id":"l8","title":"Bankrate","url":"https://www.bankrate.com/"},
          {"id":"l9","title":"Wise","url":"https://wise.com/"}
        ]
      }
    }
  ]
}