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[null,null,6,"ביגוד והנעלה",null,{"$f":"IF(AL11<>\"\",AL11,\"\")","v":0},0,null,"סה\"כ הוצאות",{"$f":"SUM(J22:J24)","v":0},{"$f":"SUM(K22:K24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"צדקה, בית כנסת, מקווה, יזכור, עליה לתורה",null,null,0,null,"סה\"כ לחודש",null,null,{"$f":"SUM(AL17:AL24)","v":0},null,"רשיון נהיגה לילדים",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,6,"בריאות",null,{"$f":"IF(AQ13<>\"\",AQ13,\"\")","v":0},0,null,null,null,null,null,null,null,"שימו לב! בהעברת נתוני המחשבונים לתוכנה, יש לקחת את הנתונים מעמודות \"עלות חודשית\"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,"מכשירי כתיבה",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"עמלות וריביות בנקים",null,null,0,null,"סיכום חובות",null,null,null,null,null,{"$f":"D21","v":"חינוך"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"סה\"כ לחודש",null,null,{"$f":"SUM(AG17:AG26)","v":0},null,null,null,null,null,null,"עיצוב הבית",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"טיפולי שיניים",null,null,0,null,"סוג החוב","סכום","סה\"כ החזרי חובות חודשיים",null,null,null,"שם / גיל","הסעות, נסיעות, אוכל",null,"תשלום למוסד",null,"צהרון / מטפלת",null,"שיעורים פרטיים",null,"תשלומי הורים / טיולים",null,"ספרי לימוד / מכשירי כתיבה",null,null,null,null,null,null,null,null,null,null,null,null,null,"ניקוי יבש, כביסה",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"אופטיקה",null,null,0,null,"חובות שאינם בהסדר",{"$f":"AV50","v":30000},null,null,null,null,null,"עלות שנתית *","עלות חודשית","עלות שנתית *","עלות חודשית","עלות שנתית *","עלות חודשית","עלות שנתית *","עלות חודשית","עלות שנתית *","עלות חודשית","עלות שנתית *","עלות חודשית",null,null,null,null,null,null,null,null,null,null,null,null,"ספרים",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"חופשה / טיול",null,null,0,null,"חובות בהסדר",{"$f":"AV47","v":20000},{"$f":"AV48","v":2000},null,null,null,null,null,{"$f":"P30/12","v":0},null,{"$f":"R30/12","v":0},null,{"$f":"T30/12","v":0},null,{"$f":"V30/12","v":0},null,{"$f":"X30/12","v":0},null,{"$f":"Z30/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"מחשב - תיקונים, נייר, דיו, דיסקים",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,6,"יהדות / חגים",null,{"$f":"IF(AG27<>\"\",AG27,\"\")","v":0},0,null,"סה\"כ חובות",{"$f":"SUM(J29:J30)","v":50000},null,null,null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,null,null,null,null,null,null,null,null,null,"צילום- פיתוח, בטריות, קלטות",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,6,"מתנות לאירועים ושמחות",null,{"$f":"IF(AL25<>\"\",AL25,\"\")","v":0},0,null,null,null,null,null,null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,null,null,null,null,null,null,null,null,null,"ייעוץ מס, הנה\"ח, עו\"ד",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,6,"רכישות ושרותים",null,{"$f":"IF(AQ36<>\"\",AQ36,\"\")","v":0},0,null,"סיכום חודשי",null,null,null,null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,null,null,null,null,null,null,null,null,null,"טיפול בגינה, גנן",null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"תספורת וקוסמטיקה",null,null,0,null,"הכנסות","הוצאות","הפרש","הפרש כולל החזרי חובות",null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,null,null,null,null,null,null,null,null,null,"אגרת רשות השידור",null,null,{"$f":"AP34/12","v":0},null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"ביטוח לאומי (מי שלא עובד)",null,null,0,null,null,null,null,null,null,null,null,null,0,null,0,null,0,null,0,null,0,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,null,null,null,{"$f":"F36","v":0},null,{"$f":"K16","v":0},{"$f":"J25","v":0},{"$f":"I36-J36","v":0},{"$f":"K36-K30","v":-2000},null,null,"סה\"כ",{"$f":"SUM(P30:P35)","v":0},{"$f":"SUM(Q30:Q35)","v":0},0,0,0,0,0,0,0,0,0,0,null,null,null,null,null,null,null,null,null,null,null,null,"סה\"כ לחודש",null,null,{"$f":"SUM(AQ17:AQ35)","v":0},null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,null,null,null,0,null,"הפרש שנתי בין הוצאות להכנסות כולל החזר חובות",null,null,null,null,null,"סה\"כ הוצאות חינוך לחודש",null,{"$f":"Q36+S36+U36+W36+Y36+AA36","v":0},null," *עלות שנתית = תשלום בחודש בפועל X מספר חודשי התשלום בשנה   ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,"שוטפות",6,"מזון",null,{"$f":"IF(AG51<>\"\",AG51,\"\")","v":0},0,null,{"$f":"L36*12","v":-24000},null,null,null,null,null,null,null,null,null,"עלות חודשית = תשלום ממוצע לכל חודש בשנה = תשלום שנתי / 12",null,null,null,null,null,null,null,null,null,null,{"$f":"D38","v":"מזון"},null,null,null,null,{"$f":"D40","v":"דלק וחניה"},null,null,null,null,{"$f":"D46","v":"דברים נוספים"},null,null,null,null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"תחבורה ציבורית",null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"עלות חודשית",null,null,null,null,"עלות חודשית",null,null,null,null,"עלות חודשית",null,null,"",null,null,null,null,null,null,0,null,null,0,0,null,{"$error":"#N/A"},"","","","","",""]
[null,null,6,"דלק וחניה",null,{"$f":"IF(AL45<>\"\",AL45,\"\")","v":0},0,null,"חסכונות",null,null,null,null,null,{"$f":"D22","v":"חוגים, קייטנות ובריכה"},null,null,null,null,{"$f":"D23","v":"ביטוחי רכב + טסט"},null,null,null,null,null,null,null,null,null,"מכולת",null,null,null,null,"דלק",null,null,null,null,"בילויים ומופעים",null,null,null,null,null,{"$f":"IF(AU40=\"\",\"\",AT39+1)","v":""},null,null,null,null,null,null,{"$f":"IF(AY40=\"\",AV40,AY40*AZ40)","v":0},null,null,{"$f":"SUM(BD5:BD39)","v":20000},{"$f":"SUM(BE5:BE39)","v":30000},null,{"$error":"#N/A"},"","","","","",""]
[null,null,null,"טלפון נייח ",null,null,0,null,"חסכונות","הפרשה חודשית","סכום מצטבר","זמן פירעון",null,null,null,null,"עלות שנתית","עלות חודשית",null,null,null,"עלות שנתית","עלות חודשית",null,null,null,null,null,null,"רשת מזון / צרכניה",null,null,null,null,"תשלומי חניה",null,null,null,null,"דמי כיס",null,null,null,null,null,"סה\"כ",null,{"$f":"SUM(AV5:AV39)","v":230000},null,null,null,{"$f":"SUM(AZ5:AZ39)","v":2000},{"$f":"SUM(BA5:BA39)","v":50000}]
[null,null,null,"טלפון נייד ","מס' מכשירים __",null,0,null,null,null,null,null,null,null,"חוגי ילדים",null,null,{"$f":"Q42/12","v":0},null,"חידוש רשיון רכב + טסט",null,null,{"$f":"V42/12","v":0},null,null,null,null,null,null,"חנות בשר",null,null,null,null,"דוחות תנועה וחניה",null,null,null,null,"מסעדה ואוכל בחוץ"]
[null,null,null,"אחזקת בית",null,null,0,null,"פק\"ם / מק\"ם",null,null,null,null,null,"חוגי הורים",null,null,{"$f":"Q43/12","v":0},null,"ביטוח חובה",null,null,{"$f":"V43/12","v":0},null,null,null,null,null,null,"ירקן",null,null,null,null,"מינוי לאיתורן / ברק",null,null,null,null,"חיות מחמד",null,null,null,null,null,null,"לא לשכוח: חובות בנקים, אוברדראפט, הלוואות, כרטיסי אשראי, הלוואות דרך המשכורת,  מכולת, "]
[null,null,null,"עוזרת / שמרטף",null,null,0,null,"דרך הביטוח",null,null,null,null,null,"קייטנות",null,null,0,null,"ביטוח צד ג' / מקיף ",null,null,{"$f":"V44/12","v":0},null,null,null,null,null,null,"מזון טבעי ואורגני",null,null,null,null,"כבישי אגרה",null,null,null,null,"תחביבים",null,null,null,null,null,null,"גמ\"חים, רופא שיניים, הלוואות מהעבודה, חברים, אנשים פרטיים, שוק אפור, "]
[null,null,null,"סיגריות",null,null,0,null,"קרנות השתלמות",null,null,null,null,null,"תנועות נוער",null,null,0,null,"סה\"כ לחודש",null,null,{"$f":"SUM(W42:W44)","v":0},null,null,null,null,null,null,"מים מינראליים",null,null,null,null,"סה\"כ לחודש",null,null,{"$f":"SUM(AL40:AL44)","v":0},null,"השכרת סרטים",null,null,null,null,null,null,"שיקים בחוץ,  ","פיגורים בתשלום: מס הכנסה, משכנתא, שכ\"ד, ארנונה, חשמל, טלפון, פלאפון, שכר לימוד, ביטוח לאומי, הוצאה לפועל, מע\"מ."]
[null,null,6,"דברים נוספים",null,{"$f":"IF(AQ50<>\"\",AQ50,\"\")","v":0},0,null,"חסכונות סגורים",null,null,null,null,null,"הרצאות",null,null,0,null,null,null,null,null,null,null,null,null,null,null,"מזון בעבודה",null,null,null,null,null,null,null,null,null,"תרומות בדלת"]
[null,null,null,null,null,null,{"$f":"F47","v":0},null,"חסכונות ילדים",null,null,null,null,null,"השתלמויות ולימודים",null,null,0,null,null,null,null,null,null,null,null,null,null,null,"קייטרינג / אוכל מוכן",null,null,null,null,null,null,null,null,null,"תיקון אופניים",null,null,null,null,null,"סה\"כ חובות מוסדרים: ",null,{"$f":"BD40","v":20000}]
[null,null,null,null,null,null,{"$f":"F48","v":0},null,"קופות גמל",null,null,null,null,null,"בריכה",null,null,0,null,null,null,null,null,null,null,null,null,null,null,"חיתולים ותחליף חלב-אם",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"בהחזר חודשי: ",null,{"$f":"AZ41","v":2000}]
[null,null,null,null,null,null,0,null,"הוצאות עתידיות",null,null,null,null,null,"אחר",null,null,0]
[null,null,"סה\"כ",null,null,{"$f":"SUM(F5:F49)","v":0},{"$f":"SUM(G5:G49)","v":0},null,"סה\"כ",{"$f":"SUM(J43:J49)","v":0},{"$f":"SUM(K43:K49)","v":0},null,null,null,"סה\"כ לחודש",null,null,{"$f":"SUM(R42:R49)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"סה\"כ לחודש",null,null,{"$f":"SUM(AQ40:AQ49)","v":0},null,null,"סה\"כ חובות לא מוסדרים: ",null,{"$f":"BE40","v":30000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"סה\"כ לחודש",null,null,{"$f":"SUM(AG40:AG50)","v":0}]
[null,null,null,"להפוך טור תקציב לתקציב חודש א'?",null,null,"לא"]
[null,null,null,"( כולל תקציב לחובות שבהסדר)"]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,"לא",null,null,null,null,null,null,null,null,"זכאות"]
[null,null,null,null,null,null,"כן",null,null,null,null,null,null,null,null,"משלימה"]