SELECT THE WORKSHEET

1. Click anywhere on the empty Workspace surrounding "Table 1".

result:  The Sheet properties are displayed in the Format pane.

FORMAT THE WORKSHEET

In the Sheet properties pane, there are three sections: Sheet Name, Background, and the Duplicate Sheet and Delete Sheet buttons.

1. Click inside the text box in the Sheet Name section, and drag over the default sheet name (“Sheet 1”).

result:  A transparent brown background highlight indicates the value is selected.

2. Press the caps lock key.
3. Type “EXPENSES”, and press the return/enter key.

Note: If Numbers won’t accept your entry, it’s because you already have a sheet with that name.

4. Press the caps lock  key again, to release it.

result:  Your entry appears in the Sheet Tab, above the Workspace (Sheet).

In the Background section,

5. Click the colorful circle to the right of the white rectangle.

   result:  The Sheet Color dialog box appears.

If “RGB Sliders” is not already showing in the selection box,

6. Click the RGB Sliders icon (second icon from the left), or click on the “up-down” carets and select it from the drop-down menu.
7. Click (or click-drag across) the value in the “Hex Color #” text box.

When a brown background highlights the text, and a thick green border surrounds the text box.

8. Type “dcdcdc”, and press return/enter.

result:  The Workspace (white Table Cells and surrounding background) changes to light grey.

9. Close the Sheet Color dialog by clicking the tiny red button at the top of the dialog box.

ENLARGE THE VIEW

At the top, left corner of the Numbers window, under the red, yellow, and blue buttons, is a Zoom control.

1. Select the “down” caret, and select “125%” from the drop-down menu.

result:  The view enlarges.

SELECT THE ENTIRE TABLE

1. Click anywhere inside the table to make it the active object.

result:  White guides, containing Column Letters and Row Numbers, appear above and to the left of the table. Panels containing the Column Letter and Row Number of the cell you clicked change from white to light green, and a thin green border surrounds the selected Cell.

2. Click on the circumscribed circle where the Column Letter guide and the Row Number guide intersect.

result:  The entire table is now selected. Small squares appear on the right and bottom borders, and at the bottom-right corner of the table.

FORMAT ENTIRE TABLE

Numbers has a Table menu and a Table tab. The Table menu is on a menu bar that drops down when you position your cursor at the very top of the screen; the Table tab is atop the Format pane.

If not already selected,

1. Click the Table tab.

result:  A green, rounded-corner, rectangular highlight indicates that the Table tab is selected.

Locate the Table Options section (below the Table Styles section). You may need to scroll up to see it.

In the Table Options section, the Title property should be “checked” by default. If not,

2. Click the empty box to the left of the word “Title”.

result:  A check mark will appear there.

Below the Table Options section, in the Headers & Footer section,

3. Set the number of Header Columns to “0”

result:  The table changes.

4. Set the number of Header Rows to “2”.

result:  The table changes.

The number of Footer Rows should be set to “0” by default. if not, please set it to “0” as well.

Below the Headers & Footer section is an area where you can specify the number of Rows and Columns.

5. Double-click (or click-drag) to select the value in the Rows text box, and type “20”.
6. Press the return/enter key.

result:  The table changes.

7. Set the number of Columns to “8”, unless it is already set to eight by default. Remember to press return/enter.

result:  The table changes.

Below the Table Font Size section, in the Table Outline section,

8. Click the green button on the menu box on the left
9. Set the Outline Width to “1 pt”.

Scroll down to see the Row & Column Size section.

10. Set the Row Height to “.28”.

special note:  The box may already show a value of ".28". However, if the value in a box is italicized, and grey, it is a setting common to most, but not all, elements of that type.

11. Set the Column Width to “.77”, and press return/enter.

result:  The table changes.

FORMAT ALL

1. Using the Zoom control, enlarge the view to “150%”.

Cells

Click the Cell tab.

result:  A green highlight shows that it is selected.

In the Data Format section,

1. Click the “up-down” caret on the green button, and select “Number” from the drop-down list.
2. Double-click to select the value ("Auto") in the “Decimals: “ text box, and type “2” (or click the “up” caret to the right of the text box three times), and press return/enter.
3. Click the check box next to “Thousands Separator”.

Text

1. Click the Text tab.

In the Text Color section,

2. Select the darkest red color (second column from the right) from the Color Palette.

Below the text alignment section,

2. Deselect the check box next to “Wrap text in cell”.

FORMAT SOME - Columns, Data

Column Widths

1. Click the “A” on the Column Letter guide.

result:  The white guide panel turns green, and a thin green border surrounds the selection.

2. While holding down the command key (⌘), select Column (H).

result:  Column (H) is added to the selection.

3. Click the Table tab.

In the Row & Column Size section,

4. Reset the Column Width to “.17”, and press return/enter.
5. Select non-adjacent Columns “B” and “G” (only).
6. Reset the Column Width to “.28”, and press return/enter.

result:  Both columns are resized.

7. Select Column “C”.
8. Reset the Column Width to “1.73”, and press return/enter.

result:  The column is re-sized.

Select Non-adjacent Columns

1. Select non-adjacent Columns "B" and "D".

Format Data Cells

1. Click the Cell tab.

In the Data Format section,

2. If not already selected, select “Number” from the upper drop-down menu.
3. Reset the vallue in the “Decimals: “ text box

Note:  These Columns will contain numbers that represent dates; hence, no decimals.

4. Press return/enter.
5. Deselect the check box next to “Thousands Separator”.

DATA ENTRY

Type an Entry Into a Cell

To enter information into a cell, simply click on the cell and begin typing.

1. Click Cell (C2).
2. Type “Payee”, and press tab.

result:  Your entry is accepted, and the active cell moves one Column to the right.

3. Type “Due Date”, and press tab.
4. Type “Amt/Mo”, and press tab.
5. Type “Allocation”, and press tab.

note: to type a check mark, hold down the option/alt key, and press “V” (⌥-V).

6. Type “√”, and press return/enter.

result:  The active Cell moves down one Row, and back to Column "C", the column in which you first typed an entry.

7. Type “%”, and press return/enter.

result:  You entry is accepted, and the active Cell moves down one Row

8. Type “Streaming Service”, and press tab.
9. Type “5”, and press tab.
10. Type “14.99”, and press return/enter.


11. Type “Credit Card Payment”, and press tab.
12. Type “9”, and press tab.
13. Type “0”, and press return/enter.

result:  Numbers applies the two-decimal Cell format you specified earlier.

14. Type “Electric Bill”, and press tab.
15. Type “13”, and press tab.
16. Type “245”, and press return/enter.


17. Type “Water Bill”, and press tab.
18. Type “17”, and press tab.
19. Type “33.65”, and press return/enter.


20. Type “Phone Bill”, and press tab.
21. Type “21”, and press tab.
22. Type “184.5”, and press return/enter.

result:  Numbers applies the two-decimal Cell format to your entry.

23. Type “Internet”, and press tab.
24. Type “25”, and press tab.
25. Type “91.25”, and press return/enter.


26. Type “Rent/Mortgage”, and press tab.
27. Type “29”, and press tab.
28. Type “900”, and press return/enter.

CONTINUE FORMATTING

Format a Column of Text

1. Select Column (C).
2. Click the Text tab.
3. Open the Text Color dialog box.
4. Change the ”Hex Color #” value to ”40217c”.
5. Press the return/enter key, and close the dialog box.

Format Text Color, Alignment in Non-adjacent Columns

1. Select non-adjacent Columns (B) and (D).
2. Choose black from the Color Palette.
3. Select Column (G).
4. Choose dark green from the Color Palette.
5. Add Columns (D) and (B) to the selection (three columns are now selected).

In the alignment section,

6. Click the second button from the left, on the top row of buttons, to center the text horizontally.

Select and Format a Range of Cells

1. Select Range (2C:2F)  [2C "through" 2F"].

result:  A green border surrounds the active selection.

In the Font section,

2. Click the “B” button and the “U” button.

result:  Text in the selected Range is unbolded and underlined.

3. Click on the Text Color selection box. The value displayed in the box is three grey dots, signifying that the text in the selected Range is formatted for multiple colors.
4. Choose the black from the Color Palette.

Add a Selection to a Range of Cells

1. While holding down the command key, select Cell (G2)

result:   Cell (G2) is added to the active Range.

In the Font section,

2. Click the I” button.

result:  The text is "italicized".

FORMULAS

Enter a Formula

1. Select Cell (F4).
2. Type an equal sign (“=“).

result:  The formula entry bar appears.

3. Type in the following formula:

[ note:  when you type a forward slash (/), Numbers renders it as a division symbol (÷); When you type an asterisk (*), Numbers renders it as a multiplication symbol (x) ].




---

Income 1::F$8/SUM(Income 1::F$8+Income 2::F$8)*E4

---



4. Click the green check mark to accept the formula.

Copy a Formula

1. Hover your cursor over the bottom border of the selected cell - Cell (F4).

result:  A small, yellow dot will appear.

2. Position the top of your cursor over the yellow dot.

result:  Your cursor will change to an “up-down” arrow.

3. Click-hold the yellow dot, and drag down to (and including) Cell (F18).
4. Release the click.

result:  The formula is copied to the other Cells in the Range.

Insert a Formula

1. Select Cell (F19).
2. Click the Insert menu at the top of the screen.
3. Near the bottom of the pop-up menu, hover your cursor over “Formula”.

result:  A submenu appears.

4. Choose “Sum” from the submenu. [Insert > Formula > Sum].

result:  Numbers supplies the formula.

5. Press shift-tab (⇧tab).

result:  The active cell moves one column to the left.

CONTINUE FORMATTING

Format an Empty Cell

1. Click the B button.

result:  The text you are about to type in Cell (E19), will be bolded.

2. Click on the Text Color selection box, then click the black rectangle in the Color Palette.

result:  The text you are about to type will be black.

In the text alignment section,

3. Hover your cursor over the third button from the left, on the top row of buttons.

result:  A Tool Tip appears.

4. Click the button.

result:  The text you are about to type in the cell will be right-justified.

5. Type “Monthly Payments Subtotal”, and press return/enter.

! ALERT !

Now, wouldn’t it be great if your Table could somehow alert you to the fact that a creditor was about to make a scheduled withdrawal from your account - an alert - to remind you to transfer the funds to your checking account, to avoid NSF charges and/or late fees?  Well, . . .

Create an Alert!

1. Select Cell (B4).
2. Type an equal sign (“=“).
3. Press the caps lock key, and type the following , exactly as it appears:



---

IF(AND(D4−DAY(NOW())>0,D4−DAY(NOW())<4),D4−DAY(NOW())−1,"")

---

4. Release the caps lock.
5. Click the green check mark.

result:  Depending on today's date, a number may (or may not) appear in the cell - either is OK. To complete the alert!, we need to pull a few more rabbits out of the hat.

CONDITIONAL HIGHLIGHTING

Create Conditional Highlighting

1. Click the Cell tab.

result:  You now have access to the Cell properties.

2. If not already selected, select Cell (B4).

Below the Border section,

3. Click the “Conditional Highlighting…” button.

result:  The Conditional Highlighting pane appears.

4. Click the “Add A Rule” button.
5. Select "123 Number", from the menu on the left.
6. Select "Greater than or equal to a number" from the menu on the right.


7. Type “0”.
8. Click the “down” caret in the Green Fill menu.
9. Scroll to the bottom of the list and select “Custom Style”.

result:  A row of typeface buttons, a Text Color selection box, and a Color Fill selection box appear.

10. Click on the selection box to the right of the row of typeface buttons, and select the white rectangle from the Color Palette.

result:  Text in the selected Cell turns white.

11. Click on the selection box labelled "Color Fill:", and select the dark red rectangle from the Color Palette.

result:  Text in the selected Cell turns dark red.

12. Click the “Add A Rule” button, again.
13. If not already selected, select "123 Number", from the menu on the left.
14. Select "Less than a number" from the menu on the right.
15. Type “4” in the text box with the blinking cursor, and the thick green border surrounding it.


16. Click the “down” caret in the Red Fill menu below that.
17. Scroll to the bottom of the list and select “Custom Style”.
    
18. Click on the selection box to the right of the typeface buttons, and select the white rectangle from the Color Palette.
19. Click on the selection box labelled "Color Fill:", and select the dark red rectangle from the Color Palette.
20. Click the “Done” button.

If there's no apparent change, it's OK: without a due date, there will be no alert!.

Copy the Conditional Highlighting

If not already selcted,

1. Select Cell (B4), and hover your cursor over the bottom border.

result:  A small, yellow dot will appear.

2. Click-drag the yellow dot down to (and including) Cell (B17), and release the click.

result:  Your formula is copied to the other Cells in the Range.

Note: If a red square appears, with a white number in it, that’s how many days you have to make the transfer, before the withdrawal date arrives.

Your Table now shows your due dates, signals an alert!, three days in advance of the due date, that you need to make (or schedule) a transfer. And, should you be interrupted (or run out of funds) during the Allocation process, the √ Column is there remind you where to resume.

PROXY

Distinguish a Proxy

As you know by now, a Credit Card item is not an Expense; it is a "Proxy". Proxies are formatted differently, to set them apart from the other Monthly Payments.

1. Click the Text tab, and select Cell (C5).
2. Choose the darkest violet (right-most column) from the Color Palette.
3. Press the tab key twice, to make Cell (E5) the active cell.
4. Choose the darkest orange from the Color Palette.

Increase Font Size

1. Select Cell (F19).

In the Font section,

2. Press command-+ (⌘-+) to incease the Font Size by "1 pt".

Note:  The "pt" value in the Font section increases.

ADD COLUMNS (for the second Income-earner)

1. Select Column (F).

From the Table menu at the top of the screen,

2. Select "Add Column After" (Table > Add Column After).

result:  A column is inserted to the right of the selected Range.

3. Select Column (H).

From the Table menu at the top of the screen,

4. Select "Add Column Before" (Table > Add Column Before).

result:  A column is inserted to the left of the selected Range.

Drag and Drop a column to a new position

1. Click-hold the "H" on the Column Letter guide
2. Slowly, drag left; when a thick green line appears between Columns "F" and "G", release the click.

result:  The column is moved.

1. Select Cell (G2)
2. Type a check mark (option-V), and press return/enter.

Merge Cells

1. Select Range (1F:1G).
2. From the Table menu at the top of the screen, select "Merge Cells" (near the bottom of the drop-down menu), or press control-command-M (⌃-⌘-M).
3. Select Range (1H:1I).
4. Press control-command-M (⌃-⌘-M).

result:  The cells merge.

Format Section Headings

1. Add merged Cells (1F:1G) to the selection (hint: while holding down the command key (⌘), click Range (1F:1G)).

result:  The active selection now contains both pairs of merged Cells (Range (1H;1I) and Range (1F:1G)).

2. Select the Text tab.
3. Choose black from the Color Palette.
4. Align text to center.
5. Select Range (1F:1G).
6. Type "IE-1", and press tab.
7. Select Range (1H:1I).
8. Type "IE-2", and press the down-arrow key (▼), once.
9. Type "Allocation", and press return/enter.

DE-CLUTTER

1. Select the entire table (hint: circumscribed circle).
2. Click the Table tab.

In the Gridlines section,

3. Deselect the two boxes on the left.

result:  The gridlines are removed

4. Click the Cell tab.
5. Select Range (A1:J2).
6. In the Border section, select the top-row, center icon (Inside borders).
7. From the selection menu to the right of the middle row of icons, choose "No Border".
8. In the Border section, select the bottom-right icon, (Bottom border).
9. Click the down-caret to the right of the Border Width text box twice, to reset the value to "0.5pt".

CONDITIONAL HIGHLIGHTING

CONDITIONAL HIGHLIGHTING

1. Select Columns "F" and "H".
2. Click the Cell tab above the Format pane.
3. Click the "Conditional Highlighting..." button.
4. Click the "Add a Rule" button.

If not already selected,

4. Select "123 Number", from the menu on the left.
5. Select "Equal to a number" from the selection menu on the right.
6. Type "0".
7. Click the down-pointing caret on the selection menu at the bottom.

A menu appears.

8. Scroll down to the last menu selection, "Custom Style", and click it.

result:  A row of typeface buttons, and two color selection boxes appear.

9. Click the "B" on the row of typeface buttons, to unbold the text.

result:  Bolded text is unbolded.

Below the row of typeface buttons,

10. Click the colorful circle on the color selection box to the right of the typeface buttons.
11. Click on the value in the "Hex Color #" text box.
12. Type "dcdcdc" (the color you assigned to the Worksheeet background), and press return/enter.

result:  Those pesky zeros vanish.

5. Close the Text Color dialog.

ALLOCATION

You may have noticed that the IE-1 Allocation Column lists only a portion of the total for each Expense. The formula you entered and copied returns an amount based on a percentage of Total Net Income, equal to each earner's share. You'll now copy, then modify that formula, to calculate the Allocation amount for IE-2.

1. Double-click Cell (F4).

result:  The formula bar appears, with a formula already in it.

2. Carefully, click-drag, to select the entire formula.
3. Press command-C (⌘-C).

result:  The formula is copied to the clipboard.

4. Click anywhere on the empty Workspace surrounding the Table.

result:  The Format pane changes.

5. Select Cell (H4), and press "=".
6. Press command-V (⌘-V).

result:  The formula is pasted into the Cell selection.

7. In the formula bar, double-click on the first Cell reference ("Income 1::F$8").
8. Carefully, double-click on the number "1" in the Cell reference (to select it for editing).
9. Type "2", and click the green checkmark.

result:  The formula is modified, to refer to the Total Net Income listed in Table "Income 2".

10. Click-hold the yellow dot on the bottom border of Cell (H4), and drag down to (and including) Cell (H18).
11. Release the click.

result:  The formula is copied to the selected Range.

COPY AND PASTE

1. Select Cell (F19).
2. Press command-C (⌘-C).
3. Select Cell (H19).
4. Press command-V (⌘-V), and press return/enter.

NAME A TABLE

1. Locate the default title (“Table 1”), above the table on the Worksheet.
2. Triple-click it rapidly to select it for editing.
3. Type “Monthly Payments”, and press return/enter.

note: If Numbers won’t accept your entry, it’s because you already have a Table Title by that name.

SAVE YOUR WORK

1. Press command-S (⌘-S) to save your work.

Or, from the File menu at the top of the screen,

2. Choose "Save" from the File menu. [File > Save].