#BOOKS PERSONAL BUDGET EXCEL SPREADSHEET REGISTRATION#
#BOOKS PERSONAL BUDGET EXCEL SPREADSHEET SOFTWARE#

If your expenses are more than your income, you are overspending and need to adjust. If your income is higher than your expenses, that's great news! Take this extra money and put it towards your savings goals or paying off debt. Total Your Monthly Income & Expensesĭowload this interactive spreadsheet, total your monthly income and expenses. Also remember holidays, vacation, and gifts.

#BOOKS PERSONAL BUDGET EXCEL SPREADSHEET REGISTRATION#

Think side jobs, tips, groceries, clothing, gas, utilities and sporadic expenses such as an annual car registration fee and semi-annual or quarterly expenses for tuition or other bills.

Variable Income and Expenses will change from month to month. Categorize Your Fixed and Variable Income & Expensesįixed Income and Expenses stay the same each month – items like monthly rent/mortgage, car payment, insurance payment, and paycheck. Organize savings by the following categories:Ģ. Gifts (Holidays, Birthdays, Special Occasions).Subscriptions & Personal maintenance (gym, nails, hair, etc).Phone/Cable/Internet/Streaming Services.Try organizing expenses by the following categories: Paystubs, income from side gigs, tips, commissions, social security, alimony, child support, etc. To get started with your budget, you'll need to do a little financial housekeeping and collect your financial paperwork (like bills, bank statements, receipts). And with this little bit of planning, you're on your way to saving for the things you want, managing your debt, and planning your future. Once you understand your bigger picture and what you want to accomplish with a personal or household budget, creating a budget will help ensure you have a plan to achieve your financial goals. There is a sense of calm, power, and freedom knowing how much money you have available to put towards your wants, needs, and savings goals. Check out more budgeting advice, tips and tricks so you can make the most out of your money.Having control of your finances is an amazing feeling. Of course, a properly calculated budget doesn’t just happen overnight. And when tax season rolls around, you have a convenient document to draw from, instead of hunting down receipts to present to your tax preparer. Work travel (broken down to lodging, meals, etc.)īusiness-focused templates are available for Excel, especially specific ones that keep track of your bill payments, general ledgers, or even expense reports for startups.īy tracking your expenses for your business in a spreadsheet, you can also identify potential sources for fraud, such as monetary discrepancies for yourself and others.Some of the most common categories for business expenses include: If you own a small business, you’ll have expenditures in different categories to record. Business expenses to consider for your monthly tracker By using the AutoSum feature, you can see how much you’ll be spending per month, or year, and tweak your budget to match your goals. Lastly, Excel makes it easy to tally up a total cost across columns. You can estimate how much you’ll pay per month for utilities, or if you know that you have a fixed rate for mortgages and loans, you can fill in the blanks ahead of time. Your rows can be tied to the months in this year where you’re anticipated to make monthly payments or save for major repairs. In an Excel template, you can create new sheets for each of these major categories, then break them down to specific expenses.įor example, create a new sheet, name it Housing, and then dedicate a column to the expenses that fall under this category (monthly mortgage payments, anticipated home repairs, etc.). Goals: Something you might be saving for in the long term, whether it’s a new car, an appliance upgrade, or sending a child to college.Emergency savings: Create an emergency savings fund and be prepared for anything.Entertainment: streaming subscriptions, video games, live shows, upcoming vacations and weekend getaways.Utilities: gas, water, heat, electricity, and Internet.Transportation: auto loans, public transit fare, car maintenance and repairs.Housing: mortgage payments, home repairs, homeowners’ insurance, and property taxes.Important categories in your personal budgetįor the average household, expense trackers usually contain the following:

#BOOKS PERSONAL BUDGET EXCEL SPREADSHEET SOFTWARE#

The fundamental questions you want to be able to answer with a quick glimpse are, “What did I spend my money on, and how much did I spend?” Spreadsheet software like Excel is ideal for displaying this information in rows and columns. Make better decisions backed by data and insights Learn More

Books personal budget excel spreadsheet