![]() I kept a small memo tablet in my purse & jotted down any- and everything “extra” so I could enter it during the weekly check-up. I was diligent with using this spreadsheet & checked it on a weekly basis. When I used this spreadsheet, I’d plug in all those non-changing items for the whole year (rent, transit expenses, cable, cell phone bill), and for other utilities, I averaged six months worth & added $10 to whatever the average was – since one bill is never the same unless you’re on some type of budget plan – With this guesstimate, I found that I generally had money back in my pocket which I applied to paying off a credit card here’n’there! The other “tools” I’ve used mainly show what I’m spending & when/where I’m spending it (like, when a bill is due, I open my budget spreadsheet, enter the amounts being paid, click AutoSum, and I’m done with it.) Still, I’m finding that I don’t have quite the same “stick-with-it” attitude doing it that way as I do with this one. I personalized it more by adding in extra columns to reflect my bi-weekly pay dates. ![]() I’ve used several others since, but I think I’m going back to this one it really is the best. This spreadsheet is very similar to one I used a few years ago. Little reviews and updates can add up to big changes. Step 5: Repeat, Revisit, Review!Ĭheck in with your spending, earning, and debt reduction. By facing the hard stuff and making changes you’ll turn your money around, rather than turning your back on your money. Step 4: Turn it around!įacing the numbers and looking for ways to cut spending, increase income, or changing spending habits can be a messy uncomfortable process. Wherever you spend, however much you owe, whatever you save - Your monthly totals are not your self worth, it’s your starting line. Family: Childcare, allowance, activities, books, toys.Routine Expenses: Groceries, clothing, personal.Enjoyment: Gifts, holiday, pets, entertainment, restaurants, hobbies.Financial: Bank fees, interest payments, debt repayment, savings accounts.Medical: Prescriptions, dental, health insurance.Utilities: Streaming, internet, phone, electricity, water.Transportation: Car, transit, fuel, maintenance, bicycle.Home Expenses: Rent, mortgage, insurance, maintenance, property taxes.Income: Salary, bonuses, investments, spousal income.Fill in the blanks and account for your cash. Grab your receipts, sort your bills, and check your bank accounts. But getting past the feels can lead to greater money confidence and increased financial independence. Feeling overwhelmed and stressed is normal. Add it up: Tally your monthly expenses.Take the first step towards meticulous financial management by downloading the template today and harness its full potential to achieve your financial goals. It simplifies complex budgeting tasks and gives you control over your financial future. The General Budget Template is a versatile ally in managing your finances. Customizing Charts/Graphs: Personalize visual data representations for better financial insight.Monthly Review: Compare monthly spending against the budget and adjust as necessary.Recording Transactions: Log each transaction as it occurs to maintain an up-to-date budget.Initial Setup: Enter personal income and set up expense categories.Accessing the Template: Find and copy the template to your Google Drive.Step-by-Step Guide on How to Use the General Budget Template Cost-Effectiveness: A free alternative to expensive budgeting tools and software.Real-Time Collaboration: Multiple users can view and edit the budget simultaneously.Accessibility: Access the template from anywhere with an internet connection. ![]() Time-Saving: Reduces time spent on manual calculations, freeing up more time for decision-making.Financial Organization: Provides a systematic approach to managing finances.Security: Google Sheets' robust security features protect your financial information.īenefits of Using the General Budget Template. ![]()
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