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It’s okay, just keep making adjustments, and it will get better and easier each month.īudgeting of some sort is critical if you want to master your finances or get out of debt. From personal experience, I can assure you that you won’t get it right the first month. If you are just getting started budgeting, I suggest reading two articles I wrote – How to make a budget and why budgeting is like baking cookies. So, if you have struggled with budgeting in the past and just want a simple solution that works, definitely check it out. If you want more handholding and specific instructions on how to set up a budget you can actually stick with, then check out our Real Money Budgeting online course. It is a simpler, easier, and more effective alternative to traditional budgeting. The user has to enter each purchase and details in order to get full and accurate tracking of daily expenses.ĭownload: Excel File (XLS) | Google Docs 13. ![]() Personal budgeting spreadsheetĪ good and simple budget spreadsheet. Very thorough with possible paid upgrades if desired.ĭownload: From Website 12. I like this one because all it does is provide a sheet to add up your expenses and your income, showing the difference.ġ1. It is very simple but has proven to be helpful, with the 2,000,000+ downloads. The second page is a printable payment schedule to help you keep track of your progress.Ī famous old Microsoft budgeting template. The first page is a basic calculator for you to enter your information, choose your total monthly payment, and see a summary of the results based on your debt reduction strategy. It allows you to create a debt reduction schedule based on the debt snowball method. This is a really cool spreadsheet that helps you decide the best method for paying down your debts. It is different than most because it works by pay period rather than by month. This sheet provides you with all of the possible categories to create your wedding budget, a place to estimate your spending as well as track your actual spending. This one is good if you are trying to add up income and expenses and find the difference between the two. ![]() It was created by a CPA, so that says something right there. This one is a spreadsheet and includes a PDF budgeting worksheet version as well. Financial Snapshot and BudgetĪ colorful and easy way to track your budget and overall Financial Snapshot!Ī monthly budget spreadsheet complete with written and video tutorial on how to use it. This user-friendly Excel family budget template has just the right amount of features to help you get your budget in order.ĭownload: Click here to download 3. 4 Money Habits To Start (that basically guarantee financial success).Our Honest Medi-Share Review after 14 years.We just checked off the biggest goal in our life.How I Broke Free From the Rat Race (in less than 2 years).How I made $2,145 Last Month by decluttering.How to get out of credit card debt (Free PDF).How to become a millionaire by turning $2k into $1 mil.4 Financial Lessons from Solomon: The Richest Man Ever.Why I took a Sabbatical YEAR (and how I did it).My Checklist To Financial Freedom (Free PDF).Why we began giving our age as a percentage.5 Bible Verses You Should Know (Free PDF).The Real Money Method (unbudgeting) course.With this plan, we were able to eliminate all of our credit card debt in only five years. My goal was to create a debt plan that wouldn't take decades to eliminate our debt, but also wouldn't keep us eating macaroni and cheese for dinner until we retire. That's when I sat down with a blank Microsoft Excel spreadsheet and just started playing around, using various techniques to cut down our budget to bare bones. There came a moment when we realized that we either had to make a personal budget that could outsmart the system or it would keep us enslaved for our entire adult lives. ![]() Years ago, my wife and I were saddled with so much debt that we thought it would take the next sixty years to pay it all off. I want to show you the four ways Microsoft Excel helped create a stable personal budget. It's a trick that I've seen a lot of people trying to sell elsewhere on the net - I'm going to share it with MakeUseOf readers right here, for free. Also, I'm going to share a technique to pay down your debt in a fraction of the time using the same exact payments you're making today.
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