manage your finances
Everybody wants to save up. But some of us tend to splurge whenever we think we still have a lot of money to spare. I’m not sure if you have similar problems but I happen to be quite lax when it comes to managing my money. This 2007, I promised myself I wouldn’t have any more financial woes so I’ll be more cautious when it comes to spending.
I found this nifty Excel template to keep me more aware of my income and expenses. I’m not particularly good at Excel but this is really easy for me to use. The formulas have already been set and the expenses have been broken down to their respective classification like home expenses, daily living, health, transportation and the like. Just change the entries if you want it to be a little more personalized. It’s a simple spreadsheet for those who want to take a quick glance on how are they doing with their personal budgets. You can easily track down whether you have extra cash or not before you buy that cool little gadget that you’re eyeing. Since the presentation of the budget in this spreadsheet is on a monthly basis, I suggest you still keep a little notebook to write down your daily expenses and keep your receipts for reference.
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*deep breath*
for years i’ve been looking for the holy grail of tools for managing my finances. now here’s comes this simple, easy to understand, straight to the point template that would help me manage my money wisely.
thank you for this one ney. *smiles*
holy grail, eh? *lol* well sweetie, i hope you’ll diligently use this one. but i have to admit i learned a lot from you too when it comes to my finances, i’m not so much of an impulse buyer now, am i? :)
wow!!!! alex and i have the same financial goal for this year — SAVE! imagine, since we got married we really don’t have that much savings! we still don’t know if it’s possible especially now that we have 2 chikitings. but we’ll still try! thanks for this template.
glad you find it useful, russ. yeah. hopefully we’ll be richer this year. *lol*
oh, and thanks for the strawberry jam cheese sandwich! yum! :)
this is my goal for this year too.
actually, i started making my own bi-monthly excel spreadsheet late third quarter of last year. it helps but i have to be religious about it.
reports, spreadsheets and simply number crunching are what i do for a living but it’s still hard applying my knowledge to my own finances. :(
good luck to us!
yeah. saving can be difficult sometimes. hey cuz, maybe you could send me that bi-monthly spreadsheet thingie that you did. do you mind if i share it with my readers? maybe some of them will find the bi-monthly more applicable. thanks!