These free budget templates are an easy way to get an overview of your cash flow (monthly expenses versus monthly income). Microsoft Excel isn’t all about complex formulas. The aim is to use tools that allow you to devote fewer hours to your money management.
When it comes to budget templates, it’s best to keep them simple, and there are many user-friendly tools available to save you time and stress. Does this mean you need to master complex financial formulas? Not at all.
The thought of creating a budget spreadsheet can be intimidating. But, it doesn’t have to be! I spoke with a couple in episode 114 of my podcast about how a big income lead to big debt.ģ Budget Spreadsheet Templates to Get You Started The entire point of these tools is to simplify money management so you can think about your money less, not more.įor many people, budgeting and planning for big expenses like vacation are a struggle. Then, you can use a budgeting app to help you stick to it, for example, by automating your expense tracking. Straightforward spreadsheets can help you create your conscious spending plan. Finally, you need to stick to your plan.īudgeting spreadsheets and tools can help you every step of the way. You then need to decide how much money to allocate to each bucket. You need to start with a bullet-proof budget, categorizing all of your expenses into one of those four buckets: fixed costs, investments, savings, and guilt-free spending. Conscious spending is a great way to enjoy life while still building a financially secure future.
0 kommentar(er)
