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  Thursday, March 20, 2008 – Permalink –

Budget Spreadsheet

Free money (tracker)


One of the first things people do with Excel is make lists. Next they attempt to set up a budgeting worksheet.

Michael Ham has a free downloadable budget spreadsheet. The formulas are protected, but you might consider it an exercise to figure out how they work.

Your income
Just your take-home pay, which is what you control and spend.

Cash reserve
A reserve equal to 3-6 months of take-home pay.

Savings
A portion of your income set aside to fund your retirement.

Fixed expenses
Expenses that you must pay over the course of a year.

Replacements
You also must pay to replace things that eventually wear out.

Weekly allowance
Partly discretionary, partly not; paid by cash from your pocket.

Periodic purchases
Discretionary purchases paid by check periodically.

Future purchases
Big-ticket discretionary purchases that you must save for.

Summary
A summary of your income and where it goes—and where you are.

QuickForm
You can switch to this format once you're familiar with the method.

Tips
Ideas to help pare your expenses.

Lulu.com



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<Doug Klippert@ 8:02 AM

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