Question by tinyavenger: Free Budget Spreadsheet-Personal Finances? I am looking for a free, easy to use household monthly budget in spreadhsset format. Anyone know where I can find a good one? Please provide link. Thanks Best answer for Free Budget Spreadsheet-Personal Finances?:
Answer by Susie T
http://www.free-financial-advice.net/budget.xls http://www.free-financial-advice.net/create-budget.html Don't worry about the pennies so much, but look at the size of the categories and the trends. What are you spending too much on? That's where you should concentrate. Good luck!
Answer by Brandon
Hey, As a former financial consultant, I often had clients requesting this type of advice but had a tough time finding something good. So I created my own and works very well. I'm also pretty sure yahoo has a good one as well under their links. Whether you use ours or one from another source, make sure it does the calculations for you, gives you targets spending in key areas and allows to to modify and update the information easily. YahooAnswers is a good place to start for your budgeting tips. Keep up the search for knowledge and you'll do well. Apply what you learn and you'll do great. Good Luck
Answer by Dayton
I personally like Dave Ramsey's budget spreadsheet. I managed to find it and a written one at the link below. I agree with what this guy says in his blog post which is to actually write out your budget with pen and form for the first few months before doing it in excel. There is something to physically making out the budget this way that makes it more real and personal to you.
For more, go to www.thousandaire.com If you want to manage your budget with a spreadsheet, here's a step by step process on how to do it. I use this method every month, and it works phenomenally. It is very easy to not only see my budget and see my actual expenses, but also see how well I am following my budget. Before you start here, let me strongly suggest that you start making all of your purchases with a debit or credit card. It's very easy to go to your online account and look at your monthly transactions. On the other hand, it is very difficult to save cash receipts or write down the exact amount of what you are buying every time you spend money. Using a card responsibly is vital, not only to your budget, but to managing your finances at an overall level. For more, go to www.thousandaire.com
... 'financial health' and making people think. Doing our household accounts has become a ritual of mine â€" at the end of the month I sit in my study with a nice espresso and pour over spreadsheets, receipts and handwritten notes. ... Our budgeting ... Living Life, Loving Life and Budgeting for It: The Cinderella Rule of Personal ...
Managing household budget is an art in itself. In this time of recession a person must have a hold on his or her household budget. When you create a budget for your family, you clearly know the expenses against your monthly income. This helps in taking decisions about your family spending. A household budget spreadsheet is the most efficient tool to deal with the different aspects of personal financing.
What is household finance?
It is said that life is full of ups and downs. One must always be prepared to face the different challenges of life. Creating a family budget helps in avoiding financial problems in the future, thus giving your family the ability to handle unforeseen events. Putting a family budget takes a lot of time and effort. Here comes the importance of a household budget spreadsheet.
The first and foremost thing before preparing your household budget is to gather information. One must have a track of the family income which includes the income of both husband and wife. It will also include details regarding any additional incomes if any. This should be followed by having a track on your expenses. Gather all of the household monthly bills including cell phone bill, electricity bill, loans, rent, water usage bill, cable bill, school fees and other miscellaneous expenses.
Contents of a household budget
The first step towards creating a household Budget Spreadsheet is to select a budget template that best suites ones household expenses.
A household budget spreadsheet will basically have columns for income, expenses which will include both fixed and variable expenses, and then at last your net income. Your net income will be calculated after subtracting expenses from income. Fixed expenses will include loan, insurance, rent, tax, school fees etc. While variable expenses will include electricity bill, water bill, gas bill, groceries, telephone bill, cable or satellite bill, auto maintenance, medical bill, clothing, dry cleaning etc. One can always customize a household budget spreadsheet. Once you have made a template of the same, you only need to enter the exact numbers and in a second you will get your monthly net income.
Provision for months and year should also be made. Thus a household budget spreadsheet helps you in analyzing your expenses and incomes so that you can curtail unnecessary expenses thus saving for the future. This will in turn help you in making investments. The increased importance of spreadsheet has lead to an increased amount of budget spreadsheet that is now available in the market.
A household budget spreadsheet is a tool to manage income and expenses. It is a versatile medium to keep track of your expenses which is a must for your future. Moreover, it is an important instrument for financial planning.
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