Budget summary: Finally the most important part of this sheet is the budget summary- Here you will see just how much you can spend.Once you have filled it out, your budget will adjust accordingly.-Big Purchase: Use this tab to create a budget for a large purchase, and adjust your budget easily and automatically to finance this purchase! The tab will allow you to see how much you're paying and how much interest you're accruing. Decide whether to pay the minimum payment OR choose an amount to pay. Within your expenses there are TWO areas to which you need to pay attention:-Credit Card Payments: this is new to this year's sheet, use the tab below to fill out your information for up to three credit cards. Finally, expenses are other things you need to allocate money for- whether it be gas, lunch expenses, transportation- ect. Bills are important expenses that you can't miss and are integral to living. Utilities are bills that are for electricity, heat, phone, internet, or water. Expenses: There you can add your expenses.If you are a worker who is tipped it includes an area where you can add tips, my suggestion is put in your minimum average income from tips- So for example, if you usually make 100 from tips a week, even if you get extra, try to program your budget around the 100 minimum average. Income: You use this to fill in your income and choose to have a monthly, weekly, or bi-weekly pay cycle.The main budget is divided into three core areas: that it be a good starting place for people who have never saved before. that it focuses on a daily budget that supports long term goals- instead of a long term budget that doesn't have daily support.The sheet was set up with three goals in mind: This spreadsheet is made so you only focus on ONE number. Another problem I faced is that I have ADHD, so impulse control can be hard, and it can also be hard to keep track of every purchase and focus on a bunch of aspects of a budget. Even now I still feel anxiety about money and can spend recklessly if I'm not careful. I was taught that money would disappear if I didn't use it, so I just USED it. I grew up very poor and had NO sense of what or even HOW to start budgeting. Hey guys! last year I made a spreadsheet to help myself budget- I'm terrible at sticking to a budget so I made a sheet that breaks it down so that I just have the ability to break it down to a daily manageable amount. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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