While the sheets are by no means perfect, they’ve all helped me at times. It calculates how much you need to put into savings each month to keep them from making one or two months a year extremely uncomfortable. The Upcoming Expenses spreadsheet allows you to list all your non-monthly but known expenses. We need to save some money each month for these expenses to prevent this from happening, but how much? We get tunnel vision and pretend those expenses aren’t coming, and then WHAM they wreck our monthly budget. One of the more challenging things for people to budget is expenses that only happen once or twice a year. Not only does it have fields for the cards, but it also gives you places to keep track of fees, rewards, and special privileges your credit cards provide you.Ĭredit Card Audit Spreadsheet Upcoming Expenses Spreadsheet PT and I use, I created the Credit Card Audit spreadsheet. To help keep track of all the cards that Mrs. Whether you are using all your open credit card accounts or not, it is important to know all of your accounts, check in on them from time to time, and move any debt around to the lowest interest rates. One reason is that closing them can temporarily hurt your credit score. There are many reasons for having multiple credit cards.

Special Budget Spreadsheet Credit Card Audit Spreadsheet It is also a great starter budget for kids who don’t need all the features that household budget spreadsheets give you. The special budget spreadsheet allows you to plan this money out without clogging up your normal budget. This could be a lump sum of money you weren’t expecting or money you will use on a vacation that is sitting in savings. Sometimes you want to budget money that doesn’t fit exactly into your monthly budget. Simple Debt Snowball Spreadsheet Special Budget Spreadsheet This sheet does not count interest into the time, but people who get focused on paying off debt tend to find extra money to make their debt go away in about two-thirds the time this spreadsheet lists. I put together this simple Debt Snowball spreadsheet just so I could list all my debts out, put them in order from largest to smallest, and get a rough estimate of how much time till I was debt-free. For most people, the time it takes to get out of debt is much shorter than they think. When you are drowning in debt, it can feel like the process will last forever. Monthly Expense Tracker Spreadsheet Debt Snowball Spreadsheet This gives you a bit of warning so you can shift some money around from a different account and avoid an overdraft. Prevent Bank Over-Drafts: Since the sheet contains a running balance, you’ll be able to roughly predict what your balance will be at various points in the month.Avoid Late Payments: Since you list out your monthly recurring expenses by payment due date, you’ll be able to reference which bill is coming due at what date quickly.More on how this spreadsheet will help you:

This sheet includes a rolling calendar of recurring monthly expenses and income, as well as your total available balance projected out for 30 days or more. This sheet will help you avoid late payments and overdrafts by tracking all of your monthly recurring expenses and showing you how they will affect your balance at different times in the month. Here’s more information about the All-In-One SpreadsheetĪll-In-One Financial Spreadsheet (Excel) Monthly Expense Tracker If you’re the one source of financial knowledge for your family, you need this sheet or something like it stored away safely if something happens to you so that your family can take control of your finances. Help a loved one in the case that something happens to you. To make the most of your finances, you must know precisely where you are starting. See your entire personal finance situation all in one spot.

Online Log-in Credentials: If you’re worried about security, you don’t have to use this section, but I like to have all of my log-in information in one spot so that my wife could pick up the pieces if something happened to me.ġ.

This spreadsheet keeps the big picture in mind.

Financial Goals: It’s important to keep your financial goals in mind when viewing net worth and income vs.

While this isn’t a full-blown budget, it will help you visualize what you “have to” pay each month.

Personal Income Statement: This includes your income and all your recurring expenses.

Personal Balance Sheet: This is simply a listing of all your assets and liabilities.

In general, this sheet puts all your personal financial information in one simple, printable spreadsheet. First up is my all-in-one, dashboard-style spreadsheet.

Daily expenses worksheet software