Highly stylized templates may look cool, but can become distracting and difficult to work with from a practical standpoint. Layout and legibility: If you’re going to use and update this spreadsheet regularly, it helps to ensure that its layout lets you easily track your data. Are features you need to use hidden away in hard-to-find places? Are the menus overly complicated? Choosing a program or template that’s confusing to use or requires advanced knowledge from novice users can frustrate your budgeting efforts. User-friendliness: You’ll need to update your data regularly for your budget spreadsheet to be effective at tracking your finances.When choosing your spreadsheet program or template (PDF), it can be helpful to consider a few things: You may also be able to find pre-made templates you can use with some of the most popular spreadsheet programs. There’s a plethora of spreadsheet software to choose from, as well as several online budget planning apps. Choose a spreadsheet program or templateĪ logical starting point to building a budget spreadsheet would be to choose a program or template for this purpose. Consider visual aids and other features.ġ.Enter your numbers and use simple formulas to streamline calculations.Set your budget period (weekly, monthly, etc.).Create categories for income and expense items.Choose a spreadsheet program or template.Here are some steps that may help when building your own budget: It can help you track your income and expenses, identify areas where you might be able to save money and give you a more detailed view of your financial habits.Ĭreating an effective budget spreadsheet is often the first step toward taking greater control over your financial destiny. Afterward, make a grocery list of only the items you need so when you shop, you avoid buying what you already have (cutting down on food waste too).When it comes to managing your finances effectively, a budget spreadsheet may prove to be one of the most accessible tools in your arsenal. How much food do we waste by not knowing what we already have before grocery shopping? Use a fun PetitePlanner Meal Planner to note the food you have in the fridge and on your shelves, and then plan your meals for the week. How much money do you spend on food and drinks when you go out? It adds up, doesn’t it? Keep that money in the bank and, instead, try game nights, potlucks, and get creative so you can enjoy good times and great savings! 6. Enjoy cozy at-home fun instead of going out. If you’d like to take it a step further and track your water intake and weight-loss and begin setting and reaching those health goals of yours, try a guided Wellness Planner.ĥ. More often than not, it will! This simple money-saving tip is also a great way to lose a little extra weight. Instead of automatically reaching for snacks and sodas, drink water first and see if your hunger or thirst goes away. Often when we think we’re hungry, we’re actually thirsty. Then, multiply your savings by 52 to get an idea of how much money you could save a year! 4. There is no shame in collecting coupons! If you’re not convinced it’s worth the effort, try it for just a week and tally how much you save. List all your subscriptions and cut out those you don’t need or use and those you can replace with free alternatives (like library apps for free audio downloads). Those paid subscriptions can add up -audiobooks, streaming services and app after app. List and eliminate unnecessary subscription services. Not only will you surprise yourself by how much money you save, but every time you look at that jar, you’ll be encouraged to keep it up! 2. Go on a fast-food fast.Ī day, a week, a month … however much time you think you can fast from fast food, try it! And every time you opt to cook at home and resist those fast food cravings, pop the money you saved into a jar. Start Saving Money Now with These 6 Quick Budgeting Tips 1.
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