- Excel budget template how to#
- Excel budget template update#
- Excel budget template full#
- Excel budget template Offline#
She shared the first iteration of her spreadsheet on Reddit three years ago. There's a daily "spendable" amount at the top of the budget that's customizable. The post has over 10,000 upvotes - a sign of approval from fellow Reddit users. Celes recently shared the latest iteration of her budget template on Reddit, which has an active and growing personal-finance community. She grew up experiencing food insecurity and felt a need to always have food in the house, she said, but didn't have a sense of urgency to pay medical bills, for example.Įventually she sat down with her partner, someone "who was taught the value of money," and created her first budget. Bills often piled up.īy the time she graduated college and started earning her own paycheck, Celes didn't know which expenses to prioritize. When cash came in, her family decided on the fly what to buy and what to forgo, the 29-year-old scientist - who uses a pen name online - told Insider. Money was fraught with uncertainty during Celes' childhood. Check out a list of money saving products I use, in order to drive your costs lower on things like cell phones, internet, energy, water, insurance, and much more.By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept our It will be a lot of hard work and a challenge, but completely worth it. Now that you know what your budget looks like, the fun work begins – optimizing your monthly budget. Ideally, this personal finance budget planner will allow you to predict how much cash flow you have available to spend during a given month so that you can plan throughout the year.
Excel budget template update#
You should really only need to update your sheet periodically as an income or expense item changes in amount, or at the end of every month as you you receive your statements. Now, you will want to fill out your one-time items:įinally, add your totals on the corresponding rows (12 and 45 in the original) on the ‘Total Budget’ sheet: First, click on the tab (at the bottom) for the corresponding month: Now, you will want to account for one-off income and expenses for each month. The expenses section is highlighted below.ģ. All months in which you don’t pay that expense should have $0 posted. auto insurance) that you only pay once per year, pro-rate (divide by 12) to get a monthly budgeted amount, and then fill out the cell for the month the expense was paid. If you have consistent one-time expenses (i.e. Next, collect your credit card and bank statements to fill out your regular expenses. First, grab your W2 so that you can input all of your income rows, in the section as shown below:Ģ. Here is a step-by-step process for filling out your budget.ġ. However, make sure that the formulas in the ‘Total’ rows compensate for your alterations.
Excel budget template how to#
How to Use your Free Personal Budget Planner SpreadsheetĮveryone’s personal income and expense lines are going to vary slightly from what you will find in this personal budget planner. ods spreadsheet, you can also select ‘File’ and ‘Download As’ to download those formats.
Excel budget template Offline#
If you prefer an offline Excel (.xlsx) or. Do not request to share, just make a copy and use the copy for your personal use. Now you should be able to edit your own version in Google Docs. If you do not have a Google account, create one here. In order to save and edit your own version of this spreadsheet, log in to your Google account, select ‘File’, and ‘Make a Copy’. You’ll notice that you cannot edit this spreadsheet. Free Budgeting Spreadsheetįor the free Google Docs personal budget planner spreadsheet, follow this link:Ģ personal budget planner (Google Docs) I have also included an easy-to-follow tutorial on how to use these spreadsheets.
Excel budget template full#
The spreadsheets included in this post have brought theory full circle and will give you the functional tool to do it. Recently, I posted an article about how to create a personal budget, which gave the theory behind creating an easy to use personal budget.