You need to know where you are spending your money if you ever hope to take control of your finances. ? You avoid maintaining a budget, and I think he has too much work and time? ? Could use something very simple that does not require complicated software? If you can enter numbers in an Excel spreadsheet, you can track your spending and manage your money easily.
SpreadSheet Use the budget available free at the end of this article. Simply enter your charge amounts for each month and the computer will automatically calculate all totals. Or you can use other forms of budget or software and still follow the same steps.
1. To provide cash expenses that you spend a similar amount each day, or even think about entering the three dollars each time it passes, simply because not doing so.
- What happens if you know you usually spend $ 3 for donuts and coffee on their way to work? Multiply $ 3 times 20 days, equivalent to $ 60. Then enter this $ 60 in the framework of the 'restaurant' for that month in the budget form. You do not have to be accurate to the penny.
- Do this the same for their other cash expenses regular, as the kids school lunches, the kids of diets, parking fees, meals at work, etc. Enter these ordinary expenses once a month and then forget them up.
2. OTHER EXPENSES OF CASH for, maintaining income and put them in an envelope by the team.
- As soon as you can, enter the expenses in the form in the category, as the 'Restaurant' or 'Auto' to wash.
- If there are two categories of expenses on the receipt as well break the bill and enter the correct amount under the two categories. Do not try to be accurate to the penny. Just quickly 'guesstimate' the two amounts.
- also enter the expenses that are deducted from your paycheck, such as health insurance premiums and life insurance or United Way contributions.
- No track their taxes withheld, or savings or revenue, which is not the purpose of this form, and become too much of a task.
3. WRITE CHECKS ARE F? Cult to TRAIL.
- At the end of the month, to keep track of your checkbook and just enter the amounts under the right categories in the budget form.
- Draw a small line on the check book so you know the latest amount you entered and so you know where to start again.
- What? You say that it is always written in the amount and payee. Need to do this to manage your checking account and do it.
- If using a check card, should also be writing the amount in your checkbook register.
- If you pay a fee to cash your paycheck, enter it in the category of 'rights and business. "
- Enter any other checking account fees on your statement. Then make a mental note to check that the fees are the first expenses that must be removed somehow.
4. Keep receipts CREDIT CARD EXPENSES.
- Put in on the team and enter as soon as possible.
- If your credit card arrives, look and make sure you have entered all their positions, including automatic payments.
- It must be possible to find fraudulent charges and identity theft that can happen to anyone.
- DO NOT enter the monthly payment by credit card because they have already entered in each of the things you charged.
- Introduce, under the 'Business' category, or any credit card interest rates you pay.
- NOTE: If you are entering into a purchase by two or more categories, always enter the total amount charged under a category like 'Overseas'. Then, just below it in the budget form, enter a negative number to show they are excluding, for example, $ 15.25. Then enter this $ 15.25 under the appropriate expense category, such as 'clothing'. That way, when you're comparing his position to his statement of expenditure, you can quickly check that you have entered all charges.
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The expenditure budget worksheet on the computer will automatically add the monthly totals for each category. That will also give a total for a category? O. Now, you can easily see that their hard-earned money is going and you are ready to take control of your expenses. Go to http://www.forhonor.com
. Click the option in the top right of free downloads. You can then click on the budget spreadsheet templates and the option to download to your computer. The download is free and no registration is required. Have fun taking control of their money.
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