Have you ever experienced lacking money? That fact that as soon as it comes in, it goes out without asking for permission, without hesitation?
I have heard it many times in my life. It even happened to me. Therefore, I use a trick. I put all my income and expense data in Excel Sheets!
I love money and I enjoy handling its flow even more! When the “money” comes in, I split it. First, I put aside that amount of money I want to keep. Then, I set aside a certain amount for settling fixed households and living cost bills. I apportion the rest in weeks and I continually spend it.
In fact, that is all.
How do I know how much money is left for splitting? Very easily.
In the chart, on the left side, I enter incomes and on the right side expenses (e.g. rent, mortgage, electricity, gas, phone, insurance, car, fuel, etc.).
Like as follows:
That is Zorka Zamecnikova who inspired me by this simple personal budget. Then, I got the first scheme from Peter. The one you can see in the chart is a ready-made one. Zorka gives it to all her clients as a gift in return to filling in a short questionnaire.
Download it, please, as well.
I wish you were successful in handling your money in Excel and in getting as such money as possible.
Expert in Excel.
🙂 My passion is handling my cash-flow. 🙂