![]() ![]() It also allows you to change things as you go since life doesn’t always let you follow you budget exactly. It allows you to set a budget and monitor you performance in adhering to it. In the end, I found YNAB (You Need A Budget). Also, I couldn’t find a website that had decent budgeting capabilities. Like Stu, I also didn’t want to put all my financial info and bank details into some 3rd party website. I used to use spreadsheets like this and they are great for keeping track of where you spent your money, but knowing what happened in the past is really only of limited usefulness. So cut back, and use that found money - which is YOUR MONEY - and save it in an emergency fund, reduce debt, and increase your net worth. I have a hunch that after tracking your expenses, you’ll see the shopping patterns and spending places where you can cut back. I want you to Fall in love with your Personal Savings Rate and increase the percentage of your saved income by not consuming it. Final Steps: Improve your personal savings rate There are a dozen free downloads, worksheets, and spreadsheets throughout this series to help you get your money on track, so go check it out. I’ve written a whole series on budgeting called: How to Build a Budget. Tally your expenses during the month and add them to the Free Budget Spreadsheet under the right category. Step Three: Add spending totals to your budget Just be sure to track all your cash, credit card, and debit card purchases to see where you’re blowing your dough. It may seem like a lot of work at first, but over time you’ll find that a daily money tracking system is an easy habit to keep. Save your receipts and tally your spends every day. Be an Expense Tracker Step One: Download!ĭownload your preferred tracking method - the worksheet (PDF), spreadsheet (XLS), or both.įill in your spending categories across the top.ĭownload: Track Your Expenses Worksheet (PDF)ĭownload: Track Your Expenses Spreadsheet (XLS) It’s a bummer for this blogger ’cause I’d like to thank him for his idea. The only problem with Stu is every time I reply to his super nice email, my response bounces. The second is a full-on expense tracker spreadsheet that does the math for you. The first is a simple printable worksheet for carrying around in your purse or wallet. Since I like Stu, I went ahead and built him not one, BUT TWO expense tracker downloads. Stu just wants a simple spreadsheet to get his expenses tracked with little fuss and no muss. You see, Stu doesn’t want to link his bank accounts to third-party online budgeting systems or deal with complex budget software programs when it comes to counting cash. ![]() He sent me a super nice email asking for a simple solution to his expense tracking dilemma. Stu is a smart guy, he asked me for an “Expense Tracker”. ![]()
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