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ARTICLES |
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Banking
Articles on banking, managing
your checking accounts, and spending wisely
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Bankruptcy
Articles
on preventing bankruptcy, filing bankruptcy, and recovering from bankruptcy
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Budgeting
Articles on
creating a budget, tips on sticking with your budget, and successful
financial planning
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Credit Cards
Articles
on using Credit Cards wisely, understanding Interest Rates and Annual
Percentage Rates, and what to watch out for with Credit Cards
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Credit Repair
Articles on Credit Counseling, Debt Settlement, Debt Consolidation as well
as cleaning up your credit
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Credit
Report/Score
Articles on what your credit report is, how it effects you, and what you can
do to change and improve your credit score
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Debt Management
Articles on Debt
Management: How to analyze & manage your debts, and how to recognize if your
debts are getting out of control
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Insurance
Articles
explaining home, life, health, car, and even pet insurance and how you can
save money on each
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Investing
Articles on
buying and selling stocks and investment tips and advice
Articles explaining annuities and
how to use them as investments for retirement
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Money Saving
Tips
Articles on saving money, shopping frugally, and smart financial planning
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Mortgages
Articles
on the many different types of mortgages, what to look for in a home loan,
as well as many tips on saving money with your mortgage
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Our Maker's Money
Articles from a Biblical perspective of our
money, finances, and stewardship
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Retirement
Articles on saving and planning for
retirement
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Student Savings
Articles on how students can save money, pay for tuition, get student loans,
and more
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Taxes
Articles on paying taxes, saving money on your
taxes, tax reform, and more
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Using the Budget Planner
Monthly
Expense Tracking Tabs
The monthly tracking tabs are a very important part of everyone's budget. These
are used to determine, and work with, possible problem areas in your budget.
As you progress through the month and pay bills, dine out,
buy groceries, etc., record ALL of your expenditures for the month under the
appropriate date and category. If you have more than one expense for the same
category on the same day you can use an Excel formula such as "=6.65+34.15"
(without the quotes, of course) into the appropriate cell and Excel will
automatically display the sum.
To the far left of the spreadsheet is an End-Of-Month Total
column where you can see how much you have spent for each category for the
month. If you have spent more than your recommended amount for a given category
(as set up on the Budget tab) it will display in red
to alert you to a possible budget buster. If you do go over for a given category
you will need to spend less in another category to balance this out.
Also, along located in the lower right-hand corner of the
spreadsheet you can find your grand totals for the month.
Tip: Since it may be cumbersome to enter items into
your tracking sheet every day many people find it useful to carry a small
'spending list' in their purse or wallet to record items where receipts are not
possible to obtain, such as vending machines and small vendors. Simply make a
record of each expense on your list with the date, amount, and a short
description of the item purchased. At the end of the week simply transfer all of
your items from your list to your spreadsheet. This helps to ensure accurate
reporting and balanced budgeting!
Continue to
End-of-Year Totals
→
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All information contain within is
owned and Copyrighted by PlanaBudget.com ™.
All information is deemed to be accurate but is in no way guaranteed.
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