Be sure to take note of the exact thing that you spent on and not just a generic term such as food or sample transportation. ![]() At the end of the day, tally up all of your expenses through your computer, phone, or even on paper. Whenever you start spending, it is best that you keep the sample receipts or at least take note of the amount you spend.Once you have the total amount of each item, then you may replace the estimated number with the actual number. ![]() After you have made a row for this particular category, place an estimate of how much you spend on each item. How much do you pay your monthly rent? How much do you usually spend on groceries? Think of the expenses that you need to make and not the ones that you can forego every now and then. You have to know what you spend on and how much you are spending on that particular item. You may want to apply for this option if you think that paying a certain amount regularly is a must for you. There are some utility companies that allow you to pay average amounts all year, instead of having your bills either go up or down at the end of every month.Try to round the number up to the nearest 10 so you can gather an estimate of how much you spend on every item.Place an estimate of the bills that re-occur and, once you get the actual amount, that is when you have to put the number in the blank spreadsheet. There are some bills whose amount remains the same at the end of every month while there are others whose figures may vary.Put in estimates as placeholders until you get the number of the final bill. Installation payments such as those for credit cards or for your car can also be placed in here. These would be things such as rent or mortgage that you have to pay for every month or the monthly bills for utilities such as water and electricity. Place your biggest regular expenses in the spreadsheet You may also see homemade coupon template.Ĥ. This will also depend on the number of expenses that are in every category at the end of each month. If you are going to make use of a paper ledger, then it is best that you create a separate page for each category. Utilizing a budgeting software to help you out with this gives you the added benefit of being able to easily categorize the type of spending as well as calculate the total of each category. Utilities such as gas, electricity, and water.Common categories that you will see in a lot of household budget samples are the following: Plus, this is also very helpful for when you have to put in your expenses from an organization standpoint. You have to categorize all of your expenses so that it will be much easier for you to determine where your money is going. There are a lot of budgeting software which already have apps so that it will be much more convenient for you whenever you have to update your sample spreadsheet. You have to remain disciplined and constantly update both your income and expense records either daily or weekly.For example, if you pay your electric bills with a credit card every single month, then put down “ credit card” as the payment method in the column. The payment method column will help you to keep track of all the records that contain your expenses. ![]() Use titles for columns such as “date of expense”, “ amount of expense“, “payment method”, and “fixed/discretionary”.
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