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Simple Money Tracker in Word Download this money tracker in Word and use it to determine your spending habits. It can also be customized according to your needs. Regardless, I only recommend products or services I use personally and believe will add value to my readers. The excel personal expense tracker is printable and downloadable in multiple designs. This means if you click on the link and purchase the item, I will receive an affiliate commission. Home ĭisclosure: Some of the links in the post above are affiliate links.This list should give you a great starting point, and is exactly what I use on a regular basis. I think there is a time and place for super specific categories, but if you are just starting out, I would try not to make it too awfully complicated. Try to group each purchase based on similarities, and be as specific or as general as you’d like. Grab a scrap piece of paper, and write down every type of expense you can think of. Choose Your Spending Categoriesįirst, let’s begin with a super easy task – spending categories. The next few steps will show you exactly how to do this. And I mean every receipt, online purchase, and old school check you write – yes, everything! If you are serious about changing your financial habits, you need to commit to tracking absolutely everything from now on. A quick grocery store run here, a new pair of jeans there, and no sooner than you’ve made the choice to crack down on your spending, you’ve already overspent because you didn’t…you guessed it… keep track. One of the keys to gaining control of your finances and learning how to manage money better, is knowing exactly where you spend your money.īelieve it or not, it’s absolutely impossible to keep track of everything in your head. To read all posts in order, start with Why You Need a Budget, then continue reading the rest of the series on this page. This is the third post in the Creative Savings’ Beginners Guide to Budgeting Series. Home Budget - Our original selection of home budget worksheets.If you’re serious about changing your financial habits, you need to keep track of ALL your spending! The FREE printable expense tracker found in this post is an essential tool for accountability and change.Family Budget Planner A yearly budget planner, with the same categories as the household budget spreadsheet.Household Budget Spreadsheet (monthly) - More detailed and includes child expenses.Personal Budget Spreadsheet The 12-month version of the above spreadsheet.Money Manger - A more advanced budget management tool for Excel.After making a change, you should check the formulas to make sure they are still correct. If your Net is negative, that means you have overspent your monthly budget.Īdding or Removing categories: You need to be careful when adding or removing categories, to avoid messing up the formulas used for calculating the totals. The Monthly Budget Summary table in the upper right of the worksheet totals up all your income and expenses and calculates your Net as Income minus Expenses. So, if you spend more than you budgeted for, the value in the Difference column will be red - to help it stand out as a warning. The spreadsheet uses the accounting format where negative numbers are in parenthesis like (115.00), and conditional formatting is used to make the negative numbers red - red means bad in this case. The calculations in the "Difference" column are set up so that negative numbers are bad. Using the Personal Monthly Budget Template Using this printable template, you can learn to be more conscious about your budget. See our articles Make a Budget and 5 Basic Budgeting Tips if you are just getting started or new to budgeting. Description: Keep your daily money spending with this pretty simple personal daily expense tracker. At the end of the month, you record in the "Actual" column how much you really spent during the month.įor a more detailed set of budget categories, see the Household Budget worksheet.
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This represents your goal - you're trying to keep from spending more than this amount. You record your desired budget for each category in the "Budget" column.
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The purpose of this type of budget worksheet is to compare your monthly budget with your actual income and expenses. Some numbers are included in the Home Expenses category as an example, but you'll want to replace those numbers with your own. To use this template, just fill in numbers that are highlighted with a light-blue background (the Budget and Actual columns).