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This worksheet is for people who don't like the word budget but still want to get a grip on their finances. Basic personal finance is mostly about managing cash flow which means tracking and planning how money is entering and leaving your real and virtual pockets. This worksheet can be used for tracking your spending as well as creating a budget.
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⤓ Printable PDFLicense: Private Use (not for distribution or resale)
This printable PDF is a two-page worksheet that you can complete by hand. It is free to print and can be useful as a class handout. To download a version that you can edit and customize, download the spreadsheet below.
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⤓ Excel⤓ Google SheetsTemplate Details
License: Private Use(not for distribution or resale)
'No installation, no macros - just a simple spreadsheet' - by Jon Wittwer
Description
This worksheet was created to be used as an educational resource for personal finance classes. It includes a fairly comprehensive set of expense categories and was designed to be easy to understand and simple to customize. It's mainly for people who don't already use Quicken (you can generate a report like this from Quicken very easily via the Reports menu).
Although there are some really cool things that can be done with Excel to make this worksheet more useful, I have intentionally kept this template simple. Quicken was my personal tool of choice when it comes to personal money management (before they switched to a subscription fee). If you want to use a free spreadsheet with the ability to enter transactions in account registers like you do in Quicken, you can try the Money Management Template.
Keep in mind that spreadsheets allow you to make more mistakes than software like Quicken, because spreadsheets use formulas and calculations that you may mess up by accident.
A Couple Tips for Entering Amounts
Fixed Expenses: To enter expenses that are the same from month to month, you can enter the value, then select the cell and use the drag handle (the lower right of the selection box) to copy the value across to the other months.
Add Values within a Cell: To do some quick math such as adding two values inside a cell, press = to start a formula, then enter a formula like =34+170 and press Enter.
Customizing Categories
You can edit the labels for the various categories in column B as needed. You may want to add more specific categories or delete some you don't need. Do this by inserting or deleting entire rows. When inserting rows, make sure to copy the formulas in the Total and Average columns.
The formulas used for the column totals are set up to make it easy to add and delete rows without messing up the template, as long as you insert new rows within the range of rows referenced by the totals. You should still verify the formulas used for the Totals if you insert rows.
Average Monthly Expenses
The Average column divides the Total by the number of columns to give a monthly average. This can be particularly helpful if you have an annual, quarterly, or other periodic expense and want to figure out what monthly amount to set aside for that upcoming expense.
Creating a Monthly Budget that is the same each month requires that you use averages for variable expenses (fuel, food, etc.) and periodic expenses (insurance, tuition, subscriptions, etc.). A yearly cash flow analysis like this one can help you figure out what those averages are.
TIP: One of the benefits of using a spreadsheet for a report like this is that you can add comments to a cell to provide more information about a particular expense (Right-click > Insert Comment). For example, you might add a note to explain why you spent $200 on subscriptions in November. That may help you later if you are looking for ways to cut back your expenses.
Biweekly and Weekly Instead of Monthly
A cash flow analysis or budget can be defined over any period that you want. The dates at the top of this worksheet don't affect any of the other numbers in the worksheet, so you could change these dates to whatever you want them to be.
HINT: If you unhide the columns to the right of the worksheet, you'll find a cell that lets you change the date period to biweekly or weekly. If you change to biweekly periods, the Average will represent a biweekly average.
Removing and Adding Columns
If you wanted a 6-month cash flow, simply delete the last 6 columns before the Total column. Adding columns is also possible, but it will require more experience working with Excel.
If you wanted to add columns for weekly or biweekly cash flow reports, you could copy and insert copied columns, but you'd need to insert them BEFORE the current 12th column so that the Total and Average formulas remain correct (If you insert them immediately before the Total column, the Total and Average won't include your inserted columns). You'd also need to fix the formulas in the summary rows at the top of the worksheet (copy the formulas used for the 2nd column to the right).
Beginning/Ending Balance
The purpose of the beginning/ending cash balance section at the top of this spreadsheet is to show how much cushion you have in your spending account.
For the Beginning Balance, enter the sum of the amounts in your spending accounts on the chosen start date. A checking account, your wallet, and/or savings account might be considered a 'spending account' if money leaves your possession from that account (like paying bills from a savings account or paying a cab driver with money from your purse).
What is NOT a spending account? Your Retirement Fund, Emergency Fund, College Fund, etc. Do NOT include the balance in any of the categories listed under 'Allocations' in the Outflows section. Why? Because we are treating transfers to these types of savings as Outflows from cash accounts. If you included your Retirement Fund in the cash balance, then it wouldn't make sense to include 'Retirement Fund' as an Outflow. Note again that this is meant to show how much cushion your spending account has.
Is a credit card account a spending account? If you are paying the balance off each month, then yes. You would monitor your credit card statement and allocate each transaction to specific expense categories. The transfer of money from your checking account to your credit card account would NOT show up in the cash flow statement in this case.
On the other hand, minimum payments on credit card balance(s) are included as 'Credit Card Payments' in the Debt section of the outflows.
TIP: It is MUCH easier to keep savings separate from spending if you are using separate bank accounts for each.
Related Content
In the present day and age, it has actually become possible to maintain your personal finance online. You can now pay your bills online, carry out net banking, manage your bank accounts and track your budgets and investments. But when it comes to personal finance, it is always important to use trusted websites.
Related:
If you’re wondering about the most reliable websites, then the article below can help you out with the various kinds of software and their features.
Simple Money Keeper
Simple Money Keeper is one of the top rated software applications when it comes to matters of finance. This is reliable and also easy to use. Both these factors are a must in any personal finance software. You can balance your check book, keep a track of your credit cards, keep track of loans, manage your recurring deposits and also your bills.
Clear Check Book
This is one of the most trusted check book software in the finance world. It offers a large number of services to the user. Any kind of financial task- starting from payment of bills to even tracking your investments, Clear Check Book does it all. Plus, unlike most financial software applications, this one is really easy to use.
Simply Checking
If you’re looking for free check book software, then you cannot afford to miss out on Simply Checking. It allows you to keep an eye on your budget and your expenditures so that you do not exceed your limits. Plus, you will be able to carry out other kinds of financial tasks as well which can be of great help to you.
Quicken
For simple and easy money transfer systems, you must take a look at Quicken. The interface is so simple and easy to understand that even a child can operate it! You can carry out different kinds of financial tasks on this software without having to worry about safety or security since all transactions take place through a secure channel.
Buxfer
If you’re talking of reliable check book software, one really cannot forget Buxfer. All you have to do is download the software and create an account. There are powerful features which make it one of the most popular software applications in the market. It also guarantees bank level security which is a must for all personal finance software.
Check Book Software for Various Platforms
At present, there are three platforms that are used across the world. These include Windows, Android and Mac. For all three platforms, there are separate software which are perfectly compatible. While most personal finance software are likely to function across all platforms, there are some software which are unique to Windows, Mac and so on.
Free Check Book Software for Mac – Splasm Check Book
Now you do not actually have to write down checks when it comes to finance, you can just do it online. It is easier, safer and much more convenient. For example, this software allows you to write your checks online so that you can avoid mistakes. Also, you will be shown a record of your past investments and your status at present.
Mac has some of the best options when it comes to check book software. For example, most Mac users use Splasm Checkbook to carry out their financial tasks. With this software you can manage all your finances precisely and also sync and share your data with other. You can also handle your accounts across numerous currencies.
Free Check Book Software for Windows – Moneydance
MoneyDance is a personal finance software which can come to your rescue if you’re really bad with investments and budgets. Although this particular check book software is for Windows, there are special versions available for other platforms too. The best part about this software is that it handles a number of currencies and all kinds of financial tasks.
There are plenty of check book software for Windows. For example, Money Dance was predominantly created for Windows users. Although the software has other versions which can be used by other platforms, it is mainly a Windows software. It allows you to proceed with your transactions in neat and organized fashion.
Free Check Book Software for Android – Checkbook
Managing your personal finance would become a piece of cake if you are an Android user. Especially when you have options like Checkbook.You can track your credit card activity, keep an eye on your budget, manage your recurring deposits, manage your loan payments, balance your check book, calculate your daily expenses and manage your bills.
Most Popular Check Book Software in 2016 – MoneyLine Personal Finance Software
MoneyLine Personal Finance Software is one of the most trusted companies when it comes to any kind of software. Their personal check book software is highly in demand as well. With the help of this software, you can keep a track of your expenditures, monitor your bank balance, categorize all purchase transactions and you also get simple budget tools. It really is one of the best check book software !
It is always better to judge and be absolutely sure before you download a check book software. In case you’re looking for the best check book software, you must download NCH money line personal finance software . Here you can check your account balance, categorize your transactions, add or remove accounts, track all investments which include stocks and mutual funds, track transfers taking place between accounts and so on.
What is Check Book Software?
Managing personal finances can be a hassle, especially for those who lead really busy lives. For them, such check book software is a must. These software applications could be like your very own personal finance advisor. You would be able to carry out any kind of financial activities through such software.
If you have to transfer money to another account, if you need to balance your check book, if you need to check your loan payments or make payments, if you want to keep an eye on your stock market investments, such check book software makes it exceptionally easy for you. All you have to do is download a reliable check book software and enter your account details into it. Yes, it really is as simple as that.
How to Install Check Book Software?
Before you install check book software, you need to be absolutely sure of the safety factor. Remember, all these sites will have your bank account details. That is why you need to download reliable check book software and only from trusted official websites. All the software applications mentioned above are reliable ones.
Benefits of check book software 2do app help.
There are countless benefits of check book software. For one, you wouldn’t have to worry about your finances anymore. The software will be taking care of it. Any loan payment that needs to be done, or if you need to write a check, you can rely on the software to do it for you.
Moreover, it always helps to have expert guidance when it comes to finances. The software you download would be keeping an eye on your expenditures, even the day to day ones, to make sure you do not exceed your limits. Based on that, you could curb your expenditures. Also, you would be able to keep an eye on your investments and your stock market trades and mutual funds.
Personal finance and its management becomes really easy with check book software. It is of the utmost importance to download reliable software. If you download any of the aforementioned software, you can update your bank details, keep track of your budgets, deal with a number of currencies and so on. There’s no end to how much you may achieve with the help of check book software.