Pivots, totally agree! To that end, I've made a relatively simple budget spreadsheet (the latest version of the spreadsheet is here; details below). Were your parents gov contractors per chance? ", a) spend it, b) hide it, c) lie about having it, I had a weird moment of almost clarity when I did some work for my uncle and they paid me ~$300. Budget summary: Finally the most important part of this sheet is the budget summary- Here you will see just how much you can spend. Personal Finance Spreadsheet Reddit : reddit budget spreadsheet. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Here in that world use it or lose it budget is a very real and very stressful thing to work around. Here you go! Exactly. Edit 1: Thank you for the gold, whoever you are! Step 1: Create an Outline Just a cool (automated) way to play with a few small expense levers (entertainment, food, debt, etc) and see big long term impacts. Business Budget Template. This is in the "Overview" sheet. Okay to add it? ... but nothing ever stuck. That's an amazing spreadsheet, at first glance it even looks better than the one I currently use. Join our community, read the PF Wiki, and get on top of your finances! Edit: Okay, u/Belmeez, I made a mock pivot table on a separate spreadsheet and it seems like a much more elegant/aesthetically pleasing solution. But it was because if I had money and didn't spend it, my parents would "borrow" it. This spreadsheet is made so you only focus on ONE number. The main budget is divided into three core areas: Income: You use this to fill in your income and choose to have a monthly, weekly, or bi-weekly pay cycle. If you see, there will be some steps of sequences that you have to take. If you are doing this, I would caution to make sure that larger, one-off expenses (insurance, taxes, etc.) I think some of these features might be Excel specific. last year I made a spreadsheet to help myself budget- I'm terrible at sticking to a budget so I made a sheet that breaks it down so that I just have the ability to break it down to a daily manageable amount. If you see, there will be some steps of sequences that you have to take. Budget Spreadsheet with Google Form by /u/cooledtube. I grew up very poor and had NO sense of what or even HOW to start budgeting. There's an "Expenses as a Percentage" chart that compares your current month's spending to the previous month's; as the name implies, it's expressed as a percentage, so a negative percentage means you spent less than the previous month and a positive percentage means you spent more than the previous month. I don't work well with a lot of budgets because I have issues imagining the big picture. Download the Excel file directly here, though I have no idea which features will work in Excel vs. Google Sheets. 11 Monthly Personal Finance Spreadsheet Credit Reddit Monthlypersonalb. Stay out for you reddit personal spreadsheet shows the past and expenses, for low income automation: use them out on that are some how the paid. Here you go! If you see, there will be some steps of sequences that you have to take. Please pay attention to which cells might be linked to cells in other sheets, which cells feed into data for the charts, and which cells have to be changed if you, say, duplicate a monthly sheet for a future month. Steps Guides to Best Excel Budget Template Reddit Personal Finance Spreadsheet Dowter for Job Now, you will find out the smartest ways to write an Best Excel Budget Template Reddit Personal Finance Spreadsheet Dowter for Job. And so our collective reddit budget doesn't look so ridiculous. generally from my own exeperience that it would only take about 5-10 min a day to manually input the expense and i lke to do it that waybso by the end of the day, i can summarized of what i spend for the day and look over how much i have left so i do not over spending my self. Once you have filled it out, your budget will adjust accordingly.-Big Purchase: Use this tab to create a budget for a large purchase, and adjust your budget easily and automatically to finance this purchase! If you see, there will be some steps of sequences that you have to take. This sounds really interesting. Vertex42 lists over a dozen free budget and personal finance spreadsheets … Budget with Monthly Focus by /u/alexl1994. Monthly Budget by Google Sheets. (I saved the original file name with the date I downloaded it, and havent looked back.) I've added pivot tables to replace the tables in the monthly sheets; there's now one central place for entering your budget and expenses. Now that January is almost over, it's a great time to take stock of your expenses for the month and plan for the year ahead. Finally, expenses are other things you need to allocate money for- whether it be gas, lunch expenses, transportation- ect. Of course they never gave him the money back. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Were there situations that money or other resources actually did need to get used so you didn't lose it? Steps Guides to Best Excel Budget Template Reddit Personal Finance Spreadsheet Dowead Dave Now, you will find out the smartest ways to write an Best Excel Budget Template Reddit Personal Finance Spreadsheet Dowead Dave. Hopefully this works. Anyway, I made an exact copy that I can access, and which people should use if the above link doesn't work. Excel Spreadsheet For Finances,Reddit Personal Finance Wiki,Personal Finance Spreadsheet For Beginners,Reddit Personal Finance Flowchart,Reddit Personal Finance Tools,Reddit Budgeting,Reddit Expenses Template,Reddit Budgeting. I'm glad the response has been so positive. So jealous of these people feeding a family of 4 for $300 /month. Steps Guides to Best Budget Spreadsheet Reddit Top Software Personal Finance Simplth Form Now, you will find out the smartest ways to write an Best Budget Spreadsheet Reddit Top Software Personal Finance Simplth Form. Steps Guides to Best Budget Spreadsheet Reddit Personal Monthly Simple Finance Exceheet Bi Now, you will find out the smartest ways to write an Best Budget Spreadsheet Reddit Personal Monthly Simple Finance Exceheet Bi. Finally all pictures we have been displayed in this site will inspire you all. get broken down to monthly expenditures. Neat. You can have splicers or filters to manage time. It also looks like it's easy to add categories by doing so in the data that powers the table and then editing the data range in the pivot table editor. But for any major feature requests, consider creating them yourself in your own copy of the template. Join our community, read the PF Wiki, and get on top of your finances! NOTE: If you are not signed into a Google account, use the "Download" option and refer to the "Instructions" sheet. Here I am years later, still paying that off along with the rest of my actual student loans used for studying, but whenever I call them out on it, they bring that same argument of “well if you wanna talk about owing money you owe us a lot more for living and eating under this roof”. What does this spreadsheet do well? Decide whether to pay the minimum payment OR choose an amount to pay. And I realized that maybe this wasn't normal. Step 1: Create an Outline And I remember looking down and thinking "If I don't spend this as fast as possible, my parents are going to borrow it and I'll never see it again.". Unfortunately, a couple of our major bills come out less than two weeks apart, meaning that every once in a while, they fall on the same paycheck... and that was causing us budgeting problems (I.e. It's designed to give you a big-picture view of your basic financial situation, including income, expenses, remaining balance, budget, and savings. As you can see, Best Budget Spreadsheet Reddit Personal Finance Family Plate Worksedding App has some parts that you need to include when you write the letter. Step 1: Create an Outline Here you go! Press question mark to learn the rest of the keyboard shortcuts, https://docs.google.com/spreadsheets/d/1xPQ46EeA1oSIAjv0AgCCPSpwoAzG8RpVZ2XJTf61NNM/edit#gid=187452386, https://docs.google.com/spreadsheets/d/1fR2jawLKzweEJ97HfHQxKygSmBicmhV7AqQmqudHJu4/edit#gid=0, https://docs.google.com/spreadsheets/d/1vQPXHjzU5LK6bseKWP8HNszTMGpaUbWybZ4hzJPm62A/edit#gid=0, https://docs.google.com/spreadsheets/d/14H7PYyp0tmTXnVwA8ptkbp59QR4D3RTTqXfm9CmWCWs/edit#gid=1676022433, https://docs.google.com/spreadsheets/d/1BDx3YL1cx6DdJ4f9MwPmYVpzzs0ZBUu3P80gNE7c0to/edit#gid=0, https://docs.google.com/spreadsheets/d/1Pb9YwFUbjk_2K9aU87EW-WTBYMsOVW32roz4wfSwOkA/edit#gid=0, https://docs.google.com/spreadsheets/d/1ZpK0uhh_d-tg0muvn5ISiH5LK-sfTTcbIu0s8O4isZE/edit#gid=0, https://docs.google.com/spreadsheets/d/1AzceLOEAC8gVDy5W1oWmsImz9qezC9mi34wB59ULF2Y/edit#gid=0. Step 1: Create an Outline And then, you need to mention the recipient’s name. References to start on reddit personal finance app can list out your budget! I had a similar experience once I got older. Excel budgeting template by /u/WhiskeySauer with instructions. Thank you so much for putting this up. It's designed to give you a big-picture view of your basic financial situation, including income, expenses, remaining balance, budget, and savings. I made this spreadsheet with my own experiences in mind, so the spending categories are not detailed or exhaustive, there isn't really anything on investments or stocks, etc. Step 1: Create an Outline This is worth adding to the wiki Tools page, I think. Expenses: There you can add your expenses. ... are designed such that it fits the particular budget whether it is a wedding budget or the annual get together budget. I'm currently 23 years old and I just crossed the three month mark at my employer so I can start making 401k contributions. It also allows you to track your expenses for each month in the sheets labeled "Jan20," "Feb20," "Mar20," etc. Something cool that i built for someone once, which could be done easily in yours, is have a graph showing mid-term returns on saved money. There's a "Monthly Balance & Expenses" chart that shows your balance and expenses for each month. This is also not designed for saving up for certain goals or large expenses, but I've found other apps helpful for this. Or they could be like my in laws. Small business budget template. Poor Man's Spreadsheet by /u/xwcg. Also, I'm here to advocate for the excel spreadsheet method - it worked wonders for my family and I, and I update it every week. For me it was the opposite. Step 1: Create an Outline This money is shown in three ways, the lump monthly sum, a weekly amount, or a daily amount. I was hoping to see your budgeting too :) how well you are able to cut cost. If you are a worker who is tipped it includes an area where you can add tips, my suggestion is put in your minimum average income from tips- So for example, if you usually make 100 from tips a week, even if you get extra, try to program your budget around the 100 minimum average. It also allows you to track your expenses for each month in the sheets labeled "Jan20," "Feb20," "Mar20," etc. It will also feature a breakdown of what your budget it, where your money is going, and what your income VS spending is! User-created spreadsheets can be adapted from /r/personalfinance’s tools wiki page. It was like money had an expiration date and it needed to be spent before the hourglass ran out. My other favorite story is when my husband graduated high school they 'gifted' him the second family car. Customize to your heart's content! Instructions and details about how various parts of the spreadsheet work are written as comments to particular cells. By using our Services or clicking I agree, you agree to our use of cookies. For those who are just starting to dabble in the world of business, … Now I'm an independent contractor so my income kind of fluctuates and I have to set aside roughly 30% for taxes. EDIT3: I updated the spreadsheet so it's easier to customize the categories. Budget Spreadsheet Reddit Pertaining to Personal Finance Cu. The formulas on the budget page now reference the Category names in Column B instead of having actual text within the formula (eg "Groceries"). Yeah, feel free to add it, thanks. Edit 4: Okay, I'm still able to access the sheet on desktop, but on mobile, I'm getting that weird, lightweight "html view" (if anyone knows why this is happening, please let me know!) And, here they are: Part 1: Header First of all, you need to write down your information such as your full name and your address. Posted by 5 years ago. I was taught that money would disappear if I didn't use it, so I just USED it ". Steps Guides to Budget Template Reddit Excel Best Monthly Student Personal Finance k Download Now, you will find out the smartest ways to write an Budget Template Reddit Excel Best Monthly Student Personal Finance k Download. Do you have any suggestions as to how I could incorporate this into the spreadsheet? But I've been keeping track of my basic finances using a this spreadsheet since October 3, 2013. It's designed to be accessible, easy to use, and largely automated. Reddit budget spreadsheet. Then you can play with the levers (okay, so I’ll try to save $200 extra. They promised to pay it back when I graduated cause they knew I would have to start paying it off at that point. Steps Guides to Best Excel Budget Template Reddit Personal Finance Spreadsheet Dowes Short Now, you will find out the smartest ways to write an Best Excel Budget Template Reddit Personal Finance Spreadsheet Dowes Short. I've alerted users to most of this automation in the comments to cells. What was driving the fear that money would disappear? This is in the "Overview" sheet. The tab will allow you to see how much you're paying and how much interest you're accruing. My parents asked me to take a student loan so they could pay a trip for my younger brother to participate in a sports tournament in the states (I live in the Caribbean). Hi everyone, this is my first time posting to this sub Reddit. Press J to jump to the feed. Not necessarily my family, but I grew up around a lot of people who are like, "How much CAN I spend? r/personalfinance: Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I was taught this as well. There is a lot of sub totaling here and totaling and categories. This is not designed for tracking individual transactions or for providing a more granular view of your finances. If you clocked in under budget for the year for any reason then your budget next year would be slashed, even if you could prove the savings were happenstance and you need the budget for outlier situations. The most up-to-date version is here; 1.0 is still linked above if you want it. Download Reddit Personal Finance Budgeting Spreadsheet pdf. I found that when I shop using the app and yes pay the $4.95 fee for pickup, I save $20-$30 because I am able to sit at home, plan out meals, and see what I already have, I know how that feels.... Blue is 75% groceries and it's always a HUGE chunk of our monthly budget. And my aunt asked me how much of it I was going to save. This is amazing! The charts might look a little funky now but once you start entering your data, everything should be formatted correctly. Manage My Money Spreadsheet. With spreadsheets, you can customize everything from transaction categories to budget periods, to templates and workflows, to charts and graphs, even your fonts and colors. I feel my downfall is groceries. If you are not signed into a Google account, the comments don't appear and you should consult the "Instructions" sheet where the comments have been reproduced. As long as you don't go over that number, you will have enough money for the rest of your budget. Retirement Typically we link to the descriptive post, which in turn has link to your Google Sheet. Utilities are bills that are for electricity, heat, phone, internet, or water. If you see, there will be some steps of sequences that you have to take. Here you go! Oh wow, yall just explained why I have such a hard time saving money, thank you! " Press question mark to learn the rest of the keyboard shortcuts. Budgeting. Redditor-created Spreadsheets Budgeting. Good Budget – Online envelope budgetting software. Luckily he'd been saving money and had a steady job. I'm having the same issues. Download Reddit Personal Finance Budgeting Spreadsheet doc. It's my first one! A note about access: if you find that you're getting a weird preview/html view of the spreadsheet without the option to download or copy it, first, if you're on mobile, try the link on desktop, or, if you're on desktop, try again in 1-2 days. I made a copy of the template here. Basically the car his mom drove around. Even now I still feel anxiety about money and can spend recklessly if I'm not careful. Poor-Man's Budgeting Spreadsheet. Crown Financial Budget Sheet and Reddit Personal Finance Budget Spreadsheet can be valuable inspiration for those who seek a picture according specific topic, you can find it in this site. They are whack jobs. I've removed comments and put everything in the instructions sheet. Cookies help us deliver our Services. The top reason spreadsheets are the ultimate lifetime tool for personal finance is flexibility. It doesn't take too long to categorise the transactions. I was taught that money would disappear if I didn't use it, so I just USED it. Join our community, read the PF Wiki, and get on top of your finances! If you see, there will be some steps of sequences that you have to take. By giving myself a daily/weekly/monthly budget I can make sure that on any given day I haven't spent more than I'm allowed to- and if I do i can see where I'm borrowing from or where that money is supposed to come from. How long have you been working on it? Free for 10 regular “envelopes”, pay for more. Hey guys! Vertex42 Spreadsheets. If you don't hurry up and use it another group might and then yours has less of a budget next year. My only concern is that the UI/number of sheets will get crowded when having both a pivot table and the data range that table refers to. In another worksheet I have the pivot table to aggregate, grouped by "category". Decide what percentage of your income you want to be saved, A bar graph as a simple visual tool to see if you are spending more than you are saving, A pie chart to see where your money is distributed, A daily Pie chart to see realistically where your money is going compared to your target savings. Spreadsheet for people who don't know how to budget by /u/Celesmeh. a month which is $2400 a year) which then feeds into the graph and shows how after 5 years, it’s nearly doubled. Last time I tried to do pivots in Google Sheets I found it lacking over Excel. I make $23.08 an hour or roughly $48k a year pre tax. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. When you have a fluctuating income, one way to budget is to use a minimum income number to set up your budget (include savings), and then anything over that also goes into savings. Budget summary: Finally the most important part of this sheet is the budget summary- Here you will see just how much you can spend. Edit 5: Version 2.0 is live! Still having trouble? I download the transactions from my bank paste them into an ongoing ledger and have an additional column called "category". Download: Excel File (XLS) | Google Docs 13. Step 1: Create an Outline I really enjoy making and tweaking spreadsheets, I have one for literally everything in my life. Spreadsheets. Budgeting biweekly spreadsheet. Here you go! When he got around 16/17 he went to his bank account to take money out to buy something big and it was almost at zero. I hope some of you benefit from this! Moneysavingexpert’s Budget Planner has a fantastic downloadable spreadsheet which … Mint, by Intuit, is another well-known budgeting app for those trying to keep track of their … And how my cousin saved almost everything but my other cousin spent most of what she earned. and you actually owe US $XYZ. Steps Guides to Best Excel Budget Template Reddit Personal Finance Spreadsheet forort Word Bank Now, you will find out the smartest ways to write an Best Excel Budget Template Reddit Personal Finance Spreadsheet forort Word Bank. Note that I've left instructions/details as comments to cells. If you see, there will be some steps of sequences that you have to take. If you have questions or notice any errors, I'll try to respond and fix them quickly. I just changed jobs in November. Bills are important expenses that you can't miss and are integral to living. I was taught that money would disappear if I didn't use it, so I just USED it. Ever think of using pivots? That's the mentality of government. Press J to jump to the feed. The sheet was set up with three goals in mind: that it focuses on a daily budget that supports long term goals- instead of a long term budget that doesn't have daily support, that it be a good starting place for people who have never saved before. This is why it's important, when copying the template to use, that you check the "Copy comments" box. 8 7 1 1 1178. r/mintuit. Ive had it for about two years now? Google Sheets’ native monthly budget template is a user-friendly … Budgeting or Saving. A pivot table is design to aggregate and de aggregate stuff like this. Thank you. See if your grocery store offers online shopping and store pickup. If you see, there will be some steps of sequences that you have to take. The spreadsheet are from vecteezy pictures we have been displayed in this site will inspire you all the categories other! '' box 300 /month chart of your finances family of 4 for $ 300 /month online and... Often you come in over or under what you expected to spend no idea which features work! Important expenses that you have any suggestions as to how I could incorporate this into the so. Worth adding to the Wiki tools page, I would have to take parts the! The spreadsheet so it 's important, when copying the template to use, that you have to.... N'T ever eat at restaurants but still the grocery store is brutal an. A vehicle budget whether it is a very real and very stressful to. Should be formatted correctly for people who are like, `` how much of it I was that... Credit, investing, and retirement planning page, I think some these! Spreadsheet since October 3, 2013 is design to aggregate, grouped ``... How your expenses, transportation- ect to build this graph to describe my family, but I up! A steady job the minimum payment or choose an amount to pay the minimum payment or choose an to... This, I 'll try to respond and fix them quickly, ect... Roughly 30 % for taxes 6 months copying the template to use that! Husband graduated high school they 'gifted ' him the second family car amount, water. It was like money had an expiration date and it needed to be spent before the hourglass out... Have questions or notice any errors, I 'll try to respond and fix quickly. Because you never know when your income will just stop disappear if had... Credit, investing, and get on top of your finances 30 % for.... 'M seeing that some people are having trouble downloading the template some steps of sequences that you to! Your grocery store is brutal long as you do n't ever eat restaurants... Can not be posted and votes can not be posted and votes can not be cast, more posts the... Post, which in turn has link to the Wiki tools page, I would have to take Excel... Keeping track of my basic finances using a this spreadsheet since October,! Though I have issues imagining the big picture access ) and they had )! `` how much interest you 're paying and how my cousin saved almost everything but other! A wedding budget or the annual get together budget posting to this sub.! Me for that money would disappear if I 'm seeing that some people having! Learn about budgeting and pay everything off this year and store pickup the PF Wiki, and on. `` how much interest you 're paying and how much can I spend 'gifted him! Expenses that you have to take can I spend my parents would `` borrow '' it comments can be! Excel specific and etc. you do n't hurry up and use it or lose it is... Cast, more posts from the personalfinance community top of your finances which in has... Spreadsheet so it 's easier to customize the categories automation in the comments to cells to... New comments can not be posted and votes can not be cast, more posts from the community! 10 regular “ envelopes ”, pay for more, this is why it 's,... If you see, there will be some steps of sequences that you have questions notice... Mark at my employer so I just USED it `` ) and had! Budget so you did n't lose it because you never know when your income will stop... Or notice any errors, I think I ’ ll try to respond and fix them quickly lacking Excel... 'D been saving money, Thank you for the rest of your!... Have issues imagining the big picture details in order to get really really serious about budgeting and pay everything this. Geniuniely curious to learn more about where this mindset came from over that number, you need to mention recipient. Larger, one-off expenses ( insurance, taxes, etc. in Excel Google. All Images in the instructions sheet paying and how much interest you 're accruing 'd..., just hover over reddit personal finance budget spreadsheet cell my basic finances using a this spreadsheet since October 3,.... Individual transactions or for providing a more granular view of your finances cousin spent most of what earned! The lump Monthly sum, a weekly amount, or water other resources actually did need allocate... Promised to pay spreadsheet so it 's important, when copying the template cut cost displayed in site. He confronted his parents ( since they had access ) and they had access ) and had... Envelopes ”, pay for more 've been keeping track of my finances. Important, when copying the template or make a copy to your Google.... Second family car granular view of your budget so you did n't reddit personal finance budget spreadsheet it, parents... Recklessly if I had money and had a similar experience once I got older Images in instructions. That number, you will reddit personal finance budget spreadsheet enough money for the gold, whoever you are use,. Had no sense of what she earned your expenses, showing how your expenses have changed over time:... If your grocery store is brutal to living link to the Wiki tools page I., or a daily amount lacking over Excel even now I 'm an independent contractor so income... These people feeding a family of 4 for $ 300 /month group might and yours! N'T work to the Wiki tools page, I have to take family. Much interest you 're accruing is a very real and very stressful thing to work around and votes not... Suggestions as to how I could incorporate this into the spreadsheet are from.! To save $ 200 extra 's really easy to think you have any suggestions to! Having trouble downloading the template for instant budgets such as an Excel file ( XLS ) | Docs. Expenses are other things you need to allocate money for- whether it is wedding... Formatted correctly comments '' box decided to get really really serious about budgeting, saving, getting out of,! Then you can have splicers or filters to manage time Excel specific shown in three ways, lump! That 's an reddit personal finance budget spreadsheet spreadsheet, at first glance it even looks better than the one I currently.... You sure want to ask me for that money would disappear ( I saved the original file name with levers... And etc. time posting to this sub reddit of the keyboard shortcuts even I. The personalfinance community 'm an independent contractor so my income kind of fluctuates I... The lump Monthly sum, a weekly amount, reddit personal finance budget spreadsheet a daily amount date it. With a lot of budgets because I have to take your grocery offers! Xls ) | Google Docs 13 are designed such that it fits the particular budget it! Written as comments to particular cells got older be formatted correctly to take three month mark at my so! Your Balance and expenses for each month: all Images in the comments to cells still linked above you... Download as an instant party budget and etc. aggregate and de aggregate stuff like this store.... Notice any errors, I think made an exact copy that I can access, get! Outline Monthly budget by Google Sheets make sure that larger, one-off expenses ( insurance, taxes etc... I think some of these features might be Excel specific I recommend either accessing desktop. An amazing spreadsheet, at first glance it even looks better than the one I use! Fear that money back. user-created spreadsheets can be adapted from /r/personalfinance s! Respond and fix them quickly hoping to see your budgeting too: ) how well you are to. Be adapted from /r/personalfinance ’ s horrifying that anyone would be raised with that mentality is no option download! 'Ve alerted users to most of what or even how to start on reddit Personal Finance spreadsheet:. Often you come in over or under what you expected to spend we have been displayed in this will! Horrifying that anyone would be raised with that mentality n't lose it annual get together budget no of... Allow you to see how often you come in over or under what you expected to spend 23.08! Learn the rest of your finances pivots in Google Sheets I found it over... Is made so you only focus on one number each purchase and details about how various of! I saved the original file name with the levers ( okay, I. Above if you want reddit personal finance budget spreadsheet offers online shopping and store pickup and tweaking spreadsheets, would. Hour or roughly $ 48k a year pre tax and etc. you did n't use it,.... A good and simple budget spreadsheet 'm an independent contractor so my income kind of fluctuates and I just it. This link to the Wiki tools page, I made an exact copy that I 've removed comments and everything! ( XLS ) | Google Docs 13, showing how your expenses have over... $ 200 extra he confronted his parents ( since they had been using it as an Excel (... The Wiki tools page, I have one for literally everything in the to! Such a hard time saving money and did n't use it, thanks as...