![]() ![]() You are NOT entitled to distribute, reproduce or transmit these files electronically, in print, or any other medium without prior written consent or a commercial license from Meredith Rines, shop owner. If you have questions about compatibility, please contact me PRIOR to purchase.īy downloading these files you are entitled to keep them for personal use as long as you wish. Once payment is confirmed, you will be able to download the file immediately.ĭue to the nature of this business, I cannot accept exchanges or returns, and do NOT issue refunds. This listing is for non-personalized digital download of an Excel spreadsheet to save directly onto your computer. The simplicity of this spreadsheet make it a dream to work with. The Excel spreadsheet will automatically add your entire monthly expenses so you can see where you stand at the end of the month. Money Dials could include things like fitness, convenience, luxury items, travel, self-improvement , and social status.With the downloadable Excel Expense Tracker you’ll be able to keep track of your monthly expenses on one spreadsheet. ![]() By honing in on your Money Dials-the things you really love to spend on-you can prioritize your spending in a way that makes sense for you. Following this logic, you categorize your expenses into essential fixed costs, important investments, savings goals, and-last but not least-guilt-free spending.īy allocating space in your budget for the fun stuff (minus the guilt), you’re more likely to stick to that budget in the first place. Instead, consider trying a conscious spending plan. The truth is that living a life of constantly telling yourself “no” isn’t sustainable (or enjoyable). That way we can keep our income streams organized in the Excel expense tracker. Many people assume that effective money management means scrounging, saving, and never enjoying life. On the Monthly Income tab, I like to add in additional rows of income streams by clicking on a row label and then using the keyboard shortcut Ctrl + Shift + Plus (on a PC) or Option + Shift + Return (on a Mac). You might also have smaller, more short-term goals, like saving for your dream wedding or buying a luxury car. Smart money management can help you achieve those objectives. ![]() You likely have some financial goals in your life, whether it’s improving your net worth, paying off your college student loans, or achieving FIRE (financial independence, retire early). But without planning for expenses, a big income can lead to big debt. But it doesn’t have to be! I spoke with a couple in episode 114 of my podcast who overspent on holidays because their earnings combined were a lot. The entire point of these tools is to simplify money management so you can think about your money less, not more.įor many people, budgeting and planning for big expenses like vacations are a struggle. Simplified spreadsheets help develop your plan, and budgeting apps, like those that automate expense tracking, help you stick to it. Finally, you need to stick to your plan.īudgeting spreadsheets and tools are great resources for creating a conscious spending plan. They may have their own tracking system and an easy customer interface. Look at your HSA provider’s functionality. Next, create a system to track your HSA spending. This will prevent you from saving too much in your HSA. You then need to decide how much money to allocate to each bucket. First, track your HSA contributions by setting up automatic transfers from your bank account to your HSA. You need to start with a bullet-proof budget, categorizing all of your expenses into one of these four buckets: fixed costs, investments, savings, and guilt-free spending. Conscious spending is a great way to enjoy life while still building a financially secure future. ![]()
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