I avoided budgeting for many years until I finally realized I had to get control of my money, because I was going into overdraft every month and getting eaten alive paying interest on overdraft and credit card debt.
I read some books about budgeting and paid for a course on budgeting but nothing really seemed to work until I put together my own spreadsheet and process.
My goal was to be able to see down the road. Like, if I spent $50 on eating out tonight, how would that affect my finances in the next week, two weeks etc?
So I made this really simple spreadsheet and it has really worked to help me NOT go into overdraft but help me save and payoff a lot of debt also.
So I thought I would share this here since I've seen a lot of different methods of budgeting but haven't seen one quite the same as this process. I'm hoping it can help other people like me who hate budgeting a bunch of variable expenses like groceries, eating out etc.
Below is a link to the Google sheet I use and there are links to a few videos that I made for my sister who wanted to learn how to do this but couldn't get together in person to go over it. She's been using it for about 3 weeks and is loving it so I thought maybe there are others that can use it to improve their finances?
Heads up, you need a Google account to access the sheet since it's a google sheet.
Here's the link to the spreadsheet: https://docs.google.com/spreadsheets/d/1mXpOuz67NZluqNhzZkaZXHvbbYshzqYHncz0ZwUiw30/copy
Here are links to the videos:
Video 1: https://screencast-o-matic.com/watch/cF6Yb9Y4x6
Submitted November 10, 2018 at 07:00PM by tmurf33 https://ift.tt/2RKk4FV
