this is great for getting a close look at your finances and making sure that you stay on track from month to month. a one-year budget is a lot like a regular budget in that you need to gather all of your income and expenses to get started. the problem with this method is that it can lead to cash flow issues and budget shortfalls in months where your income is naturally lower. now that you have your income in place, it’s time to add mandatory expenses. regularly recurring expenses like your internet and mortgage payment will be easy to add to your budget because they are the same every month. sure, you could wait for those expenses to come up and tackle them in the year that the happen, but that creates unnecessary financial strain in that moment. this is the beginning of you taking control of your money and directing your financial future.
so better to actually take control so you can be sure that you are focusing on the things that matter to you most. your budget represents how you are going to make the things that you actually want from your life happen. so you might want to list those at the top of your focus goals list. as you start adding in your focus goals you may find that you’ll need to tweak your numbers to make everything fit. the idea is that you have all of these things that you want to fit into a jar: rocks, pebbles, and water. they are the things that you can take or leave — even if it’s just for a time — so you can meet your more important needs. because these numbers can change as the year goes on, we highly recommend using a spreadsheet for your budget because it just makes everything go a lot smoother.
with a cpa father and an engineer brother, the concept of doing math just because seemed absurd. here’s how to do it your way — and in style. to pull this off, select all the cells you want to color code. type in the items you want to add to your list. i know it’s a little thing in the grand scheme of life, but having to continuously resize my columns and rows has made me want to quit excel more than once.
whether you realized you made a mistake, you need to do some adjusting, or you’d like to change some terminology, the “find and replate” feature is a dream-come-true when it comes to customization. from there, a popup will allow you to type in the term you want to find in the spreadsheet as well as the term you want to replace it with. in addition to physically adding the dollar sign to each number, it will also add decimal points and commas. once a new window pops up, click “proofing” on the lefthand side and then select “autocorrect options.” finally, in the text boxes of “replace” and “with,” just add your abbreviation and the extended text. follow the financial diet on facebook, instagram, and twitter for daily tips and inspiration, and sign up for our email newsletter here.
to help you out, we’ve created a free budget spreadsheet template for you. step 1: pre-work. a one-year budget is a lot like a regular budget in digital downloadables free budgeting template how to improve your credit score building a sustainable freelance business overcoming imposter syndrome nice my secret? other than lots of coffee, it’s a customized excel budget. from utilizing hotkeys, color codings, and sizings (as well as all of the, the financial diet budgeting, the financial diet budgeting, the financial diet cleaning spreadsheet, chelsea fagan, the financial diet budgeting apps.
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