The Personal Budget Excel workbook is a template for you to create your own comprehensive monthly budget, spending plan and savings forecast.
You can enter your monthly outgoings, plan your monthly spending and find out what you can be saving each month. Furthermore, it projects this monthly saving forward over 10 years so you can have an idea of how much you can save over a period of time. With that target in front you, you can better resist the temptation for frivolous lending.
Included in the workbook is and overall budget tracker; a spending plan; a fuel calculator; a holiday calculator and a Christmas gift planner.
It is simple to set up, even simpler to maintain, yet comprehensive enough to manage almost all of your financial needs. I have been using this for well over a year and have adjusted it until it perfectly encapsulates every aspect of my personal finances, and has led to me keeping much better control over my money while allowing me to save and set targets for what I might be saving for.
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