The Excel personal finance templates can be very helpful to you as you analyze and modify your budget. Excel is a product of Microsoft, and usually comes in a package with Microsoft Word, Powerpoint, etc. Most PCs comes with Microsoft Word installed, and a Macintosh version is available, too.
"What's money?
A man is a success if he gets up in the morning
and goes to bed at night and in between
does what he wants to do.”
- Bob Dylan |
In other words, if you have a computer, there’s a good chance you may already the software that provides the entire set of Microsoft Word and the Excel personal finance templates. When you open Excel or Microsoft Word, a “Project Gallery” comes up. Click the “Home Essentials” tab on the left, and you’ll see “Home Budget” as one of the options. Or, if you just want to cut and past the following web address you can: http://office.microsoft.com/en-us/templates/default.aspx Click it and you’ll see all sorts of various templates: Home improvement, budget, monthly home budget, moving cost calculator, and personal budget. Choose either the monthly home budget or the personal budget, depending on whether you’re single or have a family. The templates are very easy to use. You’ll see expenses and figures already entered in. These are merely examples, of course, to show you how it works. Replace the pre-entered data with your personal data. The Excel personal finance template will automatically re-calculate the percentages and totals based on the numbers you enter. Easy, right? These templates are simple to use, and the best part is, they’re free. If you have Microsoft as your main software, you probably have easy access to the Excel templates. It’s not necessary to spend your hard earned money on books, software, or other tools that are meant to help you save money. These Excel personal finance template options are pretty basic, and the thought may occur to you that you don’t even need them. At Debt-to-Income.com, there is a free budget tool that does essentially the same thing. All you’re really doing is keeping track of your monthly expenses and income. If you don’t have Excel, or if you want something that’s a little more low-tech and simplified, use the free budget tool at Debt-to-Income.com to keep track of the money you spend. And that’s ultimately the whole point: To maximize your income and minimize your spending, you have to scrutinize the whole process. Write down every penny you spend, every day, and see how fast the little things add up. The Excel personal finance template or the budget tool at Debt-to-Income.com can help you do this in an easy-to-read manner, and you’ll have taken the first step toward becoming financially wise and independent.
"The man who never has money enough to pay his debts
has too much of something else."
- James H. Aughey |
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Debt is NOT your friend. It's not a wonderful "tool" for building wealth. That's a myth.
