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It’s useful to have readily available simple spreadsheet for personal finances and expenses management.

Download free Personal Finances Management Excel template here.

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Realistically planned personal expenses and spending help not only staying out of debt but also help saving some cash. But the most important outcome is that it gives piece of mind preventing unpleasant surprises such as overdraft or carrying over credit balances from month to month. The planning involves three easy steps: know your monthly net income, break the budget into key spending categories, project daily spending.
Step 1 – Identify You Monthly Net Income
This is where you need to set your spending overall limit. The more aggressive you set it …

Applies To

Personal Finances Management
Microsoft Excel

Overview
This How-To walks you through step-by-step procedures of creating personal finances management spreadsheet using Microsoft Excel. This How-To requires Microsoft Excel as a prerequisite. Use this spreadsheet to plan and monitor your monthly spending to make sure you live below your means. This can help you avoid getting into debt in first place and even save some extra cash.