The categories in this worksheet have a very purposeful structure. They are designed to … See more

If the final budget is negative, you can either try to increase your income, or cut back in one or more of your savings and expense categories. This is why using a spreadshe… See more

If you don't already have some other system for analyzing your spending, then at the end of the month, enter your actual income and spending in the right-hand columns of … See more