If you wanted to get even more detailed, you may even be able to create additional subdivisions. Your expenses can potentially be divided into subcategories like dining, groceries and utilities, to name a few. For example, you may consider breaking down different types of income you may have (including job salary, investment dividends and rental income). Within those, you can divide each into different subcategories. While the exact number can vary from person to person, there are two categories that are helpful to have: income and expenses. This can vary from nearly nothing all the way to several hundred dollars, depending on the complexity of the program and your personal needs.Ĭategories help to organize your budget. Pricing: Last, but by no means least, is the price.If that’s the case, you might want a program that specializes in creating graphs quickly or a template that automatically builds and updates them for you. Perhaps you’re someone who really loves charts and graphs (more on those later). Additional features: While most spreadsheets use a common cell-based organization system, some of them offer unique additional features that may be worth considering.Highly stylized templates may look cool, but can become distracting and difficult to work with from a practical standpoint. Layout and legibility: If you’re going to use and update this spreadsheet regularly, it helps to ensure that its layout lets you easily track your data.Are features you need to use hidden away in hard-to-find places? Are the menus overly complicated? Choosing a program or template that’s confusing to use or requires advanced knowledge from novice users can frustrate your budgeting efforts. User-friendliness: You’ll need to update your data regularly for your budget spreadsheet to be effective at tracking your finances.When choosing your spreadsheet program or template (PDF), it can be helpful to consider a few things: You may also be able to find pre-made templates you can use with some of the most popular spreadsheet programs. There’s a plethora of spreadsheet software to choose from, as well as several online budget planning apps. Choose a spreadsheet program or templateĪ logical starting point to building a budget spreadsheet would be to choose a program or template for this purpose.
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