Use A Spreadsheet To Track Your Budget And Spending!
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If you create a spreadsheet on your computer, you can track your spending from month to month and create charts that could help you better see how your spending habits change over time. This is also a great way to keep track of balances on credit cards if you are working on clearing up credit debt!
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I made a budget on a spreadsheet to track all of my expenses and revenues. The formulas show all transactions on the account and show the bottom dollar at the end of each month. Once I see how much I can have left if I don't spend, it encourages me to only spend what I need. I can see months later how much I will have if I stay on track.243
Excel has many FREE spreadsheets for managing your money. You can search their site for budget/spending plans, savings, paying off mortgages quicker, etc. There are also ones submitted by people like you and me which you may find very helpful/useful for FREE!! SAVE ON! 243
If you're having trouble creating or sticking to a budget, it can help to pick one "problem area" and track every penny you spend in this single category. For example, track the money you spend on dining out and see if that helps you reduce the amount of money you spend in this category.
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