If that whole last paragraph made no sense to you because you don’t know what Excel is, stop reading now and just use paper – it will be easier. If you’re a nerd like me, you’re always looking for ways to use Excel. It is something about the view of those lovely cells on the rich, white background that makes you want to enter data and calculate important variables (by formula, of course), such as 2 + 2 or 1,739,384 * 2,324,525,757 just to see what the answer is. What? Just me? I’m the only one who does that? Oh. If you’ve read my book or attended any of my workshops, you know I generally teach folks to do a budget on a calendar. It is very visual and very effective. But it is also a lot slower than other methods. For those really struggling to make ends meet and/or to behave with their money, I believe this is needed. But eventually I hope we all graduate to a better method that allows us to put our funds into categories and allocate as appropriate. This is the assumed method with this template. That being said, I bet you’d appreciate it if I could give you an easier method to do your budget than pencil and paper. That’s what today’s post is all about, thanks to a question by a reader. Let’s learn to simplify the dreaded budget! It is hard, and it takes discipline. It also is IMPORTANT. So when you have to choose between the latest episode of your favorite TV show or doing your monthly budget after a long day of work, the budget is apt to lose every now and then. I preach the value of doing a new budget every single month and how important it is to get in the habit of planning every dollar that will come in. In doing so, I get a lot of feedback dominated by eye rolls and smirks. Apparently a lot of you don’t like to make a plan for your money on paper every month.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |