Please hit "FILE" and "MAKE A COPY" and then you'll be able to edit and use it for your

Introduction to this Personal Finance Tracker

The issue
Broad with
categories likemonthly budget
'home' makes trackers:
it so easy to forget the smaller expenditures included: like gardening,TV license, counci
SO I've created a personal finance tracker that tackles this issue. To give you a clear understanding on EXACTLY what is co

This spreadsheet is based on evidence-backed budgeting theory.

Accurately mapping your incomings and outgoings over a year, then helping assess whether it balances.

How to use the spreadsheet:

1. Gather
2. Be 100%allhonest
your credit
whenand debit
filling in card
yourstatements andbetter
answers. It's all your receipts.
to guess compiling
larger theseYou
than smaller. financial
can dorecords, as well
the same proce
months
3. Analyse your spending, the differences between desired and actual and figure out ways you will cut back
4. Come back in 3 months and analyse the differences
 and use it for yourself

dening,TV license, council tax and more.

g on EXACTLY what is coming in and out of your account.

er it balances.

nancial
ou records,
can do as well
the same as info
process on by
month credit card given
month, debt, pension
this givescontributions and one-off
an overall snapshot spends.
of your finances I do it every 3

you will cut back

Please hit "FILE" and "MAKE A COPY" and then you'll be able to edit and use it for you
Don't edit the orange cells, as this has specific formulas that made the spreadsheet work smoothly

If you're employed / on benefits: Enter earnings after tax (your net income)
If you're self-employed: Put in your earnings before tax then, on the 'What do you spend' page, put your tax in Tax
If you're paid 4-weekly: divide your earnings by 4 and enter the amount in the weekly column

Weekly
Income From Employment / Self Employment 0.00
Income From Savings & Investments
Pension / Annuity Payouts
Benefits (Including Child Benefit, Child Tax Credits & Income Support)
Gifts From Family / Friends
Other Income
Enter Other Income Source
Enter Other Income Source
Enter Other Income Source
INCOME TOTAL
able to edit and use it for yourself
work smoothly

spend' page, put your tax in Tax

ekly column

Monthly Yearly Monthly Total

0.00
How much do you spend? Is it by the week, month, or year - pop it into the cell most suitable

1. EVERYTHING HOME
Per Monthly
Week Month Year Total
Mortgage/Rent 0.00
Buildings & Contents Insurance
Bank Account Fee
Overdraft Cost
Council Tax
Water Rates/Meter
Gas
Electricity
Oil
Household Maintenance
Garden Maintenance
Cleaning Products/Cleaner
Home Phone
Internet
TV Licence
Mobile Phone
Other Home
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
HOME TOTAL 0.00

2. INSURANCE
Per Monthly
Week Month Year Total
Level Term
Mortgage Payment Protection
Mortgage Term
Pet
Travel
 Gas & Plumbing/Boiler Cover
Other Insurance
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
INSURANCE TOTAL 0.00

3. EATS, DRINKS & SMOKES

Per Monthly
Week Month Year Total
Food and Household Shopping
Eating Out
Coffees/Sandwiches/Snacks
Drinks for Home
Drinking Out
Smokes
Meals at work
Other Eats, Drinks & Smokes
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
EATS TOTAL 0.00

4. MOTORING & PUBLIC TRANSPORT

Per Monthly
Week Month Year Total
Breakdown Cover/Roadside Recovery
Rail/Bus/Coach/Taxi
Car Maintenance
Car Insurance
Car Tax
Parking
Petrol/Diesel
Other Transport
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
TRANSPORT TOTAL 0.00
5. CARD & LOAN REPAYMENTS
Per Monthly
Week Month Year Total
Car Loan Repayments
Personal Loan Repayments
HP Repayments
Credit Card Repayments
Other Repayments
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
REPAYMENTS TOTAL 0.00

6. SAVINGS & INVESTMENTS

Per Monthly
Week Month Year Total
Regular Savings
Lump Sum Savings
Mini Cash ISAs
Investments
Buying Shares
Pension Payments
Other Savings / Investments
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
SAVINGS TOTAL 0.00

7. FAMILY
Per Monthly
Week Month Year Total
Childcare/Play Schemes
Baby Sitting
Children's Travel
Laundry/Dry Cleaning
Nappies/Baby Extras
Pocket Money
School Meals
 School Trips
Pet Food
Other Family
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
FAMILY TOTAL 0.00

8. ENTERTAINMENT
Per Monthly
Week Month Year Total
DVD/Video Rental
IT/Computing (eg Anti-virus etc)
Hobbies
Pet Costs
Shopping for Fun
Big Days Out
Books/Music/Films/Computer Games
Cinema/Theatre Trips
Family Days Out
Satellite/Digital TV Subscription
Other Fun & Frolics
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
FUN & FROLICS TOTAL 0.00

9. HEALTH & BEAUTY

Per Monthly
Week Month Year Total
Fitness/Sports/Gym
Private Medical Insurance
Dental Insurance
Healthcare Cashplans
Beauty Treatments
Dentistry
Haircuts
Optical Bills
Complimentary Therapies
 Other Health & Beauty
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
HEALTH & BEAUTY TOTAL 0.00

10. CLOTHES
Per Monthly
Week Month Year Total
New Clothes
New Children's Clothes
Work Clothes
Other Clothes
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
CLOTHES TOTAL 0.00

11. EDUCATION & COURSES

Per Monthly
Week Month Year Total
Your Courses
School Fees
University Tuition Fees
Other Education Costs
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
EDUCATION & COURSES TOTAL 0.00

12. BIG ONE OFFS

Per Monthly
Week Month Year Total
Christmas
Summer Holiday
Winter Holiday
Birthdays
Sofa/Kitchen/TV
 Wedding Expenses
Funeral Expenses
Other Big One Offs
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
BIG ONE OFF TOTAL 0.00

13. MISCELLANEOUS
Per Monthly
Week Month Year Total
Regular Charity Donations
Tax & NI Provisions (self-employed only)
Newspapers & Magazines
Other Odds & Sods
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
MISCELLANEOUS TOTAL 0.00
ll most suitable

Monthly
Desired

0.00

Monthly
Desired
 0.00

Monthly
Desired

0.00

Monthly
Desired

0.00
Monthly
Desired

0.00

Monthly
Desired

0.00

Monthly
Desired
 0.00

Monthly
Desired

0.00

Monthly
Desired
 0.00

Monthly
Desired

0.00

Monthly
Desired

0.00

Monthly
Desired
 0.00

Monthly
Desired

0.00
 Spending Totals

MONTHLY SPEND DESIRED SPEND

Home 0.00 0.00
Insurance 0.00 0.00
Eats, Drinks & Smokes 0.00 0.00
Transport & Travel 0.00 0.00
Debt Repayments 0.00 0.00
Savings & Investments 0.00 0.00
Family 0.00 0.00
Entertainment 0.00 0.00
Health & Beauty 0.00 0.00
Clothes 0.00 0.00
Education & Courses 0.00 0.00
Big One Offs 0.00 0.00
Miscellaneous 0.00 0.00
0.00 0.00
 Check your results

MONTHLY
Total income 0.00
Total spend 0.00
You spend MORE than you earn 0.00
ANNUAL
0
0
0