They concentrate on a typical month and massively underestimate your real spend, as this misses
Please hit "FILE" and "MAKE A COPY" and then you'll be able to edit a
car.
Introduction to 'home'
Broad categories like this Personal Finance
makes it so easy to forgetTracker
the smaller expenditures included: like gard
The
SO I'veissue
createdwith monthly
a personal financebudget
tracker thattrackers:
tackles this issue. To give you a clear understanding
This spreadsheet is based on evidence-backed budgeting theory.
Accurately mapping your incomings and outgoings over a year, then helping assess whethe
How to all
1. Gather use the
your spreadsheet:
credit and debit card statements and all your receipts. compiling these fi
contributions and one-off
2. Be 100% honest spends.
when filling in your answers. It's better to guess larger than smaller. You
overall snapshot of your finances I do it every 3 months
3. Analyse your spending, the differences between desired and actual and figure out ways
4. Come back in 3 months and analyse the differences
pend, as this misses huge one off spends such as summer holidays, new sofas or getting a new
e able to edit and use it for yourself
es included: like gardening,TV license, council tax and more.
a clear understanding on EXACTLY what is coming in and out of your account.
ng theory.
ping assess whether it balances.
. compiling these financial records, as well as info on credit card debt, pension
er than smaller. You can do the same process month by month, given this gives an
nd figure out ways you will cut back
Please hit "FILE" and "MAKE A COPY" and then you'll be able to edit
Don't edit the orange cells, as this has specific formulas that made the spreadsheet work smoo
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
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
n you'll be able to edit and use it for yourself
made the spreadsheet work smoothly
r net income)
n the 'What do you spend' page, put your tax in Tax
e amount in the weekly column
Monthly Yearly Monthly Total
0.00
How much do you spend? Is it by the week, month, or year - pop it into the c
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
pop it into the cell 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 & Smok 0.00 0.00
Transport & Travel 0.00 0.00
Debt Repayments 0.00 0.00
Savings & Investmen 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
