Tanya Worthy October 12, 2019 FamilyBudget
How do you create an effective family budget? First of all, avoid convoluted software programs that want you to devote an entire weekend to categorizing, analyzing, and so on for the sake of creating the perfect budget. Perfectionism, when it comes to budgeting, is a huge waste of time. Reality has a funny way of sometimes not giving a damn about what you have gotten written down in your budget. So, relax and just give it your best shot.
Your budget spreadsheet or home budget software should have a user-friendly interface. It should be flexibly and easy to understand in its operation. You should not need a degree in programming in order to use or understand it. Likewise, its working environment should be designed with you, the consumer in mind. You should not have to struggle to navigate from one section of your home budget to another. The screen`s layout should be easy to understand. Some programmers believe that more is better; and so to that end they have fatten up ever screen with excessive graphics and/or text that contains little or no useful information. Your home budget software will become an integrate part of the lives of your family. The using of it should not stress you out! If you want stress... have children!
Basic Budget Worksheet. If you are having difficulty coming up with all of the various expense categories for your budget, here are a few links with sample budget templates: (Mint.com brings all your financial accounts together online or on your mobile device, automatically categorizes your transactions, lets you set budgets and helps you achieve your savings goals) (Vertex42) (Microsoft )
Q: What if I make my budget, and the expenses are way above my current income? A: First, it is good that you made it, because you now realize you have a problem. Secondly, you will want to decide whether there are expenses you can eliminate. For instance, if the entertainment section is $20 a week, can you cut it back to $10? What other categories can you reduce? Finally, you may need to work more hours or get a second job to make ends meet.
Q: Is making a budget hard? A: No! It is not. In fact, all you need to do is go to Google and type in "budget worksheet", and there are numerous free resources available to help you in the process. There are also software products available. Microsoft office actually has free downloadable budget templates. Every suggested category is included, so you can customize it to your liking, print it out, and get to work.
More often then not when we start to speak about a home budget or budget spreadsheet, we tend to focus on the setting up and the working with the budget; as if that was all there was to running a family`s home budget; never touching on the broader and more general aspects of home budgeting that interlace to form a overall successful financial picture. The successfulness of your budget spreadsheet will be reflected in how you handle, define, and process all of your financial information. For todays discussion, we will only focus on your family`s checkbook and the effects misinformation can have your family`s home budget.
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