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One reason is that closing them can temporarily hurt your credit score. There are many reasons for having multiple credit cards. It is also a great starter budget for kids who don’t need all the features that household budget spreadsheets give you.ĭid you like the special budget tracking template? Next, we will tackle credit card organization. The special budget spreadsheet allows you to plan this money out without clogging up your normal budget. This could be a lump sum of money you weren’t expecting or money you will use on a vacation that is sitting in savings. Sometimes you want to budget money that doesn’t fit exactly into your monthly budget.
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This sheet does not count interest into the time, but people who get focused on paying off debt tend to find extra money to make their debt go away in about two-thirds the time this spreadsheet lists.ĭownload: Direct Download 4. I put together this simple Debt Snowball spreadsheet so I could list all my debts, put them in order from largest to smallest, and get a rough estimate of how much time till I was debt-free. For most people, the time it takes to get out of debt is much shorter than they think. When you are drowning in debt, it can feel like the process will last forever. To learn more about this spreadsheet and to download it, visit Steal My Monthly Expense Tracker (Free Excel Download)ĭid you enjoy that expense tracker excel template? Up next, we tackle debt. This gives you a bit of warning so you can shift some money around from a different account and avoid an overdraft.
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This spreadsheet keeps the big picture in mind. Financial Goals: It’s important to keep your financial goals in mind when viewing net worth and income vs.While this isn’t a full-blown budget, it will help you visualize what you “have to” pay each month. Personal Income Statement: This includes your income and all your recurring expenses.Personal Balance Sheet: This is simply a listing of all your assets and liabilities.This sheet puts all your personal financial information in one simple, printable spreadsheet. Personal Financial Statement Templateįirst up is my all-in-one, dashboard-style spreadsheet called the personal financial statement template.