Download a free 2012 financial workbook
By Nicole Paitsel SavvyShopperToday.com

11:22 a.m. EST, January 20, 2012

Andrea, a blogger with Simple Organized Living, has put together a financial workbook through Microsoft Excel that helps you track your living expenses and other assets and expenditures.

Here is her description of the workbook:

Each worksheet provides a place to track monthly and weekly income, bills, expenses, debt reduction, giving, and investments.

You can see the summary of everything {including your overall surplus or shortage} on the last worksheet.

So the idea is that if you faithfully record ALL your income and ALL your expenses, you should be able to quickly and easily see how much you are spending on a monthly basis AND for each category {like gas, groceries, clothing, utility bills, etc.}

After you’ve tracked your finances for several months or an entire year, THEN it’s time to sit down and figure out where you might be able to cut back a little {or a lot} and create your budget based on those numbers. Creating a budget based on real-life numbers will be so much easier than just pulling numbers out of thin air; and you will be much more likely to stick to your budget — which is the whole point!

If you’ve never taken the time to track your saving or spending before, this could be an eye-opening exercise for you {numbers don’t lie!}… but I guarantee it will be worth it in the end!



Original content from Simple Organized Living: http://www.simpleorganizedliving.com/2012/01/16/my-2012-financial-workbook/#ixzz1k14jZcW9
Under Creative Commons License: Attribution Non-Commercial No Derivatives
You can download a free copy of the workbook, here.