![]() ![]() ![]() At $81/month, that easily could have sent my account into the negative if I’d left that out of my budget! Add it all to an Excel spreadsheet Are there any recurring monthly payments that you’re missing? As you may have caught from my pictures above, I forgot to include our car insurance payment. Go back and take a look at your last couple checking account statements. Many companies will work with you on your due dates and this will definitely make bill paying a lot easier (if you happen to get them on the phone, don’t waste the opportunity to negotiate lower payments!) Make sure you didn’t miss anything! You’ll notice many of my bills are due on the 15th. Just like I prefer reading an actual book instead of a Kindle, there’s something familiar and easy about writing out a list versus typing one. Maybe I’m alone in this, but I love working with pen and paper. Make a list of every bill you have each month But before you even take that step, grab a pen and paper. There are dozens of different apps and programs out there to help you budget but I’ve found that using Microsoft Excel is the easiest and quickest way to start getting a handle on your finances. ![]() How to Create a Household Budget with Microsoft Excel Developing a budget is a must when it comes to saving money and finding more time to spend with your loved ones. Like any job, though, if you take a moment to break it down, building it back up becomes that much easier. If you have very little experience managing money, developing a budget can seem like a monumental task. ![]()
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