![]() Personal finance spreadsheet to help track monthly bills and expenses and create a budget. Sample sheets are included in the Excel Household Budget.Ī ZIP file will be downloaded, and you can use it by unzipping it.Excel budget spreadsheet and checkbook software. To download, click the download button below. The default setting of Excel is to disable macros.Ĭlick on the Develop tag and take a look at Visual Basic. I know that some people are reluctant to use macros. This "Credit Excel Household Budget" uses macros. Of course, luxury is also essential to enriching your life, so first check the ratios and find out how well balanced you are both financially and mentally. If you have some savings, you can put some money aside for personal investment, even if it is a bit overwhelming. These methods depend on how much you have saved. If it is negative for necessary expenses, reviewing fixed expenses and essential items may help. ![]() If they are negative, check to see if income -essential expenses is negative. Points to improve household financesīasically, it is important that monthly income - expenses not be negative. To budget for variable expenses, please refer to this month's budget (income - (savings + fixed expenses + special expenses)) in this month's summary. The monthly entries are reflected in the monthly items and the annual trend can be viewed in a graph. Select the filter in cell C4 and uncheck the blank cell or 0. There is a column to fill in the target and set the asset target. When you enter a variable expense, a pie chart will be displayed showing the amount and percentage of each category (essential, personal investment, and extravagance). Variable expenses are categorized into essential, self-investment, and luxury for each expense category.Įntering the amount in the Self-investment and Luxury columns will automatically color them green and yellow, respectively. The amount entered in Special Expenses is automatically entered in the Total Special Expenses column. The expense items set in the settings are set on the monthly sheet (Jan-Dec).Įnter the actual expenses for Income,Tax, Savings, and Fixed Expenses, and the budget for Variable Expenses. You can set them up by month and by expense category, so it is easy to look back. Special expenses are those that do not occur every month but are special expenses and should be set to a large amount, such as event expenses or annual payments. Special expenses are managed in a separate sheet. Please change the units of the other sheets after changing the month sheet first.Ĭlick on the money symbol to select the currency unit.Ĭlick on the ”More Accounting Format” to see more unit information. The January-December sheets can be changed in units at the same time. ![]() Press the "Select Currency" to select a range of currencies. Saturdays are shown in blue, and Sundays are shown in red. You can change the start date to match your payday, etc. The date will be set to match the start date in each month sheet. The item names you enter will be reflected on the respective sheets. SettingĮnter the item names for income, taxes, savings, fixed expenses, and variable expenses. This Excel household budget book uses macros. ![]() However, if we classify them as luxuries rather than wastes and essential items rather than consumptions, the criteria are clear and it is easier to make a judgment, isn't it?įollowing this classification method, you will not only know the minimum monthly cost, but you will also be able to visualize how you spend your money with certainty, as you will know the percentage spent on luxury items and personal investments. The difficulty with this classification method is that different people have different values, so the judgment tends to be ambiguous.Įntertainment expenses or a cup of coffee at a café can be regarded as necessary consumption for refreshment, not wastage. I was previously categorized into consumption, investment, and waste. Items that are not necessarily need but enrich our lives and minds Items not necessarily need but expected to be recouped in the future Normally, when recording in a household account book, we categorize by expense category (food, daily necessities, etc.), but by categorizing by money usage separately from expense categories, we can see what is necessary. This Excel family budget book solves such problems. I keep a household account, but I don't know how to improve it. ![]()
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