How: create your own worksheet envelope

With so many people living keeping wage salary and try beyond their means, with credit cards, life can be called to this as our parents and grandparents "envelope budgeting."

Envelope budgeting forces consumers within their means, the Division your monthly cash flow in various envelopes on each envelope assigned to different expenditure required to live. The modern version of this system can be done with virtual envelopes in a spreadsheet. Level of difficulty: Moderately easy

Instructions

1. 1

   Log on to your computer and then open your favorite table.

Create you a new worksheet and each column represent a monthly cost. These columns will serve as your virtual envelopes. For example, one of your electronic envelopes "Grocery store" may be labelled while marked the other "entertainment" or "Essence", etc..

2

See your checkbook or pay stubs are charged to your home each month to determine.

Reserve this home content for each of your virtual envelope. In the allocation, it makes sense to have a list of your available monthly expenses. This helps you to make your expenses for the month a detailed assessment.

3

Use all your monthly purchases debit cards.

Ensure that you store all your purchases in your checkbook to avoid overdraft fees and make sure that you keep all your earnings. Label each shot with the type of purchase, so that you can enter it in your virtual envelope.

4

Type the amount of each purchase virtual envelope pui appropriate

s subtract buying the gesamten assigned to the envelope. To subtract continue each corresponding purchase of the envelope. If you all have exhausted the money to this envelope associated with that you have completed this category Dépensesdans up, the next month Autour rolls.