We are all driven by dreams, from an early age when we started to work and understand the real role of money in our lives. As time goes by these ambitions are no different, money motivates us to work to earn resources to achieve our goals and objectives. Whether they are simpler, like buying a car, doing exchange abroad, forming a family or dreams that will require more planning, such as the acquisition of higher-value goods. The point in common in the examples above what to be Complete financial planning is necessary for us to realize any dream. It is extremely important that from an early age we can learn to plan to save, and how best to do that with the help of a personal finance spreadsheet. Gather all of our financial information in one place to go. help us understand how we spend, invest or waste our money. Does having a personal finance spreadsheet help you to identify and gather all information about your expenses, making it possible to analyze how and where your power save money. So, be It is possible to organize fixed accounts and installment payments or financing in order to plan early payment, drastically reduce interest charges and make comparisons with previous months. Assemble the spreadsheet very simple and can help you end that feeling of “where did the money go” Always keep it up to date your main challenge, but be Is it important for you can identify when you made an impulse purchase or real need. be It is possible to organize fixed accounts and installment payments or financing in order to plan early payment, drastically reduce interest charges and make comparisons with previous months. Assemble the spreadsheet very simple and can help you end that feeling of “where did the money go” Always keep it up to date your main challenge, but be Is it important for you can identify when you made an impulse purchase or real need.
The first information to build your spreadsheet know which one your monthly income. If you are a wage earner, pay attention to the values because there is a difference between gross and net wages. The gross salary what is agreed at the time of the interview and the net salary how much are you it effectively wins by taking advantage of the benefits discounts (transportation voucher, meal, and medical insurance are the main deduction items in the pay stub), taxes (IRPF) and INSS. The same rule applies if you do. works as a freelancer or does freelance work. Whenever your customer requests the invoice to be issued, tax rebates according to your tax activities. The calculations for these taxes appear on the invoice, but it is worth checking with your accountant or asking for one if you want. do not yet have accounting services.
Did we give you the recipe on how to calculate your expenses, now it’s time to explain how to make operational calculations and easier? This step is very important because if it requires a lot of work, you will probably soon give up to keep track of your finances. The good news that there are 4 types of spreadsheets to facilitate monitoring. To facilitate, we list below the 4 personal finance spreadsheets for each profile and financial objectives. It is worth remembering that the choice of one of them will also be influenced by your level of knowledge in Excel, internet and smartphone handling. Check the details of each one and choose the one that best suits your needs!
The Good Lenders the best example of the online and automated spreadsheet because it works online and offline on your cell phone, the import of your bank transactions is done automatically directly from your bank accounts and credit cards credit. We recommend to anyone who does not want to have work updating the spreadsheets, wants to access from anywhere and at any time.
For those who do not open Excel spreadsheets and want to have personal finance files only on the personal computer. We recommend the use of a simple spreadsheet, to facilitate Lite Lending offers an option to download an Excel spreadsheet.
For the same profile of the people who chose to have the spreadsheet saved only on the personal computer and in Excel, but has mastery of the tool. IDEC (Brazilian Institute for Consumer Protection) offers a spreadsheet with advanced resources, such as mathematical functions, graphs and projections to make an accurate analysis of your budget.
It works like a diary, where you go record all your expenses for the day, mainly small expenses, but that at the end of the month can be the factor for you. still be in the red. An example of this spreadsheet model the INFO EXAME magazine expense diary. Still have questions about how to set up a personal finance spreadsheet Leave your comments in the comments so that we can help you or tell your experience with the spreadsheet template you have chosen.