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One
solution is to plan your finances more carefully ..!
If
you can 'look' a month ahead, or even further, it takes the stress
out of 'the unknown'.
Plan
and forecast your accounts expenditure day by day, and then compare it with
your bank statement, you should be able to rest more easily at night.
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"I
have been using your spreadsheet for my finances for about 4 months now,
and it’s been great – so much better than endless sheets of paper
" - Alison S. United Kingdom
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Perhaps
you have spent some time trawling around the Internet trying to
find simple accounts software - a way of planning your domestic finances only to find a
selection of over-complicated accounts software systems.....!
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Have
a look at the system below, designed in Excel, which is intended to help
you manage your domestic and business accounts. You can plan several
months ahead and then 'juggle' your finances around in advance so you
don't go into the 'red'. Financial planning is the key.
See
the sample page below showing one month. It also works like a calendar -
there's one spreadsheet for each month of the year - all linked - 12
months for 2008. (2009 available soon!)
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How
does it work? 
The
system is based on a standard Excel spreadsheet so you don't need to
download any additional accounts software. It's helpful if you have an
understanding of Excel but it's not essential. All you have to do is
type numbers into boxes (cells) and the spreadsheet does all the 'adding
up' for you. Some of the columns contain formulae which do the
calculations for you, and these columns are 'protected' i.e. you can't
change anything in these columns - if you did, you would damage the
calculating ability of the spreadsheet.
The
spreadsheet has 2 columns into which you type descriptions of your
debits and credits, 3 columns into
which you type your debits (money going out your account) and 2
columns into which you type your credits (money going into
your account). The reason for duplicated columns is to allow for more
than one credit or debit to 'hit' your account on one particular day.
The
daily balance column then shows you what your financial situation is
each day.
By
putting all your standing orders / direct debits into the debit
columns, in the current month and for some months ahead, plus your
income into the credit column, you can see whether you will be going
into overdraft or not. If you see that in, for example, 2 weeks ahead,
you are going into overdraft, you've got time to think about some
economies or some 'juggling about'. |
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The
spreadsheet is also designed to look like your bank statement. So at
any time you can compare your balance with your statement.
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If
you see that you are going into overdraft, in a week's time, you've got
7 days to think about some economies or some 'juggling about'. |
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If
you are self employed, or have your own small business (same
thing really!) you tend to find that your income arrives by
cheque or cash in a random fashion from your clients at all
times of the month. Whereas your outgoings - Direct Debits,
bills, rent, mortgage etc, tend to leave your account on
specific dates.
This
simple accounts software system allows you to enter your fixed outgoings, and then
add the cheques or cash you may be receiving from clients on the
days you think it may arrive. |
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If
you can see that a payment from a client may be late, you can
perhaps 'chase' that client or request more prompt payment from
other clients to make up the difference..
Alternatively
you could 'stop' a direct debit (to avoid bank charges) then
phone that particular supplier, explain the problem and pay 2
installments next month... Also
- within Excel, there are some very useful free templates such
as cash flow forecasts, profit and loss projections, and invoice
templates. So you can set up a simple accounts system using
these free templates, plus the EASYMONEYPLANNER. to finally give
you 'real time' daily cash flow projections. |
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How
easy is it ..
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A
brief example |
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Let's
assume it's April 2008 .... and you want to start your version
going from April 1st |
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Get
your last bank statement and go to the end of March - make a
note of your balance on the 31st of March - let's say it's in
credit 450.00 |
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Go
to the top of the spreadsheet and enter 450.00 into the
box marked 'starting balance'.
You
will see it replicates down the entire column. |
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Scroll
down the MoneyPlanner and find April 1st. You will see 450.00 on
the 1st of the month. |
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Then
type your credits and debits into the correct boxes or 'cells' to
match your bank statement. You will see for example 'car repairs' 256.00
- then look along to the end of the line and you will see the
daily total has changed. |
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That's
basically all you do - just type your debits and credits into
the correct boxes (cells) and check the daily totals against your
bank statement when required. Then forecast your finances for the
next month or two (or longer) by adding numbers to the correct
cells in the next month's columns. |
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I've
got more than one account!! |
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No
problem - the system comes with 6 accounts already set up - each
one is based on the same template - you just give each one a
different name, so you don't get them mixed up, and each one works
independently. You can plan your finances on different accounts
simultaneously. |
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DOWNLOAD
A FREE DEMO>> |
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The
demo is an Excel file 44k - no additional software is
needed assuming you have Excel on your computer.
'Right
click' on the link below, then 'save target as' - make sure you
save it somewhere you can find it - suggestion - put it on
your desktop first.
'Right
click' HERE for your demo
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DOWNLOAD
THE FREE USER MANUAL>> |
1)
To view the user manual just click on it >>
2)
To download the user manual, 'Right click' on the
image>>, then 'save target as' - make sure you save
it somewhere you can find it - suggestion - put it on your
desktop first.
This
is a PDF file and you will need Adobe Reader on your
computer to view it.
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WHAT
DOES IT COST |
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$9.56
US Dollars - £4.90
UK POUNDS - 6.18
Euros
[at exchange rates - May 2008] |
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Delivery
- The product is delivered via a Web-page. i.e. after you have
paid for it, you will be directed to a new page from where the
file can be downloaded to your computer. The download will take about
5 secs on Broadband, longer on an old 'dial-up' modem. Excel file - size 585k |
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Compatibility
with your computer.
Windows PC. This file is a standard Microsoft Excel file and is
compatible with all Microsoft PC computers from Windows 98 onwards
assuming you have a copy of Excel on your computer.
Apple
Mac. On some Apple Macs the layout of the financial columns
may vary. It's best to download the free demo first to check. |
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How
to download the MoneyPlanner |
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Firstly
check you've got Excel on your computer!
One way to be absolutely sure is to download the free demo first!
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To purchase -
please click on the 'BUY NOW' button
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Your purchase will
appear on your bank statement under the name "CLKBANK*COM". |
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