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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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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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Contact - mail@easymoneyplanner.co.uk |
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website design by www.spiderspider.co.uk |
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