In the current economy, lots of people are wondering how they could get control of the financing. They will need to decrease their spending and begin living on a budget. Now more than ever, we will need to begin living within our means and not spend more than we create. Using budget worksheets is your first step to get control of your spending and increase your finances. The best 10 worksheets you should be using are listed below:
Worksheet #1 – Income Tracking Planilha orçamento de obra – it’s important that you know where you are financially. Thus, filling out a income monitoring worksheet will do that. This is a worksheet in which you place all your income. If you’re married or have a partner that leads to your monthly finances make certain to include their income also. Simply put frequently occurring income on this worksheet such as regular paychecks, child support and alimony. Don’t include bonuses or other irregular income.
Worksheet #2 – Expense Worksheet – This is just another worksheet which you use to discover where you are now. This worksheet is an estimate of what your monthly expenses are. This worksheet should have family expenses, auto expenses, food expenses, medical costs, and the rest of the area in which you spend money monthly. This gives you a rough estimate of your expenses monthly.
Worksheet #3 – List of Creditors Worksheets – On this worksheet you might want to list all of the people you owe money. Including credit card payments, payday loans, and friends and loved ones. You might want to list the name of the creditor, the amount due, and the number of weeks (if any) you are in default.
Worksheet #4 – Weekly Expenses Report- The weekly expenses worksheet is where you will list all of your spending for the week. This includes things you purchase using cash, check, or credit card. At the end of the week you may transfer these transactions to your Monthly Expense Record.
Worksheet #5 – Monthly Expense Record- On this worksheet you will record all of your spending for the month at the right categories. At the end of the month, this gives you an exact amount of money you invest in all categories.