maniagift.blogg.se - Apple numbers monthly budget template

APPLE NUMBERS MONTHLY BUDGET TEMPLATE PLUS
APPLE NUMBERS MONTHLY BUDGET TEMPLATE TV

Still others might maintain an annual budget. How often do you want to manage your budget spreadsheet? That may largely depend on your financial situation.įor some people, a daily or weekly budget may work best.

Utilities like power, phone and internet.

Food including groceries and restaurant meals.

Variable expenses may change from month to month and can include:

APPLE NUMBERS MONTHLY BUDGET TEMPLATE TV

Memberships such as gym and streaming TV services.

Loan payments, including those for student and personal loans.

Transportation such as bus and rideshare services.

Rent, mortgage and homeowner association fees.

A bill calendar could help keep track of those.Įxpenses on your spreadsheet can be broken down even further into fixed expenses and variable expenses.įixed expenses remain generally consistent each month but can have small fluctuations depending on usage.

APPLE NUMBERS MONTHLY BUDGET TEMPLATE PLUS

Those can include your monthly expenses, plus your bills that aren’t due on a monthly schedule, like annual personal property tax. They can also be broken into subcategories. Interest, dividends or capital gains on investments.Profits from selling goods or providing services.These would be based on different types of income, such as:

It may help to break your net income into subcategories. That’s the total money you’ve earned minus expenses like taxes and interest payments. To get started, first determine your net income. Income is typically one of the major categories found in budget spreadsheets. Or research budgeting apps that do most of the work for you.

You could also reference helpful worksheets from places like the Consumer Financial Protection Bureau (CFPB).

If building your own budget spreadsheet sounds intimidating, each program offers prebuilt templates to help you get started. Depending on your preference-and your computer-you might find an option that works from Google, Microsoft or Apple. The best budget spreadsheet for you is probably the one you’re most comfortable using. Next, you can start creating a budget worksheet by following these 7 steps: 1. That way, you’ll have most of what you need at your fingertips. Before you start, it may help to gather financial information like pay stubs, bills, receipts, bank statements and credit card statements.