So, I have been inspired and tweaking my Payday Budgeter in order to update it to reflect how I use it. Take a look . . .
This means that I am expanding my section on my wallets, and giving them their own section.
Also I can specify how many of what denomination of bills I want to put into each wallet. This is so I can spend cash and not have to break a twenty.
Also I have added a column to note which credit card (if any) this line item (in either Debts or Expenses) is going on.
That way, the spend is marked as either an Expense or as a Debt, but it is not lumped into a massive line item at “Visa” or “Capital One.”
This way it more truly reflects what I am actually spending it on.
It does mean that I have to add up those expenses to ensure that it matches the outstanding balance on the credit card. (Yes, I have another spreadsheet for that.)
There are a few other tweaks and updates, including font sizes and column widths and all that. All and all I am impressed with how it has turned out.
I have said it before, master your cash flow and you will master your fiscal destiny. Yes this applies to everyone, no matter how much or how little you make.
For it is how much and where you spend, not how much you make that is the true determiner of your financial success.
(No matter what, there are always options, if you choose to look for them.)
If anyone wants a copy of this for yourself, let me know.
As always: Keep your head up, your attitude positive, and keep moving forward!