9/6/2023 0 Comments Monthly family budget plan![]() ![]() You may like to add a column to your spreadsheet now for your Budget for each item. Now you know exactly what you’re spending each month, you can start to plan your finances ahead of time, knowing exactly what is going in and out of your accounts. Take a little time to see where you might be able to cut some costs, if you need to. Or is it time to reassess your family’s health insurance now that your family has grown? Perhaps you can stop paying for pregnancy cover now, if you feel that you no longer need it. Perhaps you realise that you’ve been paying into a gym membership for months that you have no immediate plans to use. While you’re looking at your spreadsheet, can you see any areas of potentially reducing costs? Now you have a clear picture, at a glance, as to what is coming in and out of your accounts each month. This figure can be confronting but take comfort in knowing that this is the very first step in you taking control of your finances. ![]() We want to know how much you have left over at the end of each month. Then add another formula to work out the difference between the two. Next, add a formula at the bottom to total your Income and Expenses. You might like to add extra columns such as account numbers and the corresponding bank accounts the money comes and goes from but let’s keep things simple for now.
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