A rudimentary budget in Google Sheets

As I stated in the previous post writing things down makes them real.  In doing this I have started what is a very rough Budget.  I have been using Google Sheets for right now, getting down the basic information needed.

I have a section broken out for different pay amounts with starting salary, first pay bump, and the hopefully next pay raise.   This is based on a yearly salary then broken out to paychecks. 

I made deductions for the taxes (based off currently salary, and my 401k payments (10%) currently.

With my known income, I next needed to see all my expenditures.   These are things like rent, cable, cell phone, car, water, electricity, food, insurance, entertainment.  

I should be in the black each month, but I am not.  So clearly I am not tracking anything very well.  My budget sheet is just a bunch of numbers not really worth it yet.  

I used to use Mint, maybe I should check it out.   Next step is to take 1 day and watch all my expenses for that day.    

But not tomorrow, tomorrow is going to be a busy day for me and my bills.   

Comments

Post a Comment

Popular posts from this blog

Welcome to Cents to Freedom

Welcome to Cents to Freedom, a personal finance blog where I will be talking about what I am doing to try and clear up racked up unsecured debt.  I have read that by talking/writing about your debt it forces you to take a harder look at where you stand.  I hope that by doing this it will help me chip away at the mountain and by chance help others who may be struggling.  
Read more

August 2nd purchase report

Today started off with a trip to Starbucks, as I did not have any breakfast items for the house, followed by lunch at work, and then a trip to the supermarket after for supplies. Starbucks: $12.34 Lunch: $11.09 Supermarket: $48.12 ---- Today's Total:  $71.55 Weekly Total to date:   $126.69 Once again I believe at least 95% of these purchases are for food.  This week I am doing nothing in changing the habits, just recording a normal week to get the baseline, and then go from there and try and improve my spending habits.
Read more

Credit Card Consolidation?

So I am at the point of looking at credit card consolidation loans, I keep hearing bad things about it, but if it will get me above water so to say, how bad really is it?  My credit score is already in the the hole, so sure it can go worse but its not getting better either any time soon.  Will have to look through the available companies and see what might work, maybe I will write another post about the decisions that will lead to figuring one out.     If anyone else has any suggestions let me know.  The journey is going to be long and hard, but its something that needs to be done. 
Read more