Load Google sheets to your phone or use on your laptop or pc for free. Watch the video for formulas and ideas on how to start your own personal budget.
Hit me up for any questions and help. I am pretty good at making a dollar stretch
This is a budget for beginners. Beginners without credit card debt. If you have credit card debt you need to also factor that in and get it paid off as it’s a high interest payment. There’s an order to getting credit cards paid off while also putting money into savings to stop the vicious cycle.
If you’re good with credit cards and always pay off monthly, I say keep using for the rewards. That’s what I do. That’s actually my vacation savings. If you’re not, don’t use them at all. Make everything come out of your bank account so you can’t get behind.
I know I’m not in the majority but tithing, vacation savings, entertainment etc is not a necessary. Those are amounts you can tweak to still be able to pay for essential living expenses like home, food and utilities.
Please use this or at least try something. Everyone should be able to save some money even if all you can put away is $10 into this worksheet line. Do what you can and if you start a side hustle or get a raise add to it. I’ve done that for years and while it would have been fun to just blow the money we put most of it away each time and always had money when we needed it most including to eventually buy cars without loans. Tell yourself yes sometimes but tell yourself no more!
Don’t get frustrated. Be patient. If you stay the course you will see it pay off. Remember it’s a marathon not a sprint. Endurance matters. I will cheer you on. Leave a comment if you want to try this. If you want to get your finances in order. I want to see everyone grow financially even if that just means not having credit card debt , a tiny savings and paying your bills on time. I call that successful. I’ve been there.
