Create budget: with 3 tools for private financial overview

A budget is one Simple and reliable method to maintain an overview of your finances. With the help of a private budget, you can monitor what you spend and evaluate your money for whether all the expenses were so useful. In this way, you can avoid expenses unnecessary in the future and possibly also prevent debts.

1. What does it belong to a budget?

Basic tie is a budget from Income and expenses Together. These are therefore compared to each other, in order to always take a look close to how their finances are. So you always have an overview of the fact that your expenses are still in the budget or if you have spent more money than it is actually available and you should rather save something.

There is always to distinguish between fixed and variable costs. Fixed costs are the expenses you have every month and that do not change. The variable costs are not carved in stone and can float from month to month. We have put together what can fall within their respective categories:

With variable expenses distinct between basic needs and electoral needs. The basic needs cover everything that humans must live, which can change according to the need per month, such as. B. Food.

Things such as luxury foods or leisure activities are based on electoral needs. Often it can also be that a sudden repair of the laptop breaks the budget – with these financial bottlenecks, e.g. B. The euro 2000 loan on auxmoney.com.

2. Create private budget with Excel

If you have all the important information you need, it can be a simple tool for creating the Excel budget. To do this, use the following control list to do this:

1. Open a new document.
2. Create 3 leaves of individual tables: one for income, one for expenses and one for the overall overview per month.
3. Open the first «Revenue» table and enter all the incomes that are part of the family budget.
4. Generate below with the equation «= sum ([Bereich Zellen]) “The sum of any income.
5. For reasons of simplicity, copy the «income» leaf, appoint it in «expenses» and adapt all the necessary information.
6. Perhaps it creates new columns for all editions and insert them. Do not forget to expand the sum function to all the necessary cells.
7. Copy the «Recovery» table again, appoint it in the «monthly overview» and adapts all the necessary information.
8. Eliminate the contents of the cells and insert the first line «Total entrances» and the second line «Total expenses».
9. Use the equation «=Income![Zelle der Gesamtsumme]»OR «=Expense![Zelle der Gesamtsumme]“To automatically import the sums.
10. With the equation «= less ([Zelle der Gesamt-Einnahmen]; [Zelle der Gesamt-Ausgaben]) “You can calculate the difference.

Tipp: If you don’t want to make the effort to create a budget in Excel, there is also many free online models For download.

Also, there are also The opportunity to use the programs to keep an eye on your expenses and that of your family. Programs and their models that have proven themselves. B. Mymicabalance or my budget book (PDF) by Sparkasse.

3. 6 free apps for monitoring your finances

For all those who prefer to create their most compact budget App that help to keep an eye on the budget. The advantages here are that you can insert your expenses in real time because you always have your smartphone with you. Some apps are even connected directly to their online account and make this step for you.

There is also one Easy Operation thanks to personalized and intuitive dashboard And the practical function of the categories. At the end of the month you can not only see how much you spent, but also for what.

Below we present 6 apps to monitor your finances:

• Money Manager (iOS and Android)
• Bluecoins (Android)
• My finances (Android)
• Wallet (iOS and Android)
• Mobills (Android)
• 1Money (Android)

(43 votes, media: 4.00 out of 5)

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