Jeannette Layna June 5, 2021 Spreadsheet
”Happy crapola!” he exclaimed, rising from the rollered chair and scooping accordion folds of printouts into his tattered briefcase. He snatched his worn black suit coat from a hanger on the back of the office door, switched off the fluorescent overheads, and walked to the executive offices in the adjoining building. When his audit week ended, Lester typically teamed with Lance Lott for a tour of the local watering holes. Lance was a marketing guy he‘d met when he first worked the Bourgeois account. Lance also was single, and resembled Keanu Reeves on a bad hair day. Lester considered him a ”chick magnet,” and although he himself never got lucky on their semi-annual expeditions, the other always disappeared with a babe on his arm. Lester decided, tonight would be HIS night.
Structured Query Language, often referred to as SQL, is a grammar of instructions that allows us to tell a relational database to add, modify or delete data. The key benefit, pardon the pun, of SQL is that it allows us to craft instructions relating large sets of data together. In this way SQL is the natural complement to the single cell and formula based interface of spreadsheets like Microsoft Excel. Imagine you had five hundred appointments from your business calendar laid out in a table. Each appointment might have a day, time, location and description. Now imagine you also had five hundred appointments from your partners business calendar, also each having a day, time, location and description.
Here‘s a very simple budget set up. Keep a simple income spreadsheet. List all the sources by name in column A. List how much each brings in in column B. And then, any notes you have for the income (like if it is temporary) in column C. You don‘t need to get very detailed with the income, because it only needs to be accounted for so that we can budget for it‘s use. And, the incomes use is in our expenses spreadsheet. This spreadsheet will be much more complex than the income one. You‘ll need a field for income that you carry over from the income sheet. You‘ll also need a field for a total expenses budgeted for. A third field will give us the budget surplus. We get that by subtracting the budgeted amounts from the income amount. A final field will subtract the actual amount spent from the income, and will serve to tell us where we stand in our budget. If you like, you can add another field that subtracts the actual amount spent from the amount budgeted.
Lester loved his numeric universe, but this was not how he had envisioned his life unfolding; flying hither and thither from his hometown of Hershey to wherever his firm wished to send him. Just because he was 38, single, and still living with his folks didn‘t mean his employer should take advantage of him which, in fact, his company did on a regular basis. After all, Lester had other important interests, too. The ”Four Bs” he called them: Botany, bowling, bugs and Buddy Holly. Myriad plants crowded his tiny room in his parent‘s house, forcibly sucking carbon dioxide out of anyone who entered. Bowling trophies – ranging in size from tiny silver cups to massive bronze edifices shaped like the Empire State Building – claimed space not dominated by flower pots, planter boxes, and hanging baskets.
You can go over your budget as often as you like. Some find it easier to enter amounts every day after they‘ve settled in for the day. Others will choose to go over it monthly. Going over it weekly is likely where most will settle though. Occasionally, we‘ll have a surplus or deficit at the end of the month. Perhaps you‘ve spent too much, or not spent all that you thought you would. Spending too much can be troublesome, but not spending as much as you thought can be a lot of fun. You may want to consider adding a budget field carryover in the income sheet and one called shortfall in the expenses sheet. If you spent too much, the amount that you overspent by becomes your budgeted amount for shortfall in your expenses sheet the next month. Didn‘t spend enough, and you put that amount in the carryover field in the income sheet. This will help you keep track of all your money as well as account for any shortfalls.
Paying off your debt and becoming financially independent has many important parts. The most important of those is creating a budget. A budget gives you an outline of where your money is going and where it should go. In some instances, it can be used to create strict limits for your spending. How well you stick to the budget is up to you. When you reach the end of your budget month, the balance for the month should be 0. Funds in – Funds out = 0. If you end up with a negative number, you‘ve overspent and will need to adjust by reducing budgeted funds in another category or by reducing the total amount of money available for the next month. If you end up with a positive number, you‘ve spent less than you made. Good for you! Now, put that money to good use. Pay down some debt, or put it into savings.
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