Celestine Agathe May 10, 2021 Spreadsheet
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.
The former hangs like a transparent curtain four feet above the floor and shrink-wraps itself to anyone bold enough to attempt passing through. The latter represents a fragrant blend of beer, cheap cologne, and unkempt toilets, and assaults an unsuspecting visitor‘s nose like an aggressive index finger. By Saturday, the fragrance would be pungent enough to cause mere mortals to speak in tongues. Lance led the way with Lester in tow, dodging around dark figures that emerged from the nicotine and odoriferous fog. Lester had difficulty keeping up, licking the lenses of his glasses and tie-drying them as they wove their ways toward diffused light they assumed was the bar area where lusty women awaited.
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.
”Rippeto‘s Rendezvous” was only a block away, and attracted patrons from all levels of the social spectrum: Primarily fringe types, college students, and the occasional Young Urban Professional. It was near the University, and close to Civic Arena and Three Rivers Stadium. On clear nights, you could look out Rippeto‘s windows and see the Monongahela River afire in the distance. Two things are striking about Rippeto‘s when one weasels through the wall of humanity standing outside, and plasters oneself against an identical living wall inside: The smoke and the smell.
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.
Most planners are good at multi-tasking and have no problems designing a simple spreadsheet to handle a basic budget or designing a form to handle registration. So, you spend your time designing and stressing out. You end up with a variety of forms that each handle a specific need like registration, exhibits, food expenses and budget. The forms are not connected and do not work together. Hence, you end up having to do additional work merging the information from the various forms into your budget. Why do this when there is a Budget Spreadsheet for Meetings on the market that will tie your history, individual forms and budget together? It is so easy that all you have to do is enter the information. The spreadsheet does the rest.
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