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"We recently had some emergencies come up and I was able to comfortably afford everything without fearing that suddenly I would be left with nothing," Celes said.
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Over the last four years, she built a $10,000 savings cushion. "I realized that I wanted the savings to be kind of like an expense, so I added it in a weird way so it would almost hide my savings from me. The spreadsheet includes a separate tab for factoring in big-ticket items. At the very top of the spreadsheet: how much you have left to spend for the day, week, or month.
#PERSONAL HOME BUDGET SPREADSHEET PLUS#
There are separate calculators for big-ticket purchases and regular savings, plus a goal tracker to log savings progress and setbacks. Savings takes center stage in the current budget template, which Celes shared on the r/personalfinance Reddit channel, a community with 14.6 million members, in May. "I kind of realized that I needed to be more responsible with how I was working on the spreadsheet and adding things to it and making sure to kind of keep that initial goal of keeping it simple, but also taking the time to help teach people responsible financial practices." A better budget led to more savings and less anxiety "One of the things that I really wanted to focus on when I was making it was it for someone who didn't know anything about money," she said. There wasn't a section in the budget for credit-card payments or savings for big purchases, but as Celes expanded her financial knowledge, she enhanced the spreadsheet, too. She shared the first iteration of her spreadsheet on Reddit three years ago. There's a daily "spendable" amount at the top of the budget that's customizable. The post has over 10,000 upvotes - a sign of approval from fellow Reddit users. Celes recently shared the latest iteration of her budget template on Reddit, which has an active and growing personal-finance community. She grew up experiencing food insecurity and felt a need to always have food in the house, she said, but didn't have a sense of urgency to pay medical bills, for example.Įventually she sat down with her partner, someone "who was taught the value of money," and created her first budget. Bills often piled up.īy the time she graduated college and started earning her own paycheck, Celes didn't know which expenses to prioritize. When cash came in, her family decided on the fly what to buy and what to forgo, the 29-year-old scientist - who uses a pen name online - told Insider. Money was fraught with uncertainty during Celes' childhood. I have been using this for well over a year and have adjusted it until it perfectly encapsulates every aspect of my personal finances, and has led to me keeping much better control over my money while allowing me to save and set targets for what I might be saving for.By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept our It is simple to set up, even simpler to maintain, yet comprehensive enough to manage almost all of your financial needs. Included in the workbook is and overall budget tracker a spending plan a fuel calculator a holiday calculator and a Christmas gift planner. With that target in front you, you can better resist the temptation for frivolous lending. Furthermore, it projects this monthly saving forward over 10 years so you can have an idea of how much you can save over a period of time. You can enter your monthly outgoings, plan your monthly spending and find out what you can be saving each month.
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The Personal Budget Excel workbook is a template for you to create your own comprehensive monthly budget, spending plan and savings forecast.