Today I thought I’d share a couple of spreadsheets with you to help you stay on top of your finances. They’re oldies but goodies. I’ve shared these individually in the past, but with the new year I though you might could utilize them both. These sheets will hopefully add to your overall financial organization efforts. I’ve provided a brief explanation about each one, and some links to download the sheets. Ignore the old website branding.
All-In-One Personal Finance Spreadsheet
First up is my all-in-one, dashboard-style spreadsheet. In general, this sheet puts all your personal financial information in one simple, printable spreadsheet. Here’s what’s included:
1. Personal Balance Sheet – This is simply a listing of all your assets and liabilities. It totals up to give you your personal net worth.
2. Personal Income Statement – This includes your income and all your recurring expenses. While this isn’t a full-blown budget, it will help you to visualize what you “have to” pay each month.
3. Financial Goals – It’s important to keep your financial goals in mind when your viewing net worth and income vs expense. This keeps the big picture in mind.
4. Online Log-in Credentials – If you’re worried about security you don’t have to use this section, but I like to have all of my log-in information in one spot so that my wife could pick up the pieces if something happened to me.
This sheet will help you:
1. See your entire personal finance situation all in one spot. I believe a necessary starting point for making the most of your finances is to know exactly where you’re starting from. This sheet will give you that view.
2. Help a loved one in the case that something happens to you. If you’re the one source of financial knowledge for you family, you need this sheet or something like it stored away safely in the event that something happens to you so that your family can take control of your finances.
Article About the All-In-One Spreadsheet
Download This Sheet:
All-In-One Financial Spreadsheet (Excel)
All-In-One Financial Spreadsheet (OpenOffice)
Monthly Expense Tracker
Up next is the monthly expense tracker. This sheet will help you avoid late payments and overdrafts by tracking all of your monthly recurring expenses and showing you how they will affect your balance at different times in the month. This sheet includes a rolling calendar of recurring monthly expenses and income, as well as, your total available balance projected out for 30 days or more.
More on how this spreadsheet will help you:
1. Avoid Late Payments – Since you list out your monthly recurring expenses by payment due date, you’ll be able to quickly reference which bill is coming due at what date.
2. Prevent Bank Over-Drafts – Since the sheet contains a running balance, you’ll be able to roughly predict what your balance will be at various points in the month. This will give you a bit of warning so you can shift some money around from a different account and avoid an overdraft.
Article About the Monthly Expense Tracker
Download This Sheet:
Monthly Expense Tracker (Excel)
Monthly Expense Tracker (OpenOffice)
PocketSmith, a calendar-based financial planner, is basically an automated version of this tracker sheet. Check it out if you want something more advanced.
While the sheets are by no means perfect, they’ve both helped me at times. Hopefully you can add them to your own financial tool belt and make some use of them too. If you have any questions or suggestions about the sheets, feel free to use the comments below…
Guest Posting Party
I’ve been doing some guest posting on other blogs lately. Something I plan to make a habit of in the coming weeks and months. Some of my latest posts include:
Should I E-File My Taxes or Mail Them? at Four Pillars.
How Do I Set Up a 529 College Savings Plan at ABC’s of Investing.
Organize Your Files for Tax Time at Finance for a Freelance Life.
Thanks to the host blogs for giving me the opportunity.
Other Notable Blog Posts from Around the Interwebs
Turbotax – Prepare Taxes Online – Free eFile at Debt Free Adventure.
Tax Credits for Home Buyers and Owners at Debt Free Adventure.
Tax Tips for the 2009 Tax Year at Moolanomy.
Banking Online: Is it Right for You? at Amateur Asset Allocator.
Common Qualities of High Net Worth Individuals at My Journey to Millions.
7 Things You Must Do Before an Emergency at Lazy Man and Money.
5 Tricks to Nip Your Spending Addiction at Not Made of Money.
Car Buying: Weekly Personal Finance Twitter Chat hosted by Budget Pulse.
Check this out: Fiscal Geek is Debt Free! Congrats, Paul!
How to Find an Auto Mechanic You Can Trust at Dough Roller.
Coverdell Education Savings Accounts vs. 529 College Savings Plans at Good Financial Cents.
4 Ways to Enjoy the Movies for Less at Free From Broke.
Sinners to Saints: What to Learn About Success at My Money Minute.
How to Prepare Your House for Sale at One Money Design.
Need Debt Motivation: Calculate Your Daily Costs at Budgets are Sexy.
Blog Carnivals I Was In
The Festival of Frugality at Ultimate Money Blog. The Festival of Frugality at Cooking Manager. The Best of Money Carnival at The Centsible Life. The Carnival of Debt Reduction. The Rich Money Habits Carnival at Rich Money Habits. The Festival of Frugality at Ultimate Money Blog. The Carnival of Financial Planning at The Skilled Investor. The Tax Carnival at Don’t Mess with Taxes. The Carnival of Personal Finance at Cash Money Life. The Best of Money Carnival at Studenomics. The Money Hacks Carnival at Passive Income Now. The Carnival of Personal Finance at Get Rich Slowly. The Festival of Frugality at Sweating the Big Stuff.
Be on the lookout for the first edition of the International Personal Finance Carnival.
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{ 4 comments… read them below or add one }
Awesome spreadsheets!
Thanks for the mention.
Thanks for the mention. I wish I had these spreadsheets when I first started my journey, would have been easier than making my own.
Thx for the shout out my friend!
No problem, guys.