how to make a budget

It is composed of four columns: family budget worksheet, forecast, realized and variances. As explained above, it is necessary to determine the amount provided for each expenditure and resource to fill in the “Forecast” column.
The “Realized” column shows the amounts entered in the “expenditure and income journal of the month,” the differences are calculated by the formula = provisional – realized.
The red color indicates that the realized is greater than the forecast, the green color a balance or a surplus.

Totals are calculated for each category.
At the bottom of this table, a control indicates: * TRUE when the sum of categories equals the total of the expenditure and revenue journal for the month to ensure that all journal amounts are included in the summary.
* FALSE: Then, the summary does not include all the amounts entered in the income and expenses journal of the month. This case arises when a category is chosen as an item of expenditure or revenue, for example, if one selects 2. Occasional expenses. It is therefore very important to be attentive when selecting on the list of choices.

Method of payment :
This small table makes the total by mode of payment. It will show you the sum of checks issued and received, total payments by credit card and cash. Attention this small table gives you the balance of the amounts entered in the newspaper of the incomes and expenses of the month but in no case the balance of your account in a bank or your bank card. NOTE: The table “January” has the distinction of being used to define budget items. Any changes made to the budget items are reflected in the other monthly sheets and the “monthly balance sheet.” The positions named “TO DEFINE” allow you to add an item of expenditure, they must be modified in the sheet “January.”
To edit the tables.
All cells containing a formula are protected by a password to prevent accidental deletion.

However, you can change them using the password: Budget.

This chart is designed to make it easier to enter and track the family budget. After familiarizing yourself with the elements of the table, you can keep your budget in ten or fifteen minutes a day.

Make it a habit to manage the family budget well.
Book half an hour or hour every month to analyze your budget to find:

excessive or unnecessary expenses,
periods of big expenses (taxes payable, parties, gifts to be made, etc.) that can lead to an imbalance in the family budget,
exceptional income periods,
refine the forecasts based on the differences observed, etc.
This chart of calculation and follow-up of the family budget is yours, make the seizure every day to have an exact situation of your finances.

What to do to fight against waste and get out of debt:
The subtraction of the expenses from the amount of the revenues makes it possible to draw:

a Positive balance: in this case, you have a savings capacity since your income is greater than your expenses. Beware of new needs that may eat away at this savings and your financial peace;

Negative balance: You need to find resources to finance this gap between expenses and revenues. Other solutions consist of:
decrease spending,
favor fixed costs and defer occasional expenses,
spread out the expenses in the month,
wait for suppliers by installments and request a deadline for the balance, etc.