Best Household Budget Log

I created this "Best Household Budget Log" after years of not really knowing where all the money was going. If you don't get into the habit of writing down your expenditures you will suffer with credit card debt. It is painful not having enough money to pay your bill at the end of the month. You will become addicted to robbing Peter to pay Paul.Several tools are helpful for constructing a personal budget. Regardless of the tool used, a budget's accuracy is only as good as the accuracy...
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I created this "Best Household Budget Log" after years of not really knowing where all the money was going. If you don't get into the habit of writing down your expenditures you will suffer with credit card debt. It is painful not having enough money to pay your bill at the end of the month. You will become addicted to robbing Peter to pay Paul.Several tools are helpful for constructing a personal budget. Regardless of the tool used, a budget's accuracy is only as good as the accuracy of the updated budget data; an old budget that does not reflect actual income or expenses is of little use to a current budget. Computer generated budgets have become commonly used as they replace the need to rewrite and recalculate the budget every time there is a change.A simpler budget tool, such as my "Best Household Budget Log" can be written with a pencil, and optionally, a calculator. Your budgets can be organized by filling in the blanks. It is just as simple as that.Spreadsheet software, including Microsoft Excel, iWork Numbers or OpenOffice.org Calc, help to arrange budgets according to need and performs calculations easily with rudimentary formulas. For example, budget spreadsheets are used to keep track of income and expenses. The major reason most people discontinue using budget spreadsheets that don't offer date-shifting is that the information needs to be reentered or moved at the end of each month. Spreadsheets are still excellent for complex budgets and planning.You can buy software or subscribe to online budgeting programs, but it costs money, requires sitting at the computer, and is usually more complicated than necessary.What Can You Achieve by buying "Best Household Budget Log" ?Besides seeing in clear daylight where each dollar is going, you'll be able see the big picture which will help you arrive at your saving philosophy.  Here are just a few of the benefits of keeping a daily budget:Incidental spending or blow off small expenses is not so easy to "forget" when you know you'll have to suffer the consequences, not seeing where the money is going. Every Dollar Counts. Accountability & Teamwork with a cooperating family adds to the bottom line.Avoid being a spendthrift and be wise when spending money.Do comparison shopping, name brand isn't necessary the best option.If possible always buy only what you really use.Thank you,Therlee Gipson