It was easier for me to just keep it simple. I just made one in excel. I made a list of all my fixed payments, then added for food and gas etc. I put on one side... the target budget, then on the other side... the accual expense for that target. My budget doesn't figure in clothing and other as you go type expenses, I just put them in misc. My budget does account for yearly expenses as well, to be held out for later payment, such as property tax and ins. I pay these separate from my house payment because...I shop each year for cheaper ins. Some people don't keep track of that and get burned.
Basically, pencil & paper it, then convert it to a spread sheet(which is real easy if I can do it). Following a cookie cutter budget sheet can be confusing, I like things simple. Good luck.
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