Track your spending using a simple Excel spreadsheet, choose from a list of comprehensive expense categories, and personalize things by renaming any category to make tracking easier.
Easy Instructions If You Download the Printable PDF
- Open a copy of our Monthly Expense Tracker.
- The expense categories listed below and on page 1 of the Expense Tracker will help you decide which expenses to record where.
- For each week, record dates you are tracking. For example, a 7 day tracking period would be March 30th to April 5th. The next week would start on April 6th.
- Record cash balances on hand or in your bank account. You should also list any income you may expect to receive during each week.
- List the dates down the left side and record actual money spent each day. You can then use the blank columns to create your own categories. You may want to track coffees, dining out, or fuel separately.
- You also need to record weekly savings amounts on pages 14 – 15 of the Expense Tracker. On these pages, keep track of seasonal expenses rather than recording on your weekly pages.
- Total all columns and subtract actual expenses from actual income. If there’s a surplus, you should have money in your wallet or bank account. This becomes the cash balance for the next week.
View a sample of a completed tracker (from the previous version of our Monthly Expenses Tracker).
Make a Budget Planner
It isn’t realistic to think that you’ll track your spending forever. Even tracking your spending for a month is great and you can use what you learned to improve your monthly budget.
For example, if you know from tracking your expenses that you’re spending more than you thought you were on eating out, then you can focus on cutting down that activity to get your budget to where you want it to be.
Life can be unpredictable, so if your circumstances do change, go back to tracking for another few weeks to get your spending in line with your new level of expenses or income.
Personal Household Expense Tracking ToolTo make budgeting easier and more fun, we’ve created a budget calculator that guides you as you create your personal or household budget. This budget calculator makes suggestions and warns you if it looks like you may be spending too much money in any area of your budget. Once you’re finished, it can review your budget and see if it can find any ways for your to improve your spending plan or save some money. Check it out for free on PC and Mac through Excel, Numbers, or OpenOffice.
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