Dear Visitor, I'd like to take this opportunity to say "Thanks very much!" for visiting It's Your Money! and for downloading this financial spreadsheet. (Feel free to try out all my others, too!) I truly hope that the spreadsheets and tools I've made available there can help you as much as they've helped me. I’m going to go out on a limb here. I'll guess that since you've downloaded and opened this spreadsheet, that little voice inside your head is urging you to take action (somehow!) to improve your financial situation. I know all about that voice. I spent way too many years ignoring it! That said, I am being entirely honest when I say that the single most effective thing I ever did for my family's finances was to start planning our spending on a monthly basis. You can call it "budgeting" if you want, but "budgeting" doesn't sound the least bit fun. Play your cards right, and let your computer and its software help you, and you can actually make your "budgeting" fun. That's where "You Need A Budget PRO" software comes in. I've seen a lot of budgeting programs over the years, and this one beats 'em all . . . handily. (Personally, I couldn't build anything nearly so cool.) I mention this only because I know the power of a good spending plan ("budget"), and YNAB Pro is about as good as it gets. If you'd like to know more, just click the YNAB icon below to read my review. Once more, thanks very much for stopping by!
Michael @ It's Your Money!
Dear Visitor, I'd like to take this opportunity to say "Thanks very much!" for visiting It's Your Money! and for downloading this financial spreadsheet. (Feel free to try out all my others, too!) I truly hope that the spreadsheets and tools I've made available there can help you as much as they've helped me. I’m going to go out on a limb here. I'll guess that since you've downloaded and opened this spreadsheet, that little voice inside your head is urging you to take action (somehow!) to improve your financial situation. I know all about that voice. I spent way too many years ignoring it! That said, I am being entirely honest when I say that the single most effective thing I ever did for my family's finances was to start planning our spending on a monthly basis. You can call it "budgeting" if you want, but "budgeting" doesn't sound the least bit fun. Play your cards right, and let your computer and its software help you, and you can actually make your "budgeting" fun. That's where "You Need A Budget PRO" software comes in. I've seen a lot of budgeting programs over the years, and this one beats 'em all . . . handily. (Personally, I couldn't build anything nearly so cool.) I mention this only because I know the power of a good spending plan ("budget"), and YNAB Pro is about as good as it gets. If you'd like to know more, just click the YNAB icon below to read my review. Once more, thanks very much for stopping by!
Michael @ It's Your Money!
Go to Spreadsheet WEB PAGE CHECK # or TYPE 2350 2351 ATM 2352 TXFR 2353 TXFR
"Envelopes" Check Register
MEMO
ENVELOPE BALANCES
DATE 11/1/2007 11/3/2007 11/5/2007 11/6/2007 11/10/2007 11/12/2007 11/13/2007 11/15/2007 11/17/2007
PAYEE Opening Balance ABC Visa Wal-Mart ATM Withdrawal Steve's Paycheck Conoco Xfer from Savings Chase Auto Finance Envelope Xfer
TRANSACTION AMOUNT ($132.00) ($153.27) ($25.00) $418.00 ($33.80) $100.00 ($257.40) $0.00 $ $ $ $ $ $ $ $ $
ACCOUNT BALANCE 1,765.70 1,633.70 1,480.43 1,455.43 1,873.43 1,839.63 1,939.63 1,682.23 1,682.23
$148.70
$270.47
$13.16
$130.00
$468.20
$402.00
$158.70
$61.00
A
D D t bt eb
o o ut
H
ym ym P Pa
s es ns pe Ex
ce r ro G
$175.00 ($132.00) ($74.30) $100.00 $80.00
l ho se ou
Pe na so rs
C th ot lo
iiv G
H s se ou ou
s ts en
s riie
g ng in
g iin
$357.60 ($12.13) $25.00
($100.00)
d
$50.00 ($66.84) $10.00
$20.00
l
$80.00
$433.20
$302.00
$78.70
$264.20
$50.00
$35.00
$100.00
$80.00
$88.00 ($33.80) ($257.40)
$30.00
D
($25.00) $30.00
ng nii in
$25.00
ut ut O
Go to Spreadsheet WEB PAGE CHECK # or TYPE
"Envelopes" Check Register
MEMO
ENVELOPE BALANCES
DATE 11/1/2007
PAYEE Opening Balance
TRANSACTION AMOUNT $
ACCOUNT BALANCE -