Budget Smarter Budget Spreadsheet | Download | Personal Finance

Тәжірибелік нұсқаулар және стиль

Take the stress out of managing your money! This budget template is one of a kind. Most budgets make you do ALL the work and then only tell you where your money went. This budget template actually forecasts your finances as far out as 3 years. Just plug in your paychecks and fixed expenses once and watch it go to work! From there just make small adjustments as you go and add any other expenses that aren’t fixed. You’ll have answers to questions like “Will I have enough to pay my bills 3 months from now if I take this vacation now?” Up until now, all my videos have been tutorials on creating your own budget template. This is my first video that allows you to download the budget template!
Budget Smarter Template (Basic Version):
➡️ www.etsy.com/listing/12523785...
Extended Version (Dashboard included):
➡️ www.etsy.com/listing/12746215...
Free Build your own Version: (If you’d rather spend 1-2 hours building your own similar version )
➡️ • Budget Spreadsheet | G...
Key Features:
➤Clear instructions
➤instant download
➤Customizable expenses/income sources
➤No prior spreadsheet knowledge needed
➤Easy to use & Quick Setup
➤Automated tabs
➤Eliminate money stress
➤Make adjustments to spending or savings now based on what you see in the future!
➤Add variable expenses
➤Plan for expenses later on (i.e. plan for a holiday budget)
➤No expensive software required (Microsoft Excel)
Disclaimer:
➡️ I am not a financial advisor. This budget is meant to forecast - which is never exact. I’m not responsible for any bad financial decisions!

Пікірлер: 120

  • @lucasvanduyn9142
    @lucasvanduyn9142 Жыл бұрын

    do you have an excel version of this template

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Coming Wednesday!!!

  • @ShoRon36

    @ShoRon36

    Жыл бұрын

    @@whyworksmarternotharder I just purchased the Google Dashboard version, how do I get the Excel version (my preference)?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    @@ShoRon36 can you message me on the Etsy platform and We will work that out

  • @ShoRon36

    @ShoRon36

    Жыл бұрын

    @@whyworksmarternotharder can do, thanks.

  • @derekroderick3543

    @derekroderick3543

    6 ай бұрын

    how do you download the excell sheet?

  • @Bentakill
    @Bentakill Жыл бұрын

    Thank you so much for providing these templates for budgeting. I’m like most people and just spend haphazardly after every paycheck without knowing how much I am actually spending. Thank you seriously.

  • @ArtWeSewInLuvCreations
    @ArtWeSewInLuvCreations Жыл бұрын

    Thank you so much for creating this template! It is exactly what our household needed.

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    I’m so happy to hear this! Seriously! It’s why I do it!!

  • @meh0312
    @meh0312 Жыл бұрын

    I had seen your previous video and purchased the enhanced template. I was glad to see you had this video. This is perfect. I have been using a basic spreadsheet that did some of this on a rudimentary level. I wanted to step it up, and this template has almost everything on my wish list.

  • @stuntcat8714
    @stuntcat8714 Жыл бұрын

    Again, great videos. I have multiple businesses which I've been running for about 3 years by the seat of my pants. So I'm glad I found this. I just need to figure out how to make it work for my multiple variable income streams. But this gets me on my way. Thank you.

  • @Satao254
    @Satao254 Жыл бұрын

    Am glad you are back and thank you for making the template downloadable. Best budget template on KZread

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Thanks for the positive feedback!! Glad you like it!

  • @MARIASANTOS-nn3yj
    @MARIASANTOS-nn3yj Жыл бұрын

    when I watch excel budget template i just follow it , and watch over and over again , and it work for what I need..Thanks working like a Pro now

  • @OGChadney
    @OGChadney5 ай бұрын

    So excited for this! Just purchased your debt snowball and google sheet extended templates!!

  • @jdanpey
    @jdanpey Жыл бұрын

    Your ideas are so helpful and saved me having to spend $$$ on Quicken every year!!

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Love it!! Love hearing that!! Thanks for the feedback!

  • @TimMfillinIn
    @TimMfillinIn Жыл бұрын

    Done, been using the self build, glad to have this! Just purchased!

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Awesome! Thank you!

  • @Alex-B2357
    @Alex-B2357 Жыл бұрын

    Hello this budget tracker is phenomenal, thank you. I will be purchasing the file from your Etsy store to show my support. I realize this reads like I’m a robot but I’m a real person with a family and a W2 job. Thank you again.

  • @thedvguy
    @thedvguy Жыл бұрын

    This is a very good plan. I would add a clothing budget line item. It's something that you have to do periodically. It's good to budget fir it. Thanks! this was great!

  • @AudioBrainCleanse
    @AudioBrainCleanse Жыл бұрын

    NOOOO I loved making them with you!!!!

  • @the09websta1
    @the09websta15 ай бұрын

    Well done! Thank you.

  • @brokedownsuperman
    @brokedownsuperman6 ай бұрын

    Can’t wait to use this

  • @whyworksmarternotharder

    @whyworksmarternotharder

    6 ай бұрын

    So glad!

  • @garetholson4537
    @garetholson45374 ай бұрын

    Thank you so much this is going to help me out so much

  • @katl6426
    @katl64264 ай бұрын

    Thank you for a budget that actually allows for fortnightly income not monthly! All the ones I've seen only have monthly & it's very annoying as many expenses are also fortnightly to fit the income

  • @kaylacaldwell9480
    @kaylacaldwell94809 ай бұрын

    Absolutely amazing spreadsheet, thank you! One question: what do you do if a fixed expense or income changes?

  • @Padolas
    @Padolas Жыл бұрын

    Great work, I'm definitely gonna use this! Do you have a spreadsheet for multiple accounts, where I can transfer between accounts?

  • @stevew4079
    @stevew40792 жыл бұрын

    Oh wow; thank you!

  • @whyworksmarternotharder

    @whyworksmarternotharder

    2 жыл бұрын

    Thank you!!

  • @Aidastitches
    @Aidastitches6 ай бұрын

    Thank you!

  • @Drizz1717
    @Drizz1717 Жыл бұрын

    Interested. Can you do an overview video about the extended version.

  • @cook6052
    @cook6052 Жыл бұрын

    Do you have a plan to add .CSV files to import data from CC and Debit cards or have a suggestion that would add the column fields? I'm a retired financial advisor and love the format....great job!

  • @whyworksmarternotharder
    @whyworksmarternotharder2 жыл бұрын

    **Regarding Semi Monthly pay periods (1st and 15th). Semi monthly not currently an option. You could enter that income source 2 times. Once monthly on the first and once monthly on the 15th!!

  • @oupaswoodshop1325
    @oupaswoodshop1325 Жыл бұрын

    Excellent budget, definitely going to improve my spending 🙄

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Perfect!

  • @martinlund3093
    @martinlund3093 Жыл бұрын

    Great content and exactly what i need! But, i live in Denmark (Scandinavia) and have a different date format and currency. Also my setup is in danish. Will the free template guide with your formulas and different date format+currency? I know its easier to download the template, but i love the learning by doing it myself :)

  • @Fscmco
    @Fscmco Жыл бұрын

    I like something that uses Envelopes, electronic obviously. So I can deposit money into the various envelopes and withdraw when the expense comes due. In the mean time I accumulate the deposits until needed.

  • @juliuspresley9982
    @juliuspresley9982 Жыл бұрын

    For the fix income source should I put my net income or gross income?

  • @mohammedosman88
    @mohammedosman88 Жыл бұрын

    Thank you so much, I have just purchased the dashboard included one - I like the idea of the spreadsheet but as I mostly use credit and pay in full every month, I am not sure I can get a real feel of my balance in checking account - any suggestions?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    I do the same thing. I budget an estimated amount each month for my CC.

  • @annaisakiwi
    @annaisakiwi5 ай бұрын

    So love this! BUT... I need more income lines - any chance? PLEASE

  • @MatthewOchoa
    @MatthewOchoa Жыл бұрын

    Can I change the date of when I received my expected income/expenses in the adjusted to fix? Someitmes my paychecks come in a day or 2 different than my expected date.

  • @RegAU_4214
    @RegAU_4214 Жыл бұрын

    I live in Australia where the date format is dd/mm/yyyy. Is it easy to change the format in the template?

  • @ReneeThompson-mo4qj
    @ReneeThompson-mo4qj8 ай бұрын

    ❤ this video I would love a copy please.

  • @davidziaja
    @davidziaja6 ай бұрын

    Hi there! I love your budget spreadsheet, but once I get to row 38 on the template it stops getting picked up by the based budget tracker. Is there a correct way to add rows for more fixed expenses without compromising the formulas?

  • @Lauderdaleballaaaa
    @Lauderdaleballaaaa Жыл бұрын

    Is there a way to add more cells under "Fixed Expenses" on page "Fixed Categories Setup"? Apparently I have to many bills lol. Purchased the Pro version on Etsy

  • @MatthewOchoa

    @MatthewOchoa

    Жыл бұрын

    Not yet. From what I saw in some of his responses, you can add those in the Variable Expenses.

  • @stephenharris6769
    @stephenharris6769 Жыл бұрын

    I've been using the basic version for a while. I was wondering if there is a way to format the forecast so that it either creates a cell for todays date and jumps to it, or it jumps to the next payday. I'm just trying to prevent scrolling down and catching up to todays date range every time I open the document.

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    You could hide older cells or hit CTRL+F and then type todays date

  • @njuhmbunwe6701
    @njuhmbunwe67017 ай бұрын

    I will like to purchase. Please can you elaborated on the difference between the basic version and the extended? I will like to know my options to see that which best fits my needs . Thank you. Hopefully you see this message and respond.

  • @nickgamez7192
    @nickgamez7192 Жыл бұрын

    Thank you so much for making this template available for download. I am running into a wall though. I was able to get it, download it, and make a copy, but when I exit out of Sheets and go back in later, the budget doesn't show. Not does the original Sheet that I make a copy from. Am I doing something wrong on my end? Thank you!

  • @nickgamez7192

    @nickgamez7192

    Жыл бұрын

    nvm I figured it out Thank you

  • @peaceout1914
    @peaceout1914 Жыл бұрын

    Is there an option that can tell you where to pull money from for certain bills. Say I put in $300 earned, can it tell me to allocate certain amounts for specific bills? Not sure if I am explaining it right.

  • @HeidiB2018
    @HeidiB20186 ай бұрын

    Hello, how can I add more more rows in fixed category setup?

  • @arielonnis1
    @arielonnis12 жыл бұрын

    Great, but how do you calculate the monthly variable-debits because of inflation? The only fixed amount use to be salary

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    On the adjustments to fixed tab

  • @livinginsaccounty
    @livinginsaccounty2 жыл бұрын

    Awesome video. What’s the difference between the basic template & extended? It says “dashboard included” but what does that mean? In your video did you use the basic or extended sheet?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    2 жыл бұрын

    The video is the basic version. The extended has categories and a dashboard that lets you see your spending habits. Shows details about min,max,average balance, top expenses and income vs expense. Also can look at trends with any expense. Pretty cool actually. Categories are completely customizable too! I think it’s great value…but I might be a bit bias.

  • @livinginsaccounty

    @livinginsaccounty

    2 жыл бұрын

    @@whyworksmarternotharder does sound cool. Thank you for creating this.

  • @tibbakabugu6107
    @tibbakabugu6107 Жыл бұрын

    I bought this on Etsy and it has been extremely useful. I'm experiencing a problem with your Query Formula ($0 Based Budget Checking tab, Cell C3). It pulls all of the fixed expenses from the fixed categories set up, but only up to row 36; anything below that row isn't included (pulled) onto the $0 Based Budget Checking tab, giving me an incorrect running balance. Could you please share the formula that fetches up to at least Row 150 from the Fixed Categories Set up tab? I'm having difficulty and require assistance.

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    The formulas are in the background. Any additional fixed expenses would need to be added in the variable tab

  • @cassandraarmstrong6273
    @cassandraarmstrong6273 Жыл бұрын

    I have a drop-down for all 12 months for groceries, fuel, fast food, and misc shopping. How can I enter a different value for each month in a specific cell?

  • @alphonsogee
    @alphonsogee Жыл бұрын

    So, you mention in the beginning of the video about people asking if it could be downloaded. I was waiting for that info but didn't hear it. Did I miss that part? I would love to be able to just download it. Thanks!

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    There is a link in the description

  • @IreneBTV

    @IreneBTV

    Жыл бұрын

    @@whyworksmarternotharder I thought it's free

  • @turalgasimov5557
    @turalgasimov5557 Жыл бұрын

    Thanks for sharing this!!! Is it possible to change the currency?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Yes!! File, options, currency. It’s in the how to tab!

  • @Drizz1717
    @Drizz1717 Жыл бұрын

    I love the original budget, so what's different about this one?

  • @WagyuYeti
    @WagyuYeti Жыл бұрын

    I think I must be overlooking the info. What does the colors changing in the running balance column mean? What triggers the color changes?

  • @j.rootsthebarber
    @j.rootsthebarber Жыл бұрын

    Would be awesome if you made a tracker for self employed people in the service industry . I never go below making 4k a month usually 4-7k a month but still want to plan in a organized manner. Any tips ?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    I would estimate low and adjust as you go. Basically budget on the lower end

  • @drthimas85

    @drthimas85

    Жыл бұрын

    I had that same question but im just going to add in the adjustment part.

  • @PaulThacker-ro7bp
    @PaulThacker-ro7bp5 ай бұрын

    Hi Andrew, can you purchase the extended version in excel? Thanks Paul

  • @brenda9286
    @brenda9286 Жыл бұрын

    Glad your back... Do you have this in Excel?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Coming next!

  • @Drizz1717
    @Drizz1717 Жыл бұрын

    I have sinking funds that I put into savings account, then move to checking account when the time is right. How would you go about this?

  • @tuckercook6464
    @tuckercook64644 ай бұрын

    im not sure if you are going to see this but i purchased your budget and for some reason on the 0 based budget and the adjustment tab its starts at 1900-1918 then its transtions to the correct time is there a issue with the doc or can i fix it

  • @tuckercook6464

    @tuckercook6464

    4 ай бұрын

    that was my bad i forgot a date

  • @allendivine8725
    @allendivine8725 Жыл бұрын

    Your videos are awesome learned so much. Is there a way to keep track of debt and savings balances

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Coming soon!!

  • @allendivine8725

    @allendivine8725

    Жыл бұрын

    @@whyworksmarternotharder iF I wanterd to add a savings account to this. can I use the instructions from your previous video to do this ( will it work)

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    @@allendivine8725 should!!

  • @allendivine8725

    @allendivine8725

    Жыл бұрын

    Thanks

  • @mystique2183
    @mystique2183 Жыл бұрын

    Is there a way to add multiple checking and savings accounts have the spreadsheet calculate them separately? I have accounts for bills and spending (checking) and emergency and other (savings).

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    You could make multiple copies. One for each checking account. There is a way to add a savings account. kzread.info/dash/bejne/o5plwZaklKvfYKw.html

  • @mystique2183

    @mystique2183

    Жыл бұрын

    @@whyworksmarternotharder Thanks for the response! I'm looking forward to using the spreadsheet. I know it's going to be really helpful.

  • @danroberts5548
    @danroberts5548 Жыл бұрын

    Thanks for the Video. Where can i get it?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    There is a link in the description of the video!

  • @Christopherdiornguyen
    @Christopherdiornguyen Жыл бұрын

    I have a problem with the adjusted to fix tab. It starts with the year 1900 I don’t know how to fix it please help.

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    There’s a simple fix for that. I reached out to you on Etsy.

  • @mattschorr1666
    @mattschorr16663 ай бұрын

    Why does the Google Sheet version automatically update vs. the excel version which requires interaction from the user?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    3 ай бұрын

    Google sheets has query formula

  • @willarreola18
    @willarreola18 Жыл бұрын

    How to add more rows to fixed expenses?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Right now there is only 25. You can add them manually to the the variable expenses

  • @terrifouch8088
    @terrifouch80885 ай бұрын

    How do I obtain a copy of your Excel version of Budget Smarter Budget template?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    5 ай бұрын

    worksmarterstore.etsy.com/listing/1290604847

  • @Meocross

    @Meocross

    5 ай бұрын

    @@whyworksmarternotharder Please add this link to your description. I should buy this excel one as well, my parents are threatening to take away my $200 allowance if i don't take this budgeting seriously!

  • @yfjurado
    @yfjurado Жыл бұрын

    Good evening... I have a problem with the Budget Smarter_Extended Plan... when I enter the Fixed Categories Setup more than row 36, they are no longer correctly registered to be reviewed in the Adjustments to Fixed sheet... I downloaded it several times and it keeps failing. .. could you please help me to see what happens? thank you

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Because of all the background formulas, you can’t add additional expenses to set up page. You could add them manually to the variable expenses page.

  • @afiababy22
    @afiababy22 Жыл бұрын

    Could u please make an interactive dashboard Thank you

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    The extended version has one

  • @MindfulnessOne
    @MindfulnessOne Жыл бұрын

    I'm a full-time doordash driver and I take my pay daily. Is there a way to make a daily income?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    You would add it to the variable sheet

  • @Meocross
    @Meocross Жыл бұрын

    I can now budget for my anime and makeup without looking like a complete fool. Do you know how often i run out of grocery money? Or am too afraid to ask my parents for extra money because i didn't do a looong budget list on pen and paper?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Love it! Made my day

  • @rollingthunder4599
    @rollingthunder45992 жыл бұрын

    What is the yellow and orange? I could guess, but I want to be sure I'm right

  • @whyworksmarternotharder

    @whyworksmarternotharder

    2 жыл бұрын

    Conditional formatting. Basically let’s you know when your balance might be getting low

  • @whyworksmarternotharder

    @whyworksmarternotharder

    2 жыл бұрын

    Great question

  • @oupaswoodshop1325
    @oupaswoodshop1325 Жыл бұрын

    Why is this excel sheet so sluggish after completion? is there something we could change to speed it up? How could we limit the month and balance displays to show only the actual transactions?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    I think you are talking about another budget video. This one is in Google sheets. It won’t be sluggish.

  • @user-bs3fe6jk3v
    @user-bs3fe6jk3v Жыл бұрын

    How can I change currency on that sheet?

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    support.google.com/a/users/answer/9308758?hl=en

  • @lilredrenethompson76
    @lilredrenethompson762 жыл бұрын

    Do you have any free ones.

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    Yes you can build your own. Link in description 😏

  • @Kolossvs
    @Kolossvs Жыл бұрын

    Google Spreadsheets Noob question: I'm trying to add more rows at the bottom of the Fixed Expenses area so I can add more items. However, any data I enter is not showing up in the $0 Based Budget_Checking tab - what am I doing wrong? Thanks

  • @whyworksmarternotharder

    @whyworksmarternotharder

    Жыл бұрын

    There is a lot of background formulas. So adding more won’t work. You could add them manually in the variable space. I plan on updating with more expenses down the road

  • @rollingthunder4599
    @rollingthunder4599 Жыл бұрын

    Why do I have to go through all these steps? Because I want to learn how to do this.

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