Create and Stay On A Budget in 2022
Depending on what medium you are reading, statistics show that approximately 1 in 3 adult Americans actually uses a budget. In other words, only 33% of people who spend 40 hours a week making money – spend at least an hour managing it!
How to create a budget that works:
From designing it on Excel or just doing it on a piece of paper, I have to control the process of actually making a budget. That being said you might not be as compulsive as I so here are the steps to making your budget.
1. Create a budget with Google Sheets
If you want a free budget template that is in Excel format and can be uploaded to Google Sheets simply use my free download.
2. Figure out your income.
Start your personal budget sheet with a column for income, net income per month, and the date paid. Later on, in creating your budget, the fixed expenses and variable expenses are really going to be based on your income.
3. Fixed Expenses within your budget
When creating your budget, start with your fixed expenses. Make sure to include fixed expenses like housing, transportation costs, utilities, insurance, and cell phone bills.
4. Variable Expenses
Variable expenses within your budget are not fixed, they are liable to change which means you can be the one who decides when and how that change occurs.
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