The first was a typical budget, income, expenses etc. I had worked out what was meant to go into the bill paying account and then would track against that. So there was a seperate tab with columns for money going in, and the out goings, then balanced to the bill account. Worked well when income was fortnightly, but fell over when I started to be paid monthly. It just did not work to put $x aside each pay, I would often find myself having to dip into the bill account for food.
Moved to a cashflow sheet. So it contains starting bank balances, the incomings and outgoings, closing balances (all reconciled to each other) week by week. All the bills and possible expenses (clothing, medical, birthdays) are plotted out for the whole year.
That way I can see when we will be having tough weeks and when we start to get ahead. Each week, I compare it to the bank statement, adjust where needed (groceries may be $200 budget, but actual was $205.15). Make sure last weeks balance plus the movement equals the current balance. It is great seeing the effect over the balances for the whole year.
Also as it is week by week, it is a reminder to me of what is to be paid, so I can chase up bills or just make sure I don't get a late fee.
Yes, complicated, but it is really working well for us.
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