You can keep the budget planner tidy by “hiding” columns and sheets for the coming months in Excel. I've put some example numbers in for the December spreadsheet so you can see how it works. It takes all of five minutes to put in several days worth of purchases. I keep all of my receipts in my back left pocket, and each night (or every few nights), I put them all on the sheet. If I give $20 to a friend, I just write it on the back of a receipt I already have. Everything I buy gets a receipt and I keep track of it. Track your daily expenses on the monthly pages. Your budget might include a line for retirement accounts. My company takes parking directly from my paycheck before taxes and offers a computer purchase plan that removes money from my paycheck as well. This includes insurance and other company benefits. Section one contains all of your pre-tax deductions. This budget planning worksheet is divided into four sections. As you earn and spend money, note it on the appropriate line.
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