You may also want to track your current spending on one sheet with columns for different categories. Some individuals will list the budgeted amount in one column and then list the actual amount spent in the column next to it.
If you have Microsoft Excel, you can create budgeting spreadsheets to help you manage your money. Instead of buying expensive software that will only be used for your budget, spreadsheets can be used for a variety of tasks. If you don't have Excel, you can find free spreadsheet applications online in which to manage your budget.
You may want to create a workbook with multiple sheets for various aspects of your budget. You can have one sheet that keeps track of savings and investments and another sheet that lists your monthly bills.
Another advantage to using a spreadsheet application for your budget is that you won't have to access the Internet to access your budget. You will be able to view it or work on it wherever you are and if you typically work on a laptop computer and take it with you when you travel, this can be extremely beneficial. Using budgeting spreadsheets to manage your finances is an easy and affordable way to stay on top of your financial game.
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