I understand managing your monthly expenses, preparing for life’s unpredictable events, and being able to afford big-ticket items without going into debt, is important which is why budgeting is paramount. Keeping track of how much you earn and spend doesn’t have to be a headache and doesn’t mean you can’t buy the things you want. It just means that you’ll know where your money goes, you’ll have greater control over your finances. Using budgeting tools or apps are good. But if you are like me even excel spreadsheet work great especially when you don’t feel comfortable sharing all of your financial information in app or online. I have developed a excel spreadsheet to help. Contact me for a copy today!