reddit household budget google sheets form

#REDDIT HOUSEHOLD BUDGET GOOGLE SHEETS FORM PLUS#

'We recently had some emergencies come up and I was able to comfortably afford everything without fearing that suddenly I would be left with nothing,' Celes said. Over the last four years, she built a $10,000 savings cushion. 'I realized that I wanted the savings to be kind of like an expense, so I added it in a weird way so it would almost hide my savings from me. The spreadsheet includes a separate tab for factoring in big-ticket items. At the very top of the spreadsheet: how much you have left to spend for the day, week, or month.

#REDDIT HOUSEHOLD BUDGET GOOGLE SHEETS FORM PLUS#

There are separate calculators for big-ticket purchases and regular savings, plus a goal tracker to log savings progress and setbacks. Savings takes center stage in the current budget template, which Celes shared on the r/personalfinance Reddit channel, a community with 14.6 million members, in May. 'I kind of realized that I needed to be more responsible with how I was working on the spreadsheet and adding things to it and making sure to kind of keep that initial goal of keeping it simple, but also taking the time to help teach people responsible financial practices.' A better budget led to more savings and less anxiety 'One of the things that I really wanted to focus on when I was making it was it for someone who didn't know anything about money,' she said. There wasn't a section in the budget for credit-card payments or savings for big purchases, but as Celes expanded her financial knowledge, she enhanced the spreadsheet, too. She shared the first iteration of her spreadsheet on Reddit three years ago.

There's a daily 'spendable' amount at the top of the budget that's customizable.

Reddit household budget google sheets form