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Budget Smarter Budget Spreadsheet | Download | Personal Finance 

Work Smarter Not Harder
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Take the stress out of managing your money! This budget template is one of a kind. Most budgets make you do ALL the work and then only tell you where your money went. This budget template actually forecasts your finances as far out as 3 years. Just plug in your paychecks and fixed expenses once and watch it go to work! From there just make small adjustments as you go and add any other expenses that aren’t fixed. You’ll have answers to questions like “Will I have enough to pay my bills 3 months from now if I take this vacation now?” Up until now, all my videos have been tutorials on creating your own budget template. This is my first video that allows you to download the budget template!
Budget Smarter Template (Basic Version):
➡️ www.etsy.com/listing/12523785...
Extended Version (Dashboard included):
➡️ www.etsy.com/listing/12746215...
Free Build your own Version: (If you’d rather spend 1-2 hours building your own similar version )
➡️ • Budget Spreadsheet | G...
Key Features:
➤Clear instructions
➤instant download
➤Customizable expenses/income sources
➤No prior spreadsheet knowledge needed
➤Easy to use & Quick Setup
➤Automated tabs
➤Eliminate money stress
➤Make adjustments to spending or savings now based on what you see in the future!
➤Add variable expenses
➤Plan for expenses later on (i.e. plan for a holiday budget)
➤No expensive software required (Microsoft Excel)
Disclaimer:
➡️ I am not a financial advisor. This budget is meant to forecast - which is never exact. I’m not responsible for any bad financial decisions!

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2 авг 2022

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Комментарии : 120   
@lucasvanduyn9142
@lucasvanduyn9142 Год назад
do you have an excel version of this template
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Coming Wednesday!!!
@ShoRon36
@ShoRon36 Год назад
@@whyworksmarternotharder I just purchased the Google Dashboard version, how do I get the Excel version (my preference)?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
@@ShoRon36 can you message me on the Etsy platform and We will work that out
@ShoRon36
@ShoRon36 Год назад
@@whyworksmarternotharder can do, thanks.
@derekroderick3543
@derekroderick3543 6 месяцев назад
how do you download the excell sheet?
@Bentakill
@Bentakill Год назад
Thank you so much for providing these templates for budgeting. I’m like most people and just spend haphazardly after every paycheck without knowing how much I am actually spending. Thank you seriously.
@ArtWeSewInLuvCreations
@ArtWeSewInLuvCreations Год назад
Thank you so much for creating this template! It is exactly what our household needed.
@whyworksmarternotharder
@whyworksmarternotharder Год назад
I’m so happy to hear this! Seriously! It’s why I do it!!
@meh0312
@meh0312 Год назад
I had seen your previous video and purchased the enhanced template. I was glad to see you had this video. This is perfect. I have been using a basic spreadsheet that did some of this on a rudimentary level. I wanted to step it up, and this template has almost everything on my wish list.
@stuntcat8714
@stuntcat8714 Год назад
Again, great videos. I have multiple businesses which I've been running for about 3 years by the seat of my pants. So I'm glad I found this. I just need to figure out how to make it work for my multiple variable income streams. But this gets me on my way. Thank you.
@Satao254
@Satao254 Год назад
Am glad you are back and thank you for making the template downloadable. Best budget template on RU-vid
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Thanks for the positive feedback!! Glad you like it!
@MARIASANTOS-nn3yj
@MARIASANTOS-nn3yj Год назад
when I watch excel budget template i just follow it , and watch over and over again , and it work for what I need..Thanks working like a Pro now
@OGChadney
@OGChadney 5 месяцев назад
So excited for this! Just purchased your debt snowball and google sheet extended templates!!
@jdanpey
@jdanpey Год назад
Your ideas are so helpful and saved me having to spend $$$ on Quicken every year!!
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Love it!! Love hearing that!! Thanks for the feedback!
@TimMfillinIn
@TimMfillinIn Год назад
Done, been using the self build, glad to have this! Just purchased!
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Awesome! Thank you!
@Alex-B2357
@Alex-B2357 Год назад
Hello this budget tracker is phenomenal, thank you. I will be purchasing the file from your Etsy store to show my support. I realize this reads like I’m a robot but I’m a real person with a family and a W2 job. Thank you again.
@thedvguy
@thedvguy Год назад
This is a very good plan. I would add a clothing budget line item. It's something that you have to do periodically. It's good to budget fir it. Thanks! this was great!
@AudioBrainCleanse
@AudioBrainCleanse Год назад
NOOOO I loved making them with you!!!!
@the09websta1
@the09websta1 5 месяцев назад
Well done! Thank you.
@brokedownsuperman
@brokedownsuperman 6 месяцев назад
Can’t wait to use this
@whyworksmarternotharder
@whyworksmarternotharder 6 месяцев назад
So glad!
@garetholson4537
@garetholson4537 4 месяца назад
Thank you so much this is going to help me out so much
@katl6426
@katl6426 4 месяца назад
Thank you for a budget that actually allows for fortnightly income not monthly! All the ones I've seen only have monthly & it's very annoying as many expenses are also fortnightly to fit the income
@kaylacaldwell9480
@kaylacaldwell9480 9 месяцев назад
Absolutely amazing spreadsheet, thank you! One question: what do you do if a fixed expense or income changes?
@Padolas
@Padolas Год назад
Great work, I'm definitely gonna use this! Do you have a spreadsheet for multiple accounts, where I can transfer between accounts?
@stevew4079
@stevew4079 2 года назад
Oh wow; thank you!
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
Thank you!!
@Aidastitches
@Aidastitches 6 месяцев назад
Thank you!
@Drizz1717
@Drizz1717 Год назад
Interested. Can you do an overview video about the extended version.
@cook6052
@cook6052 Год назад
Do you have a plan to add .CSV files to import data from CC and Debit cards or have a suggestion that would add the column fields? I'm a retired financial advisor and love the format....great job!
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
**Regarding Semi Monthly pay periods (1st and 15th). Semi monthly not currently an option. You could enter that income source 2 times. Once monthly on the first and once monthly on the 15th!!
@oupaswoodshop1325
@oupaswoodshop1325 Год назад
Excellent budget, definitely going to improve my spending 🙄
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Perfect!
@martinlund3093
@martinlund3093 Год назад
Great content and exactly what i need! But, i live in Denmark (Scandinavia) and have a different date format and currency. Also my setup is in danish. Will the free template guide with your formulas and different date format+currency? I know its easier to download the template, but i love the learning by doing it myself :)
@Fscmco
@Fscmco Год назад
I like something that uses Envelopes, electronic obviously. So I can deposit money into the various envelopes and withdraw when the expense comes due. In the mean time I accumulate the deposits until needed.
@juliuspresley9982
@juliuspresley9982 Год назад
For the fix income source should I put my net income or gross income?
@mohammedosman88
@mohammedosman88 Год назад
Thank you so much, I have just purchased the dashboard included one - I like the idea of the spreadsheet but as I mostly use credit and pay in full every month, I am not sure I can get a real feel of my balance in checking account - any suggestions?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
I do the same thing. I budget an estimated amount each month for my CC.
@annaisakiwi
@annaisakiwi 5 месяцев назад
So love this! BUT... I need more income lines - any chance? PLEASE
@MatthewOchoa
@MatthewOchoa Год назад
Can I change the date of when I received my expected income/expenses in the adjusted to fix? Someitmes my paychecks come in a day or 2 different than my expected date.
@RegAU_4214
@RegAU_4214 Год назад
I live in Australia where the date format is dd/mm/yyyy. Is it easy to change the format in the template?
@ReneeThompson-mo4qj
@ReneeThompson-mo4qj 8 месяцев назад
❤ this video I would love a copy please.
@davidziaja
@davidziaja 6 месяцев назад
Hi there! I love your budget spreadsheet, but once I get to row 38 on the template it stops getting picked up by the based budget tracker. Is there a correct way to add rows for more fixed expenses without compromising the formulas?
@Lauderdaleballaaaa
@Lauderdaleballaaaa Год назад
Is there a way to add more cells under "Fixed Expenses" on page "Fixed Categories Setup"? Apparently I have to many bills lol. Purchased the Pro version on Etsy
@MatthewOchoa
@MatthewOchoa Год назад
Not yet. From what I saw in some of his responses, you can add those in the Variable Expenses.
@stephenharris6769
@stephenharris6769 Год назад
I've been using the basic version for a while. I was wondering if there is a way to format the forecast so that it either creates a cell for todays date and jumps to it, or it jumps to the next payday. I'm just trying to prevent scrolling down and catching up to todays date range every time I open the document.
@whyworksmarternotharder
@whyworksmarternotharder Год назад
You could hide older cells or hit CTRL+F and then type todays date
@njuhmbunwe6701
@njuhmbunwe6701 7 месяцев назад
I will like to purchase. Please can you elaborated on the difference between the basic version and the extended? I will like to know my options to see that which best fits my needs . Thank you. Hopefully you see this message and respond.
@nickgamez7192
@nickgamez7192 Год назад
Thank you so much for making this template available for download. I am running into a wall though. I was able to get it, download it, and make a copy, but when I exit out of Sheets and go back in later, the budget doesn't show. Not does the original Sheet that I make a copy from. Am I doing something wrong on my end? Thank you!
@nickgamez7192
@nickgamez7192 Год назад
nvm I figured it out Thank you
@peaceout1914
@peaceout1914 Год назад
Is there an option that can tell you where to pull money from for certain bills. Say I put in $300 earned, can it tell me to allocate certain amounts for specific bills? Not sure if I am explaining it right.
@HeidiB2018
@HeidiB2018 6 месяцев назад
Hello, how can I add more more rows in fixed category setup?
@arielonnis1
@arielonnis1 2 года назад
Great, but how do you calculate the monthly variable-debits because of inflation? The only fixed amount use to be salary
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
On the adjustments to fixed tab
@livinginsaccounty
@livinginsaccounty 2 года назад
Awesome video. What’s the difference between the basic template & extended? It says “dashboard included” but what does that mean? In your video did you use the basic or extended sheet?
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
The video is the basic version. The extended has categories and a dashboard that lets you see your spending habits. Shows details about min,max,average balance, top expenses and income vs expense. Also can look at trends with any expense. Pretty cool actually. Categories are completely customizable too! I think it’s great value…but I might be a bit bias.
@livinginsaccounty
@livinginsaccounty 2 года назад
@@whyworksmarternotharder does sound cool. Thank you for creating this.
@tibbakabugu6107
@tibbakabugu6107 Год назад
I bought this on Etsy and it has been extremely useful. I'm experiencing a problem with your Query Formula ($0 Based Budget Checking tab, Cell C3). It pulls all of the fixed expenses from the fixed categories set up, but only up to row 36; anything below that row isn't included (pulled) onto the $0 Based Budget Checking tab, giving me an incorrect running balance. Could you please share the formula that fetches up to at least Row 150 from the Fixed Categories Set up tab? I'm having difficulty and require assistance.
@whyworksmarternotharder
@whyworksmarternotharder Год назад
The formulas are in the background. Any additional fixed expenses would need to be added in the variable tab
@cassandraarmstrong6273
@cassandraarmstrong6273 Год назад
I have a drop-down for all 12 months for groceries, fuel, fast food, and misc shopping. How can I enter a different value for each month in a specific cell?
@alphonsogee
@alphonsogee 2 года назад
So, you mention in the beginning of the video about people asking if it could be downloaded. I was waiting for that info but didn't hear it. Did I miss that part? I would love to be able to just download it. Thanks!
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
There is a link in the description
@IreneBTV
@IreneBTV Год назад
@@whyworksmarternotharder I thought it's free
@Drizz1717
@Drizz1717 Год назад
I love the original budget, so what's different about this one?
@turalgasimov5557
@turalgasimov5557 2 года назад
Thanks for sharing this!!! Is it possible to change the currency?
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
Yes!! File, options, currency. It’s in the how to tab!
@WagyuYeti
@WagyuYeti Год назад
I think I must be overlooking the info. What does the colors changing in the running balance column mean? What triggers the color changes?
@PaulThacker-ro7bp
@PaulThacker-ro7bp 5 месяцев назад
Hi Andrew, can you purchase the extended version in excel? Thanks Paul
@j.rootsthebarber
@j.rootsthebarber Год назад
Would be awesome if you made a tracker for self employed people in the service industry . I never go below making 4k a month usually 4-7k a month but still want to plan in a organized manner. Any tips ?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
I would estimate low and adjust as you go. Basically budget on the lower end
@drthimas85
@drthimas85 Год назад
I had that same question but im just going to add in the adjustment part.
@Drizz1717
@Drizz1717 Год назад
I have sinking funds that I put into savings account, then move to checking account when the time is right. How would you go about this?
@brenda9286
@brenda9286 2 года назад
Glad your back... Do you have this in Excel?
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
Coming next!
@tuckercook6464
@tuckercook6464 4 месяца назад
im not sure if you are going to see this but i purchased your budget and for some reason on the 0 based budget and the adjustment tab its starts at 1900-1918 then its transtions to the correct time is there a issue with the doc or can i fix it
@tuckercook6464
@tuckercook6464 4 месяца назад
that was my bad i forgot a date
@allendivine8725
@allendivine8725 Год назад
Your videos are awesome learned so much. Is there a way to keep track of debt and savings balances
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Coming soon!!
@allendivine8725
@allendivine8725 Год назад
@@whyworksmarternotharder iF I wanterd to add a savings account to this. can I use the instructions from your previous video to do this ( will it work)
@whyworksmarternotharder
@whyworksmarternotharder Год назад
@@allendivine8725 should!!
@allendivine8725
@allendivine8725 Год назад
Thanks
@mystique2183
@mystique2183 Год назад
Is there a way to add multiple checking and savings accounts have the spreadsheet calculate them separately? I have accounts for bills and spending (checking) and emergency and other (savings).
@whyworksmarternotharder
@whyworksmarternotharder Год назад
You could make multiple copies. One for each checking account. There is a way to add a savings account. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-qf1_4kdHy0I.html
@mystique2183
@mystique2183 Год назад
@@whyworksmarternotharder Thanks for the response! I'm looking forward to using the spreadsheet. I know it's going to be really helpful.
@danroberts5548
@danroberts5548 Год назад
Thanks for the Video. Where can i get it?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
There is a link in the description of the video!
@Christopherdiornguyen
@Christopherdiornguyen Год назад
I have a problem with the adjusted to fix tab. It starts with the year 1900 I don’t know how to fix it please help.
@whyworksmarternotharder
@whyworksmarternotharder Год назад
There’s a simple fix for that. I reached out to you on Etsy.
@mattschorr1666
@mattschorr1666 3 месяца назад
Why does the Google Sheet version automatically update vs. the excel version which requires interaction from the user?
@whyworksmarternotharder
@whyworksmarternotharder 3 месяца назад
Google sheets has query formula
@willarreola18
@willarreola18 Год назад
How to add more rows to fixed expenses?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Right now there is only 25. You can add them manually to the the variable expenses
@terrifouch8088
@terrifouch8088 5 месяцев назад
How do I obtain a copy of your Excel version of Budget Smarter Budget template?
@whyworksmarternotharder
@whyworksmarternotharder 5 месяцев назад
worksmarterstore.etsy.com/listing/1290604847
@Meocross
@Meocross 5 месяцев назад
@@whyworksmarternotharder Please add this link to your description. I should buy this excel one as well, my parents are threatening to take away my $200 allowance if i don't take this budgeting seriously!
@yfjurado
@yfjurado Год назад
Good evening... I have a problem with the Budget Smarter_Extended Plan... when I enter the Fixed Categories Setup more than row 36, they are no longer correctly registered to be reviewed in the Adjustments to Fixed sheet... I downloaded it several times and it keeps failing. .. could you please help me to see what happens? thank you
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Because of all the background formulas, you can’t add additional expenses to set up page. You could add them manually to the variable expenses page.
@afiababy22
@afiababy22 Год назад
Could u please make an interactive dashboard Thank you
@whyworksmarternotharder
@whyworksmarternotharder Год назад
The extended version has one
@MindfulnessOne
@MindfulnessOne Год назад
I'm a full-time doordash driver and I take my pay daily. Is there a way to make a daily income?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
You would add it to the variable sheet
@Meocross
@Meocross Год назад
I can now budget for my anime and makeup without looking like a complete fool. Do you know how often i run out of grocery money? Or am too afraid to ask my parents for extra money because i didn't do a looong budget list on pen and paper?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
Love it! Made my day
@rollingthunder4599
@rollingthunder4599 2 года назад
What is the yellow and orange? I could guess, but I want to be sure I'm right
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
Conditional formatting. Basically let’s you know when your balance might be getting low
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
Great question
@oupaswoodshop1325
@oupaswoodshop1325 Год назад
Why is this excel sheet so sluggish after completion? is there something we could change to speed it up? How could we limit the month and balance displays to show only the actual transactions?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
I think you are talking about another budget video. This one is in Google sheets. It won’t be sluggish.
@user-bs3fe6jk3v
@user-bs3fe6jk3v Год назад
How can I change currency on that sheet?
@whyworksmarternotharder
@whyworksmarternotharder Год назад
support.google.com/a/users/answer/9308758?hl=en
@lilredrenethompson76
@lilredrenethompson76 2 года назад
Do you have any free ones.
@whyworksmarternotharder
@whyworksmarternotharder 2 года назад
Yes you can build your own. Link in description 😏
@Kolossvs
@Kolossvs Год назад
Google Spreadsheets Noob question: I'm trying to add more rows at the bottom of the Fixed Expenses area so I can add more items. However, any data I enter is not showing up in the $0 Based Budget_Checking tab - what am I doing wrong? Thanks
@whyworksmarternotharder
@whyworksmarternotharder Год назад
There is a lot of background formulas. So adding more won’t work. You could add them manually in the variable space. I plan on updating with more expenses down the road
@rollingthunder4599
@rollingthunder4599 Год назад
Why do I have to go through all these steps? Because I want to learn how to do this.
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