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EXCEL BUDGET SPREADSHEET DAVE RAMSEY MANUAL
EXCEL BUDGET SPREADSHEET DAVE RAMSEY FULL
EXCEL BUDGET SPREADSHEET DAVE RAMSEY PRO

Monthly history so I can look back and compare spending for each month.

Define my own categories and track by category.

Preferably seamlessly integrated, but I’d be okay with downloading and importing.

Ability to import transactions from the bank.

Ability to allocate budget per paycheck, in my case every 2 weeks.

I decided to write down my requirements for a software package and post them out on the Get Rich Slowly forums and get some input from others on what would work for me. After some careful consideration, I’ve decided to not use YNAB for now for this reason, but return to using it once I can live off my previous months earnings. Absolutely a great way to budget and live however for me, that would take a fairly long time to save up and I wouldn’t be throwing anything except minimums at my debt snowball. YNAB follows the principles of The YNAB Way, which advocates living off of money earned from the previous month. In fairness to YNAB, it lacks this capability for a very good reason.

EXCEL BUDGET SPREADSHEET DAVE RAMSEY PRO

The one main feature that YNAB Pro lacked for me, was the ability to set a budget for each paycheck. If you don’t like it or you find it tedious, you won’t use it and in turn probably will stop budgeting. One of the most important criteria your budget solution must meet is that it should work for you. Which brings to me to a very important point. In fact, all of the software I tried was great, but not what I needed. I used YNAB Pro for 2 months, and while it is a great piece of software, it just wasn’t exactly what I needed.

EXCEL BUDGET SPREADSHEET DAVE RAMSEY FULL

I tried PearBudget’s spreadsheet, PearBudget online (you can read a review of it over at The Simple Dollar), Mvelopes, Mint, and finally YNAB Pro which I wrote a full review off. I began scouring the internet looking for various budget software packages and trying them. The spreadsheet worked fine, but I wanted a better solution. To resolve this, we set a budget for each paycheck. Since I get paid every two weeks from my full-time job, every so often we would overspend a little in the first paycheck, and be short in the second. We also started managing our budget at a per paycheck level, rather than monthly.

My second version was a little better, and allowed entry of transactions, but I still had to manually categorize them. I also didn’t care for the way I showed all of the months together on one spreadsheet.

EXCEL BUDGET SPREADSHEET DAVE RAMSEY MANUAL

As I began to learn more about budgeting and managing our finances, I began to enhance the spreadsheet a little, but it was still very manual and fairly tedious. It provided no automation, and no details on transactions, but it worked. It was a very simple Excel spreadsheet that basically contained a list of our income and expenses. The budget spreadsheet followed the principles set by Dave Ramsey in that it was a zero based budget done month to month. The very first personal budget I ever made was done using a Microsoft Excel spreadsheet.