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. 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.
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