Starting on your financial journey means that maintaining a budget is a must have in your money toolkit. At the very least, your budget allows you to create a plan for your money, and helps you track how you are spending your money.
There are many tools out there for budgeting, and Save My Cents has created a customizable budgeting tool that sits offline. It is securely on your computer, does not send your information to the cloud, and does not require an annual subscription to maintain.
The mini-course comes as two files – a PDF with instructions, and a customizable Excel worksheet for you to blend it to your personal situation.
It helps you standardize your income to a monthly amount, track your debt and create a debt free plan, define essential and nice to have expenses, allocate towards sinking funds, and more.
