Online Spending Worksheet : Organize Your Financial Life Online – Investing your money is a very important thing. Specialists in financial education say that of the 100% we earn working, 70% should spend on essential things (pay light, water, do market ..), 30% is indicated to invest, ie in the savings account, direct treasury. If you talk about financial education or saving is difficult or uncomfortable, maybe it’s time to reevaluate your thinking!
Online Spending Worksheet – How Does It Work?
Talking about money can not be something that embarrasses you. Even if your financial situation is now negative, that does not mean it will always be like this. It is possible to change our relationship with money, and thus live a calmer life. An initial tip is to put into practice an online spreadsheet ! Do you know how it works?
A simple way to catch up on your finances is to know exactly how much you earn and how much you spend! And to do this you can rely on the help of an expense spreadsheet that can help you track the inflows and outflows of your purchases and payments.
With the spreadsheet it is possible to manage your personal, home or even business budget simply and quickly. Today there are several online spreadsheet templates, which can be online or manual and, better, most of them totally free.
The important thing is to test the available options and analyze which best suits your needs and lifestyle. Some are more complete and complex. Maybe if you’re starting to reorganize your financial life, opt for a simple spending spreadsheet that lists the key items.
Spending template templates found on the internet
Those who like manual spreadsheets, the best known are BM & F Bovespa, which is simple to use and therefore ideal for beginners. They are well recommended! Now learn about spreadsheet options online and free.
- My Money (https://www.meudinheiroweb.com.br). It is an online personal and business financial system, agile, easy to use. It is an online program in which you can control your budget, credit cards, bank account, accounts payable, accounts receivable and investments. It has free plan and also paid that has more options. The system has versions for mobile phones with Android or IOS (Iphone) operating system and the Android version has Widget for creating quick launches, very interesting feature in daily use.
- My Savings (www.minhaseconomias.com.br). It is also a financial control system that will help improve your quality of life and leave you much closer to your dreams. With it you can do the financial control by organizing accounts and keeping the budget up to date. All this for the web and the best, it is 100% free! Make your registration and start using the My Savings Finance Manager .
- Mr. Money (www.srdinheiro.com.br). It is a system of financial controller focused on the control of personal finances. With it you can organize your financial life in a simple and free way.
Learn how to use spreadsheets over the internet and excel
For those who are not in the habit of keeping track of expenses, it may be difficult to get started, but the most important thing is to stay focused. One tip is to have goals and understand why you will use an online spreadsheet . Is it to control the accounts and not to borrow more? Is it to save money and buy something? Or is it to invest in the future?
The ideal is to have goals, because otherwise it is easy for the person to think that the worksheet is useless and ends up believing that it does not work. The tip for beginners is to start simply. That is, start by writing down your paperwork, or spreadsheets. As soon as you get used to it, use the spreadsheets online and then the applications if you think it’s important!
A hint! Even if you do not care about it or you do not care about it or believe that it’s impossible to organize financial life because you earn little, it’s no excuse! Of course there are unforeseen events that can leave your negative balance, but the most important thing is to evaluate when you buy anything. That is, think again and again: do I really need this now? Often we end up spending lots of money on compulsive and unnecessary purchases.
And most importantly, do not expect to find that when you earn much more than your financial life will be better. No matter how much you make, what matters is how much of your salary! Good luck!