#Budget template excel for mac free#

(Don't want the file to get too big and cumbersome, do we?) You'll be better off, though, starting a new spreadsheet well before that.

The spreadsheet can handle up to just over 500 transactions.

Just allocate each transaction to its correct envelope(s) and the AMOUNT and BALANCE columns take care of themselves!

The TRANSACTION AMOUNT and ACCOUNT BALANCE columns are completed for you automatically.

Enter credits (inflows) as positive amounts.

Enter debits (outflows) as negative amounts.

(In other words, your checking account's balance is always the sum total of what's in your envelopes.) Instead, create whatever envelopes you need, and then allocate your checking account's current balance among them until the spreadsheet's STARTING BALANCE matches that of your bank account.

You don't enter a single STARTING BALANCE, per se.

You'll enter data in white or light-beige cells only.

Some things to remember while you're working with this spreadsheet: Transfer money between envelopes with a few keystrokes. Name, rename, and re-rename your envelopes to your heart's content. So here we go: The spreadsheet allows you to separate your checking account's balance - your money - into any of up to twenty-five different spending 'envelopes.' All deposits and withdrawals from your account show up as transactions in one or more of your envelopes. Rather, it's simply to integrate envelope-budgeting precepts with the standard checking account - and to do it with an Excel-based checking-account register. My goal here isn't to offer anything spectacular to be honest, that's already been done by YNAB.

Cool products like You Need A Budget beat me to the punch long ago.Д«ut that doesn't mean I can't throw an ultra-simple alternative into the fray, does it? I couldn't even pretend to be the first to bring this method of budgeting to a 'net audience. Yeah, you guessed it: The CEO of Fancy Big Box City hates envelopes. or standing in the middle of the neon-gleaming aisles of Fancy Big Box City clutching a freshly-opened Mastercard in your eager hands? Where do you think it might be easier to factor for your family's overall financial picture: sitting at your kitchen table, with cash from your latest paycheck on one side of you and your planned-expense envelopes on the other side. With envelope budgeting, these folks in effect spend their money intelligently before they get a chance to spend their money stupidly. Yet generations of debt-free families have found that budgeting their household income this way just flat-out works. Technologically, and interest-earning-wise, it certainly leaves something to be desired. Is this the most efficient way to manage money? Perhaps not. We're talking cash-only spending here, people! Debt is not an option! Since every dollar is allocated ahead of time, an overexpenditure from any one envelope (or category) cannot exist without an equal decrease in some other envelope. A similar envelope might exist for Christmas and birthday GIFTS. Money being saved (set aside monthly, in true Freedom Account style) for the semiannual insurance bill would accumulate in an envelope labeled INSURANCE. Grocery money for the month, for instance, might literally go into an envelope labeled GROCERY.Д¬ash to pay the phone, electric, and gas bills might go into an envelope called UTILITIES.Д¬ash to pay for clothing might get tucked into an envelope named CLOTHING. How? Well, in the strictest sense, many families cash their paychecks and immediately allocate the funds according to purpose: The process works like this:Д®nvelope Budgeting: When income arrives to your household, you immediately give every penny a job. In truth, at least a decent portion of your own family tree's trunk - your grandparents, great-grandparents, and so on - probably managed their own money with envelopes. I know for a fact that it dates back to at least the 1980s. The practice of 'envelope budgeting' is old - way old. So the Deluxe 'Envelopes' Register is there when you're ready! Envelopes and Money? Huh? and subsequently requested something more full-featured that I just had to put one out there.

#Budget template excel for mac free#

But enough users have tried the free version, liked it. Here's a quick comparison of the two files:Д«ecause of all the work that's gone into it, the Deluxe Register isn't quite free. I recently created a Deluxe 'Envelopes' Register as well. I guess I could call this free spreadsheet my 'lite' version of the 'envelopes' check register. But since I don't have ready access to one, I can't prove it. OpenOffice Users: Yes, it should work with OpenOffice.