Identify and Track Variable Expenses

We all have fixed expenses and variable expenses. Fixed expenses are those which are due regularly and typically don’t change very much - like rent, mortgage payments, car payments, cable, internet, etc.  Variable expenses are those that you have control over, like spending on groceries, eating out, and entertainment.  Many people also have variable income, like bonuses, tips, commissions, overtime, etc. The Simple Spending Plan is a spreadsheet that allows you to easily enter all of your fixed and variable income and expenses.  The spreadsheet then calculates everything for you and shows you a summary of your monthly budget. There you will see if you are typically spending more or less than you are bringing in.  You can go back and forth making adjustments until you are happy with your own personal spending plan.  There are also other tabs which allow you to record and track your income and expenses weekly and monthly.  It then totals these entries for you so that you can compare your plan to your actual spending from month to month, and over the entire year.  In this way, it is not only a tool to help you set a spending plan, but it also helps you stick to that plan!

An actionable plan will help to reduce financial stress and worry.

Personal finance is often a major source of stress. It is often stated as the number one cause of divorce and family conflicts. Setting a personal budget can help alleviate that stress. For too long many of us have been living month to month and running up our personal debt. Now more than ever, we need to take matters into our own hands and create savings as individuals. The Simple Spending Plan makes it easy for you to identify when and how much you can afford to spend without financially endangering you and your family, and it makes it easy to put that plan into action.

A Downloadable Product

Once you complete your purchase, the files will be emailed to you.  From your email you will be able to download the Simple Spending Plan spreadsheet, along with an overview and step-by-step directions on how to use it. The spreadsheet is a Microsoft Excel file and the overview and directions are Microsoft Word files.

The Simple Spending Plan Only Costs $10