![]() ![]() Fixed expenses: Fixed expenses in a budget are line items that are unlikely to change in the long term. This includes things like your rent or mortgage, car payments, insurance bills and the like.Tracking individual bills for electric, water and heat under that larger “Utilities” category, for instance, may help you identify areas in which you could cut costs.Īnother way to track and categorize some of these items is based on whether they’re fixed or variable: If you wanted to get even more detailed, you may even be able to create additional subdivisions. Your expenses can potentially be divided into subcategories like dining, groceries and utilities, to name a few. For example, you may consider breaking down different types of income you may have (including job salary, investment dividends and rental income). Within those, you can divide each into different subcategories. While the exact number can vary from person to person, there are two categories that are helpful to have: income and expenses. This can vary from nearly nothing all the way to several hundred dollars, depending on the complexity of the program and your personal needs.Ĭategories help to organize your budget. Pricing: Last, but by no means least, is the price.If that’s the case, you might want a program that specializes in creating graphs quickly or a template that automatically builds and updates them for you. Perhaps you’re someone who really loves charts and graphs (more on those later). Additional features: While most spreadsheets use a common cell-based organization system, some of them offer unique additional features that may be worth considering. ![]() Highly stylized templates may look cool, but can become distracting and difficult to work with from a practical standpoint.
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