My way of working a budget out is both with a notebooks & Excel cross checking them both it only takes about hour longer to do each month.

I firmly believe in tracking all money down to the last cent. This is done with a note book I keep by my computer and once a week I will make an entry in the Excel program too! Having done this method for over seven years now I have got it down pat.

Now the next thing I will need to do is set up my next year templates in Excel ready to go!

Yes the way to go is making templates if using Excel it makes life a lot easier, you can always change them if you find an easier method. If I can work out how to write an Excel budget anyone can. HP online classes were a great help for this mind exercise.

Having done all that now its down to business with working out my future spending and reviewing all my bills to see if any can be changed to a better deals when they are due to be renewed. This is one I will need to list these so I can act on them when they are due by adding extra column in the Excel. This will be a new list as I have contracts with some companies and cant remember when they are due to be off contract so will need to work out a Reminder Calendar to keep up to date on this one. I would think many people could have this problem too!

To be continued soon