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This is only how I set up a budget. None of the prepackaged programs fit exactly. So I used Excel and these are the fields for each expense:
Category
Type
Payee
Acct#
Amount
Freq/year
Total yearly
Total yearly cumulative
Total monthly
Total monthly cumulative
Pay Date in the month (varies for some but gives me an idea of what paycheck will cover what and when to schedule an online payment through my bank)
What Month the bill is due (eg: All, a specific month, quarterly months
Bills cluster in when they are due so I drew a thick black line separating those due at the beginning of hte month, those mid month, and those end of month.
It is easy to add in Excel, make column totals, so I was able to see my monthly cumulative and my yearly and know that I can or cannot cover expenses.
Someday I'll get setup on Quicken or some package program like that, linked to my bank, but for now this manual method spreadsheet is helping me plan ahead.
There are 39 expenses listed down the first column.
__________________  Ellen in PA
"God has not given us a spirit of fear; but of love, power, and a sound mind."
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