For those who are ready to take the leap, creating a spreadsheet from scratch isn ... items such as fixed and variable expenses, debt and savings. You even get a bill tracker and monthly spending ...

Creating a spreadsheet from scratch takes time ... 30% toward wants and 20% toward savings and debt repayment. It's OK if your budget doesn’t perfectly align with the 50/30/20 breakdown.

you may cross off each day on the calendar when you move money to savings, stick to your budget or complete another action. Whether it's filling in a visual tracker or completing a spreadsheet ...

Here's what Shen's saving spreadsheet looks like (these are not her actual numbers): "This is useful because it visualizes how decisions you make or events that happen affect your financial future ...

Even when my income rose, my spending remained nearly static as my extra earnings went mostly into savings. Adding more data points to the spreadsheet didn't give me new information, it simply ...