I've been using Excel for years now

DHK · Registered User Joined: 26 Oct 2004 Posts: 7

Excel has been one of my greatest tools for planning my payments.

I only use 3 columns.

First column lists my payments to be paid.

Second Column lists how much to pay.

Third column shows how much is left.

I use a simple formula to show how much of my money is remaining after each payment. For those not familiar with excel, here's an example of how I would format a cell: I would type: =C1-B2. It will show the number in C1 minus the number in B2. Then I would copy that formula to each cell that needs to show a remaining amount after each bill.

This has helped me keep a perfect payment record with all my creditors.

strife · Registered User Joined: 03 Nov 2003 Posts: 33

Doesn't all that manual entry get tiring? I know when I have tried systems like quicken or even using an excell spreadsheet I always had a hard time keeping up to date, especially when it came to smaller cash transactions.
Any recommendations for getting around those challenges?

DHK · Registered User Joined: 26 Oct 2004 Posts: 7

I've only been using it to help me manage which BILLS to pay WHEN. I have not used excel for smaller transactions. I track those online with my bank's online banking services. Other than that, I really don't use a "budget" to discipline how MUCH money is going to certain areas of my spending life.

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