I used to be afraid to check my bank statement. I was afraid to see how much I spent each month. Even when I started earning more money, I still had no savings and honestly? I had no idea where my money went. It wasn’t that I was spending on God knows what. I wasn’t buying branded, expensive clothes, perfumes or gadgets.

But somehow I wasn’t able to save any money. And I was getting older. I started thinking about buying a home but how could I do this if I didn’t even have a home deposit? I started reading about saving money and the most important thing I learned about finances is that budgeting is key.

It is true not only for personal finances. You have heard about how firms have their budget for innovations, marketing and so on. Even your government adopts a budget for the whole country!

So yeah, I decided to give it a try. I tried many different methods. I tried envelope method and I also tried writing everything on a piece of paper. But later on I realized that for me the best way for budgeting is to do it on the computer. And obviously I decided that I need to have access to it everywhere.

So I drafted my first budget on Google sheet and I was using it for a while, making adjustments and trying to do this as simple as possible. For me it was important to automate everything as much as I could.

And that is how I created my budget by paycheck spreadsheet.

I am using it and the best thing is that it calculate the summary for me!

What is included?

• 12 tabs for each month (and each one has the expense tracker)
• 1 tab for the year summary in numbers
• 1 tab for the year summary in graphs
• instruction guide

Why do you need a budget?

As I said before budgeting is extremely important when it comes to finances. First of all, it allows you to see exactly what are your expenses. Thanks to that you know what you can cut off, where is the room for improvement. Maybe you have a subscription that you don’t even use? Maybe you spent too much money on coffee-to-go or lunches at work?

Budgeting for sure will help you to organize your finances and to plan how you are going to spend you paycheck, what amount will go into expenses and what amount will go into debts and savings. Then you can compare your plan vs the reality and decide what should you adjust next month.

Budgeting is easy but it requires you to be consistent and make a habit out of it. So first it will be overwhelming, for sure. It is for everyone, don’t worry about it. If you are here it means that you made the first step and now it is going to be only better!

Why? Well because you don’t have to figure it out by yourself. You have ready-to-use template that you can start using today and save lots of time. Because trust me on that – I spent many weeks make it better and better. But we all strugle with money, right? We want to save as much as possible. That is why I decided that my budget by paycheck template won’t be expensive. I won’t charge you $20 or $30 for it. I want everyone to have easy access to it.

All you need to do is to go to my Etsy shop (click here), buy this template and login into your Google account. Yes. It is that easy and that cheap (only like two lattes)!

In the case you have any question, text me: lannysavingmoney@gmail.com.

Good luck with budgeting! And let me know how you like it! 🙂