I started utilizing a spreadsheet to help with my monthly budget. I found a good template, from which site, I can not recall. If I could, I would link to it. At home I use the Open Office. It does at great job without having to spend a great deal on Microsoft Office. I can put files on my jump drive easily and edit them at work and have safe and secure backups. Jump drives are now fairly inexpensive and I really recommend that you have at least one.
I modified the spreadsheet as such.
I then copied the worksheet eleven times and renamed them for the months. That way I could adjust the paychecks we receive monthly, as Wifey gets her check on Tuesdays and I on Fridays. It enables a better forecasting method.
If you would like a copy, let me know and I can send it off to you.
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