I need help managing my money. Do you know of any websites or excel formats i can track my spending with?

Question

I have made a lot of money this summer and it seems i dont know where any of it went.

I usually print off a table in word and track my spending but it always ends up so messy because unexpected expenses come up.

Is there any way i can track my spending on line or through an excel format? I have credit card debt and i want to have it decreased i just need a plan...thanks.

Thanks for your help

Answer 1

I have a system that has worked for me for the past 7 years. You can use a calendar or print one out like I do each month and in it I have the bill that are constant each month, rent, phone bill etc. I total these up and subtract the amount from my monthly income, the difference being what I have to live on for the rest of the month, On another form I enter each time what I pay for in cash like  groceries, gasoline etc. This is done each day that I spend something. I only get paid once a month so it never changes as to what the pay check will be.

Answer 2

My favorite is www.wasabe.com or www.yodlee.com.  Try them out.  The best way to save money is don't buy anything you don't absolutely need.

Answer 3

Hi There,

The difficulty with credit card debt is that it can take so long to pay it off that you just get almost bored and spend again. Most people find it hard to live within their means and not get further into debt or back into debt.

I can recommend starting to buy everything with cash - I'm telling you, when you see those bills going through your fingers you will really cut back on your spending! It's far too easy to spend money you don't have with a credit card.

You have to get rid of your credit card debt. Either get a consolidation loan or consolidate your cards to ones with zero or low rates of interest. Once you have done this you MUST get rid of your old cards - cut them up and destroy them otherwise you will be tempted to spend on them again and get into even more serious problems.

You really can get out of credit card debt but it is going to require some discipline and self control and maybe even a five year plan, but once you are out of debt you will feel a new found sense of freedom!

There is a lot more free advice available at http://www.howtopayoffyourcreditcards.co...

Hope that answers your question :)