![]() This starts to build a picture of where your money goes. An excel spread sheet can also help – you can write down where and what the expense was, and the amount. ![]() If you’re with Macquarie or Commonwealth Bank, they have excellent avenues to track your spending via their apps. You can use your receipts, or use a budgeting app. The first step to creating a budget is to look at your expenses. While staying with her on a recent trip, I was chastised for leaving the bathroom light on! Yet only a few years ago I remember continually turning off lights and fans well after the room was vacated. I must say, living by themselves and paying their own way changes a child’s attitude. Now at 23, and living interstate, she asked me how to create a budget in excel so she can save for all the things she wants to do, and still be able to pay her bills. ![]() Her reply was ‘How can I create a budget when I don’t have enough money?’. I suggested she should create a budget in excel. Some time ago, my daughter was lamenting that she didn’t have enough money to pay her phone bill and the rest of her bills. ![]()
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