Need an easy and effective way to save for certain budget needs? This is a great little Excel spreadsheet to help you with the task! In a nutshell, this spreadsheet helps you to take your checking (or savings) account and break it into multiple categories. It’s almost like having 7 different accounts to stash money instead of just 1. What’s the benefit? You’re able to move money where it is out of sight and out of mind. It allows you to save for those problem areas like semi-annual insurance bills, Christmas gifts, emergencies, or even the weekly tithe to your church. Happy budgeting!

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