(Read time <5 mins)

Over the last 4 years of my journey, I have been navigating my finances reasonably alone. I have utilised free resources online, and made sure to talk about with friends, to broaden my exposure and understanding of it. But it has been me, myself and my budget spreadsheet, this whole time. (That’s probably why it took me 2 years to clear my credit card debt lol)

As much as being smarter financially is beneficial to me as an adult, making it simple to understand and manage is incredibly valuable to me. And that all starts with knowing my own money habits. I do this by using a budget template.

The template doesn’t limit my lifestyle, but makes me aware of the money movements I have each month. I have also kept this spreadsheet over the last 4 years, so now I have a record of my finances, which can help me understand how I manage my money, and thus I can devise strategies to be smarter with my finances. And it’s all simply kept on a basic excel spreadsheet.

Next week, the blog readers are getting access to my blog template. As an email reader I’m giving exclusive access to the spreadsheet earlier (attached below). It’s completely free so you can give it a try and see if you can get smarter with your finances. This is the exact template I use to keep on top of my finances. If you are savvy with excel, play with it even more, but I have kept this purposefully simple, so anyone can have a go digitally.

Weekly reflection:

Adulting is knowing when a skill is worth learning and when it’s worth paying someone else to do. (It’s not worth it for me to pay an account manager to watch my finances, so I was happy to learn the skill and now pass it on ☺)

Speak soon,

Rue

Adulting For Life