![]() Try to either round up or down to the nearest $10 for an average estimate on how much you spend for each item.Put in an estimate of your recurring bills (perhaps what you paid the previous year for that specific expense) but once the bill comes and you pay it, put the actual amount into your ledger. Some bills, such as your rent or mortgage, usually stay the same every month, while others are more variable (like utilities).Put in estimates as placeholders until the actual bills come. Installation payments, such as student loans and credit cards, also go in here. X Expert Source Samantha Gorelick, CFP®įinancial Planner Expert Interview. ![]() Some examples would be car payments, rent or mortgage, utilities (such as water, electricity, etc), and insurance (medical, dental, etc). Put your biggest regular expenses into the spreadsheet or ledger. If you are using software you will be able to add rows easily to fit all of your expenses in.
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