Budgeting Tools
One does not become wise by knowing all the answers but by asking the right questions - Anon
Download the simple spreadsheets and get started to find out the
Who, What, When, Where, Why & How
of your finances.
Who, What, When, Where, Why & How are basic questions in information-gathering. Answers to these questions help you discover your whole story.
Budget Sheets
A budget sheet will give you a clear view of the big picture. These are the tools that take into account all income & expenses.
Together the Budget Sheet and the Debt Schedule are the fundamental tools of budgeting.
These two sheets, when completed, will show your current financial position.
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Who do I have to pay?
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What are my priorities?
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When is it due?
Spending Plans
A Spending plan (or cash flow) is a practical tool that makes your budget come to life.
This planner allows you to plan from payday to payday so that you can be confident of what you can (& can't) afford. A Spending Plan allows you to forecast your future spending and monitor it in real-time.
And, when additional expenses pop up, you are able to test out adjustments on the planner to protect essentials and priorities.
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Who do I have to pay?
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What are my priorities?
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When are my bills due?
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Where can I make savings?
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Why do I need this?
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How will I make it work?
For your convenience, our budget sheets are loaded into an excel workbook, with 3 pages;
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Debt Schedule
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Budget Worksheet
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Spending Planner
..so you really only need to download one
But if you prefer to download each sheet to use as separate pages, please feel free to do so - whatever works for you!
Let us know how you get on! We'd love to hear your feedback.
..and if you'd like some help email info@moniora.org.nz
or phone 06 867 7173