How to make a check register in excel,free business checking ing,free website templates by joomla,how to make website centered with css - Review

As far as operating system requirements, it should work on Windows 98 and all later versions of Windows. I guess I could call this free spreadsheet my "lite" version of the "envelopes" check register. Envelope Budgeting: When income arrives to your household, you immediately give every penny a job.
Grocery money for the month, for instance, might literally go into an envelope labeled GROCERY.
Money being saved (set aside monthly, in true Freedom Account style) for the semiannual insurance bill would accumulate in an envelope labeled INSURANCE. Since every dollar is allocated ahead of time, an overexpenditure from any one envelope (or category) cannot exist without an equal decrease in some other envelope.
Back in the old days, when people were paid in cash, they would take their money and divide it up in different envelopes.
Yet generations of debt-free families have found that budgeting their household income this way just flat-out works. With envelope budgeting, these folks in effect spend their money intelligently before they get a chance to spend their money stupidly.
I couldn't even pretend to be the first to bring this method of budgeting to a 'net audience.
My goal here isn't to offer anything spectacular; to be honest, that's already been done by YNAB.
Remember — you've got 25 envelopes to work with, but that doesn't mean you have to make budgeting "25 Envelopes" complicated!
For another spreadsheet that's designed to help you get a grip on those big, multi-category receipts from Wal-Mart and other stores, be sure to check out my Receipt Splitter spreadsheet. If you're familiar with the concept of Freedom Accounts, you might guess that the idea had its genesis with envelope budgeting. Now take that one step further: Items like the car-insurance bill may hit your mailbox every six months. Let's suppose Mary decides to move $100 from her GROCERY envelope, and split $30 of it to her ENTERTAINMENT envelope and set aside $70 of it for DEBT PAYMENTS.
Here's how such a transaction would look; notice that it has no effect on her overall checking account balance.
As I mentioned above, I also have a bigger, better version of this Envelopes Register available for purchase.
However, if you're inclined toward a more-standard check-register spreadsheet, I have those, too.
If you're just beginning your journey toward Money Smarts, then all you really need to get started is a simple check-register spreadsheet. Well, it can do all the nasty math required to keep a running balance in your account, of course. Monitor your spending with up to 200 user-created spending categories — all selectable from a drop-down menu, if you so choose. Take advantage of Excel's AutoFilter (if applicable) for some heavy-duty, categorized-spending analysis! And the best part of all: You can get rid of your paper checkbook registers once and for all. Basically, if the account you're dealing with uses credits and debits, or deposits and withdrawals (which is pretty much every account known to man), then this spreadsheet could probably be used to track it.
Credit Card Accounts: The spreadsheet should work fabulously for tracking credit-card accounts. If you're looking to track "what comes in" and "what goes out" on your account, along with categorizing your transactions and letting the spreadsheet do the yucky math, then this spreadsheet is for you.
If I don't have quick access to Excel and the Check Register, how am I supposed to remember how much I spent, and what I spent it on? Beyond that, if you know your way around Excel, then feel free to customize the Check Register spreadsheet as you like. The spreadsheet is protected (no password, though), so if you want to make changes to locked cells, you'll have to unprotect the worksheet(s) you wish to change. Some people think I'm exaggerating when I say that categorizing your expenditures is a huge key to mastering your money. Think about it this way: Let's say you know that your last three trips to Wal-Mart cost you a total of $450. Or $300 worth of groceries, plus $150 worth of stuff that you and your kids really didn't need? Telling yourself, for example, that "We really have to cut down our spending at Wal-Mart," is one thing.
On the other hand, you certainly can make changes when you know what actually comprises your Wal-Mart spending. In any case, my Check Register spreadsheet allows you to create and enter up to 200 of your own spending categories. You'll do this in your Check Register workbook by clicking the "Categories" tab and entering your categories in the space provided.
When you have a transaction that needs a new category, just click over to your "Categories" worksheet and add it to the end of your current batch. List all your periodic, recurring bills in the Recurring Transaction Log, and your days of "forgetting what bills are due when" are over. In a previous section, we talked about having three Wal-Mart visits that tallied a total of $450. And because we want our spreadsheet to reflect our "spending reality" and show where our money is really going, that's the way we should enter the Wal-Mart transaction. By doing this, when it comes time to reconcile the account, I'll remember that those three items were all just part of one transaction — not three truly separate transactions. Use your cursor to select the Grocery expenditures from January, and Excel's AutoSum will tally it for you in the lower right side of the screen, just like it did for the SORT method above. NOTE: If you've scrolled down your spreadsheet at all, thus hiding data behind the locked blue rows (the last of which is Row 7), then this hidden data will not show up when Excel does its AutoFiltering thing. The pay version adds a few niceties to the free version — nothing earth-shattering, I suppose, but worthwhile to users like me who prefer to let Excel do as much of the grunt work as possible.


Adds one-click sorting to your transaction Types, Categories, and register transactions (requires macros enabled).
Adds a Category Report worksheet which allows you to see your categorized spending and earning in any given time period. Adds reconciliation ability, so you can verify your spreadsheet transactions against those on your bank statement. Hyperlink buttons allow you to easily switch between worksheets without having to use Excel's bottom-of-the-screen worksheet tabs. If you're one of those folks who follows the "envelopes" method of budgeting, you'll want to check out my Envelopes Check Register.
In the years since I began offering Excel financial spreadsheets at It's Your Money, I've noticed lots of people searching Google and Yahoo for terms like "checkbook register spreadsheet," "Excel checkbook," and "checking account spreadsheet." And often they'd end up at IYM. If you've spent much time reading my site, you'll know that I'm a longtime, super-devoted Quicken user. Sometimes, especially if you're just beginning to embark on the journey to Financial Independence, all you really need is a simple spreadsheet that can help you track your bank- and credit-card balances. OpenOffice Users: Since OpenOffice can't execute Visual Basic macros, the macros and sorting features in this Check Register won't work.
Mac Users: As of right now, the spreadsheet will not do everything it's supposed to do if you're using a Mac.
OpenOffice Users: Since OpenOffice can't execute Excel macros, the macros and sorting features in this Check Register won't work. Create and use up to 15 transaction types (check, ATM, ETF, etc.), all customizable by the user. Now comes with two Register spreadsheets, so you can track your account, and your spouse's, together in one spreadsheet! Rapidly sort Transaction Types, Spending Categories, and Account Transactions with one-click macros. Let Excel create a report showing you how much you've spent in each of your categories in any time period!
When you buy the Check Register spreadsheet, you'll be able to instantly download the .ZIP file (~560kb) from my site. Additionally, I'm happy to include my newest Excel Balance Sheet (Statement of Net Worth) Spreadsheet (v2.0) with my Check Register download. For more info on just what a Balance Sheet is, or why monitoring your net worth is such a big financial deal, please check out my "Worth of Net Worth" page. The pay version adds a few niceties to the free version — nothing earth-shattering, I suppose, but worthwhile to users like me who prefer to let Excel do as much of the grunt work as possible!
Adds reconciliation ability, so you can effectively match your spreadsheet transactions to your bank statement. I regularly tweak and update my spreadsheets, and I'm sure the Check Register will be no exception.
So you paid for and downloaded my Check Register spreadsheet, and it isn't what you expected. And here it is with Reconcile Form hidden, which I like because the Reconcile Form (if you decide to use it) is needed only once per month. Reconciliation is important because it's the only surefire way to truly ascertain the exact balance in your bank account — to make sure that you and your bank haven't made any mistakes or wrongly recorded any transactions! When reconciling your account for the very first time, be ready to spend some extra time looking for discrepancies. When the amount in cell H3 ("Amount left to reconcile") equals zero, you're done and reconciled!
In our previous section "Working with Transaction Categories," we talked about having three Wal-Mart visits that tallied a total of $450. When reconciling, as far as the spreadsheet is concerned, putting a "C" in the Cleared column of each of these three entries accomplishes the same as putting a "C" in the Cleared column of a single $120 entry, had I done it that way. Just enter the starting and ending dates for your report, and Excel shows you how much you've spent or earned in each of your Categories. The Recurring Transactions Log is simply designed to help you remember what regularly-recurring bills you have, and when they're due. Items you enter on the Recurring Transactions Log have no effect on your Register; they won't be automatically entered by Excel or anything like that. Make sure your recurring bills are listed here, and it ought to be a breeze to remember them at crunch time!
Use my Register spreadsheet long enough, and it's inevitable: You'll run out of rows and need to begin a new spreadsheet.
That's because Excel's copy-and-paste function, by default, copies more "stuff" than you want! All I needed was a simple spreadsheet to help me keep tabs on my checking and savings accounts. I found your site on Google while searching for a spreadsheet to track my personal expenses.
It's an Excel spreadsheet, which means it requires that you have Microsoft Excel installed on your computer for it to operate.
Rather, it's simply to integrate envelope-budgeting precepts with the standard checking account — and to do it with an Excel-based checking-account register.
Instead, create whatever envelopes you need, and then allocate your checking account's current balance among them until the spreadsheet's STARTING BALANCE matches that of your bank account.
Just allocate each transaction to its correct envelope(s) and the AMOUNT and BALANCE columns take care of themselves! Of that, $65 went toward groceries, while $27 went toward various household items and $18 went to entertainment. She sets aside $60 every month ($60 x 6 = $360) so that when the bill arrives, she'll have the money in her account, ready and waiting. But there will undoubtedly be times when it's necessary to move money from one envelope to another. If you're doing much Freedom Account saving, consider using an interest-bearing checking account like capital One's 360 Checking Account. The nice thing is that I know all my users (like you, hopefully) have taken the time to read my Disclaimer.


That, to my mind, is probably the single biggest benefit of Quicken and Money — they let you see exactly where your money is going. In the case of an investment account or something similar, you'd just have to track it at a very simplistic level.
But I've found that there are times when knowing how a transaction took place can be quite helpful. Because until you know what you're spending your money on now, you have zero effective groundwork for making spending changes in the future.
You could figure that out easily enough from your paper checkbook register, or even from your bank statement, if you'd used a debit or credit card.
But how do you make a workable plan to pull that off when all you really know is that you tend to spend a bunch of money at Wal-Mart? You don't need to come up with a hundred of them right when you get started — in fact, I'd wholeheartedly advise against that. But what the Recurring Transaction Log will do is show you which transactions are due either today or tomorrow.
In my bank statement, of course, I'd just see a single $120 debit-card transaction from Wal-Mart. I often use this "feature" to pre-eliminate any data that's earlier than I wish to analyze. But I also understand that not everyone needs (or wants!) all the fancy stuff that programs like Quicken offer. I'm not at all familiar with Macs, so the progress I can make in this area is, well, nonexistent.
I'm not at all familiar with Macs, so the progress I can make in this area is quite limited.
It allows for simple, computer-assisted reconciliation of your Register spreadsheet and bank statement. At the end of reconciliation, your register balance should exactly match your bank statement's ending balance for the specified date. With SORT, we have another way to see, for example, exactly how much we spent last month on groceries. But what Excel does do here is highlight those transactions which have a RECURRANCE DATE which matches today's or tomorrow's date.
I found many others that included ebooks giving financial advice and they wanted a lot more for their product. As a bonus, site members have access to a banner-ad-free version of the site, with print-friendly pages.Click here to learn more. With this latest deposit, the "Envelope Balances" row at the top shows her, at a glance, that she has accumulated $140 toward this goal so far. As I looked around the internet, I found exactly ZERO free check-register spreadsheets that allow a way to categorize one's money flow. And since the categories are entirely customizable, they could prove very useful for this sort of business-account tracking, too.
Further, I've only tried it on Excel 97 and later versions — so it might work on earlier versions of Excel, but I can't guarantee it. For an example, notice the transaction with the differing background colors in the screenshot above. This, plus the note I added to the MEMO of each transaction telling me that it was part of a split for my ITEM #1234, should keep me lined-out when it's time to reconcile my account. But because I know the value of categorized spending, in my register, I split that $120 expense into three separate entries totalling $120 — one for each spending category. For example, if I had a year's worth of transactions in my register, and I only wanted to see my Grocery spending from June, then I could scroll down so that all data from before June would be hidden behind the locked rows at the top of the screen.
One site, in fact, even suggested that it can't be done with Excel — that you'll need Quicken or the now-defunct Microsoft Money to help your organize your spending into customizable categories. Since the categories are entirely customizable, they come in pretty handy for this sort of business-account tracking, too. Some of the sorting macros don't function at all, and the reconciliation area cannot be toggled.
Further, I've only tried it on Excel 2003 and later versions — so it might work on earlier versions of Excel, but I can't guarantee it. I know of at least two other sites who offer Excel net worth spreadsheets that are similar to mine, and they're both asking $15 for it. It'll look about the same as the pay version, but the functionality is reduced — no sorting macros, only one Register worksheet, and no reconciliation features. If you'd like to be kept abreast of these updates as they happen, just email me and I'll add your email address to my update-notification list.
But because I know the value of categorized spending, in my register, I split that $120 expense into three separate entries — one for each spending category.
You have created an incredibly easy way to track money without the expense of the likes of MS-Money and Quicken, which I’ve tried and frankly didn’t need all the extra bells and whistles. One site, in fact, suggests that it can't be done with Excel — that you'd require Quicken or Money to group your spending into customizable categories. We just enter our $120 Wal-Mart trip as three separate transactions, each with its correct category.
So there's really no reason for you to purchase this spreadsheet — just download the free Checkbook Register from my Excel page. So there's really no reason for you to purchase the spreadsheet — just download the free Checkbook Register from my Excel page.
So by purchasing my Check Register spreadsheet, it's sort of like you're making money on the deal — and that's not even counting the cash you'll save because you'll be able to track your spending more diligently! More workable and meaningful categories will occur to you, over time, as you enter more and more transactions.



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