The budgeting template will be able to tell you where you are actually as far as your finances are concerned. It is very useful in those instances when you will have to budget and obviously, budgeting is very much needed if you are after managing your money to your utmost best.
Budgeting Worksheet: Your Personal Cash Flow Analysis _ A fully functional budgeting worksheet should calculate your monthly cash flow analysis so that you can determine if you are overspending based on your income on a monthly basis. In order to determine your cash flow for the month, you will need to provide your monthly income information. A good worksheet should do all the math for you, generate a meaningful chart or two so that you can quickly see the areas in your budget that need to be improved upon. If you are over spending, you will need to adjust. If you are under spending, start saving towards your goals!