Published at Friday, 04 December 2020. Worksheets. By Bernarda Brun.
The biggest complaint about budgeting is that it is too hard and takes too much time. Look for something that not only does all of the above functions, but is also easy to use from the get-go. The forms should be intuitive, easy to identify the cells to fill in data, and easy to read print out report. Finally, my gauge of a truly excellent budgeting worksheet is to ask yourself, "Is this a report that I had be comfortable taking to a financial planner, banker, or other professional for further advice or coaching?" If the answer is yes, then you have done a good job!
Know the author has background. This person needs to have a background in education and, ideally, should be trained in the latest educational methods, like brain-based teaching/learning. I personally would never use any materials with my child that did not specifically mention being "brain-based." I am not talking about just "research-based." I see more and more sites claiming to have research-based materials, but what I find is definitely NOT based on how the brains actually learns. Brain-based learning is relatively new in the educational world, but most worksheet sites and materials are using old science or, more often, no science at all.
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!
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