First you must have available a spreadsheet program. The most common is Excel (Microsoft), but you can download a similar program for free online from the site of Openoffice. The spreadsheet is set up this way: the first column where we will have a list of items of expenditure and income; the next 12 columns represent the 12 months of the year, then the sum of a column, a column for the monthly average each cost item; last column with the percentage of expenditure that represents each item, total expenditure (see image). First column. Here is a possible example of an item of expenditure and income. The capitalized words represent spending areas which includes the items in italics below. Each item corresponds to one row.
HOUSE
rent
bills / taxes
household / furniture
EXPENDITURE
supermarket spending
elettrodom / electronic
Pet
canteen
CLOTHING
Accessories / Shoes
clothes
AUTO 1
ass / stamp / tägl / parts
gasoline
AUTO 2
ass / stamp / tägl / Parts
gasoline
SCOOTER
ass / stamp / tägl
gasoline
HEALTH '
dentist
medicine / visits / glasses
VARIOUS / EXTRA
extra
DIY
books / magazines / games
pizza at home
dinner / bar / outputs
parking / highway
train / bus
gym / pool
hairdresser
Gift
pension / insurance
telephone / internet
TOTAL OUT *
1 salary
salary 2
Extra / bp / interests
TOTAL IN **
DIFFERENCE ***
ACCOUNT Columns of months. We create twelve columns next to the first named January, February, ....., December.
At the various sectors such as CASA, EXPENSES, HEALTH CARE ', ... (capitalized words) we set the function SUM () for all the subheadings of that column. For example, for the sum of sub-HOUSE I: rent, bills / taxes, ...
* TOTAL OUT: This line should be set to the sum of expenses for each month. The function is a sum of squares corresponding to the areas (lower) of each column.
TOTAL **: is set to the sum of items of income for each month (column).
DIFFERENCE ***: corresponds to the box (TOT IN) - (OUT TOT) for each month (column)
We create a column SUMS, after column of the month of December. We set for each box of this column, the function = SUM () with argument all the boxes to the corresponding row. In this way we will have the total amount spent for each item. Let's create one more column, which will allow us to calculate the monthly average for each item of expenditure / income. The function is inserted in the different cases of lines corresponding to the areas (upper) compared to the subheadings.
For sectors (capital), the function set is of the type: "= SUM (B2: M2) / (CONTA.SE (B2: M2,"> 0 "))" where B2: M2 is the sum of the argument corresponds to the whole row
For the sub-function is of the type: "= SUM (B3: M3) / (COUNT (B3: M3))"
This feature allows you to have the means updated at any time of year and not only after 12 months. Create a last column, for the calculation of the PERCENTAGE that affect total spending on each item. The function will look like "= N2 / $ N $ 41 * 100" where N "is the section of column somme of that line and $ N $ 41 is the box of the total of all expenses (column SUMS, line TOT OUT). Finally you can enter a last row labeled ACCOUNT in which to evaluate the performance of their savings. It puts at the January following function: "= (the balance 31/12 of previous year ') + (DIFFERENCE of the current month)." For months after the function will instead be "= (box ACCOUNT of the previous month) + (DIFFERENCE of the current month)" Obviously the various expenditure items can be customized. Happy savings!
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