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StitcherEverything is too much. Too much to track, too many places to track it. We can’t fix that but we can show you our systems. In this episode, we’re sharing three spreadsheets to organize your life and money plus the versions you can take home from our shop if you’d rather not make your own.
If managing your life and money feels like a second job, it’s not because you’re bad at it. It’s mostly because it’s scattered all over the place.
This isn’t a budget for guilt or deprivation. This helps with cutting down on anxiety because you know exactly how much money you have for bills and discretionary spending. You control your budget, not the other way around. For budgeting, you’ll need: income, discretionary expenses, recurring expenses, debt, savings, investing.
In our budget spreadsheet, you’ll get: opportunity cost calculator, net worth, and annual spending dashboard.
Keeping everything in 50 different places is stressful, and things inevitably get missed. Our annual planner puts it all in one spot, helping you track annual benefits, insurance, and credit cards, plan and save for long-term goals, and never miss a free event.
It also includes a secondhand shopping list, trackers for benefits, health checks, auto maintenance, and credit card rewards, plus an emergency (estate plan) tab so loved ones can access important documents.
Making your own food is the key to saving money, but planning, shopping, and cooking every week can feel overwhelming. A good meal planning spreadsheet helps by tracking your inventory, listing recipes to pull from, and keeping a running grocery list. Ours also includes a conversion chart, substitutions cheat sheet, and 1,000 meal ideas.
What’s your single favorite thing in all the spreadsheets
Opportunity cost calculators for Jen are so cool and think it’s so essential. Jill on the other hand loves the secondhand strategy because there are a lot to pick from that we don’t realize exists.
Bill of The Week
Thank you Anon for sharing your bill about putting daycare $$ towards retirement now that you’re daughter is going into kindergarten
Thanks so Much for Listening!
Thanks so much for listening. We love love love reading your kind reviews of our book Buy What You Love Without Going Broke and we especially loved this one from:
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Balanced, practical and fun!
This is not your basic finance book. It will not tell you to quit buying lattes or avocado toast to solve your financial woes. It’s compassionate and fun. It will encourage you to look at your past spending, make a plan to move forward, and adjust. It is well researched and helps identify the why behind our impulse spending, as well as identifying what we value and how to incorporate those values into what we buy.
If you want to check out our monthly challenge community head to frugalfriendspodcast.com/club to see what challenge we have coming up next.
Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to reviews@frugalfriendspodcast.com. And don’t forget to share your favorite quote from the episode by using the hashtag #FrugalFriendsNote. 😉