Best Books On Personal Finance (Save Money, Calculate Budget) – Half Dollar will automatically calculate how much you have in Monthly Money Leftover, so you can figure out savings and splurges accordingly. This really helps you if you just take 15 minutes at the end of each day.

This tool is recommended for the people who want to make a budget and stick to it. This might cost a few bucks but that can hurt your wallet. An enterprising Redditor made a free spreadsheet on the same principles. The Poor Man’s Budget is almost exactly like YNAB.

The first column has all the expenses that you incur. Then you have to add the estimated expense under “Budgeted”, and later update it with how much you actually paid under “Outflows”. The sheet will automatically calculate how much you overspent or didn’t budget for last month, and figure out your next month’s expenses accordingly. Read the last “Instructions” tab to get a clear idea of how to use the Sheet.

How To Edit The Sheet Directly:

For your kind information, you can’t edit the Sheet directly. Go to File > Make A Copy and Save the copy to your own Google Drive.

Redditor TheJMoore made this that explains what you need to do, why you need to do it, and how you should do it. TheJMoore divides the money into three “buckets” i.e. expenses, savings, and flex. The spreadsheet shows you how to put TheJMoore’s philosophy into action. It’s a free downloadable Excel sheet with the instructions.

This really helps you start saving money like never before. Primarily, these tips are mind blowing in case you read them in-depth. Moreover, if having any questions regarding Best Free e-Books On Personal Finance (Save Money, Calculate Budget), do let us know in the comment box below.

Best Books On Personal Finance (Save Money, Calculate Budget)

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