Lately I’ve received a lot of inquiries about the envelope budget system, how the envelope system works, and how Excel could possibly help a person use the envelope budget system. I thought it would be worth writing an article about.
First off, let me just explain the envelope budget system in general, we’ll then get into [...]

One of the most difficult aspects of budgeting is with one thing: Variability in your income.
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Excel isn’t necessary to follow this principle, (neither is the very sleek, YNAB Pro). It might make it slightly easier to get the job done, but it can be done on pencil and paper just as well.
To [...]

Dave Ramsey is a very well-known radio talk show host and best-selling author. He has helped thousands of people through his Financial Peace University seminar. The Financial Peace University seminar outlines 7 Baby steps toward financial peace. I thought it would be fitting to discuss those baby steps here, in light of the YNAB Personal [...]

When beginning a personal budget, Excel worksheets should be considered a viable option. I’ve spent the last several years developing a system of worksheets that make a personal budget simple, easy, and — most importantly — effective.
Excel Worksheets
Personal budget fiascos happen when we attempt to anticipate what we’re going to make instead of actually knowing [...]