Spreadsheet to track spending - Business Insider More iconThree evenly spaced dots forming an ellipsis: "...".
Chief among them is that the best, most critical first step you can take to improve your finances is to track your spending.
For a few years, I let LearnVest track my spending automatically, by connecting my accounts.
If you want to set up a budget in the traditional sense, imposing spending limits on each category, this sheet will help you establish those limits.
You'll need to make some of your own additions if you want to track your spending in relation to a budget rather than to get an idea of where your money goes.
The discretionary total, plus the fixed total, shows me how much I'm spending every month.
That's OK. I'm fine with my spending tracker being off by $50 here or there.