Simple Spending Plan Template

simple, honest financial advice.

Simple Spending Plan.

Here’s the deal: Traditional budgets don’t work because 90 percent of us don’t have the desire to

track every penny spent in a dozen categories nor the resolve to say: “You know what guys? I’m

overbudget on going out, I’m staying home Friday night.” Here’s the fix:

• Track your spending automatically

• Know your “nut”—your fixed monthly expenses plus savings

• Put these bills and transfers on autopilot

• Spend the rest without worry

The worksheet on the next page will help you calculate your nut; the fixed amount of expenses you

need to meet every month plus what you want to save. What’s left, you can spend without worry.

Note that if there’s not enough left to spend, you need to look at big ways you can either reduce

your nut or earn more money.

Questions or suggestions? Hit me up at .

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Parent category: Business