If your budget spreadsheet tracks your goals clearly, you are constantly reminded of why you are budgeting in the first place.Įven if your goal is just to get better control of your finances and save a little extra each week or month, any sort of budgeting goal will keep you on track. Financial goals may not seem like a vital part of the budgeting process, but listing your budgeting goals will keep you motivated. This is what you want to achieve and when. You should now have a complete list of your income and expenses, which we’ll use to fill in the spreadsheet in the creating your budget section. These spending patterns and behaviours can be called ‘spending leaks’ - we’re going to change your mindset to look at these instead as ‘opportunities to save’. It will also help you identify spending patterns and behaviours that could be better managed to save money.
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