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Tom N Mauer. Worksheet Templates. May 03rd , 2018.

So how do you get started? You need to first state to yourself that you will take action. Action is what will be required of you to make your financial goals a reality. Next, you need to discuss your plans with someone else. It can be anyone, whether a partner, your children, a friend or even a co-worker. Telling someone about it gives you accountability towards your goals and does not let you off the hook for it.

Next, you need to have a set of goals to work towards. There is no point is starting a budget worksheet unless you have a goal that you are striving to achieve. Without a goal sheet, any extra money you do save from your budget worksheet will have no real purpose and will be far easier to spend. Having a written set of goals helps to keep you on track.

What a worksheet cannot do is give you the ability to foretell the future. While a worksheet is a great layout for your current financial situation, it cannot anticipate potential changes that may occur in your life that may drastically affect your finances.

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There are a couple of options for software to do this tracking for you. You can get dedicated software that is specifically designed to track your finances, or you can either buy or create a spreadsheet in software such as Microsoft Excel to handle it for you. Which option is best really comes down to how much work you want to do and how customized you want the solution to be.

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