Smart Budgeting Tips

• Start by reviewing your latest bank statement — knowing what comes in and what goes out is the foundation.
• Needs are your essentials: rent, food, utilities. Log these first to see your survival baseline.
• Wants include dining out, subscriptions, and leisure — tracking these helps reduce overspending.
• Debt ideally stays under 20% of your income. If it’s higher, prioritising repayment can bring faster financial relief.

Looking to go further? Choose a tool that fits your style:

✅ Prefer simple & quick?
One-Tab Monthly Tracker (Google Sheets) — clean, fast, and easy to use.

📊 Want the full picture?
Complete Finance Tracker (Excel) , includes:

• ✓ Debt payoff tracking
• ✓ Savings goal planning
• ✓ Auto-calculated budgets
• ✓ Monthly and yearly summaries

All you need is your bank statement — the rest is automated.