Excel templates to control your household expenses
💡 Quick Tip
Organize your family economy professionally without being a spreadsheet expert. Discover how a good Excel template can automate your finances, classify your daily expenses, and show you visually where every cent goes.
Why Excel is still king
Although many mobile apps exist, an Excel template remains the most versatile and private tool. It allows you to see the big picture without ads or premium subscriptions.
Key elements of a good template
- Transaction log: A simple table with date, concept, amount, and category.
- Monthly summary: A dashboard that automatically sums up spending.
- Budget vs. Actual: Compare planned vs actual spending.
- Visual charts: A pie chart of your expenses.
The habit of tracking
Create the habit of sitting down for 10 minutes every Sunday to transfer bank movements to your Excel.
📊 Practical Example
Practical example with real numbers
Imagine your household income is €2,500. You budget a maximum of €400 for groceries.
On day 20, you input a receipt, and the "Actual Grocery Expense" cell hits €380. The "Difference" cell turns orange, warning you have only €20 left.
Thanks to this visual alert, you decide to use food from your freezer instead of making an €80 shopping trip, saving your monthly budget from failure.
