To create a budget table with a clear structure and convenient update, you can follow the following steps: 1. Clarify the income and expenditure categories, such as wages, side job income, fixed expenditure, variable expenditure, savings investment, etc., and be listed on the left side of the table; 2. Set the four columns "date", "category", "amount", and "notes", and use data verification and currency format to improve accuracy and intuitiveness; 3. Use the SUMIF function to automatically count the total income, total expenditure and balances, and use the pivot table to analyze consumption distribution; 4. Update the data regularly and weekly, review and adjust the budget proportion every month to ensure that the budget is reasonable and effective. Adhering to recording and reviewing is the key to mastering financial situation.

To create a budget table, Excel is a useful tool. It is flexible, customizable, and can be automatically calculated and displayed. The key is to have clear structure and clear classification, and to facilitate daily updates.

1. First clarify your income and expenditure categories

Before starting your move, think about your monthly income source and fixed expenses. Such as salary, part-time income, rent, utility bills, transportation, catering, entertainment, etc.
This step is the basis. The more reasonable the classification, the more accurate the follow-up tracking is.

Suggested practices:

• Income category: wages, side job income, other income
• Fixed expenditure: mortgage/rent, insurance, loan repayment
• Variable expenses: food, transportation, entertainment, shopping
• Savings and investment: fixed deposits, fixed fund investment

List them in the left column of Excel as the Category column.

2. Build a basic table structure

Open Excel, create a new worksheet (Sheet), and set the following columns:

If you want to make a monthly budget, you can add another column of "months" or create a Sheet for each month directly.

Tips:

• Use Data Validation to make a drop-down menu in the "Category" column to avoid manual input errors.
• Set the amount to "currency format" to look more intuitive.
• Highlight large expenditures in conditional formats and remind yourself to pay attention to your consumption habits.

3. Automatic statistics using formulas

This is the most powerful place in Excel. You can add a summary area to count the total monthly revenue, total expenditure and balance.

For example:

• Total income: =SUMIF(類別列,"工資",金額列)
• Total expenditure: =SUMIF(類別列,"食品",金額列) SUMIF(類別列,"交通",金額列) ...
• Balance:總收入- 總支出

You can also use a Pivot Table to quickly view the distribution of expenditures in different categories, which is helpful for analyzing consumption habits.

4. Regular updates and adjustments

The budget is not one-time, but requires continuous maintenance. Take a few minutes a week or monthly to update the data so that you can truly grasp your financial situation.

Several practical suggestions:

• Spend 5 minutes every weekend to sort out your weekly expenses
• Review the expenses of last month at the beginning of each month to see if there are any overspending
• If certain categories are frequently overspending, consider resizing budget proportions or cutting non-essential expenditures

Basically that's it. It is not difficult to make a budget in Excel, the key is to keep recording and regular reviews. It can be a little trouble at first, but once you form a habit, you will find it really helpful to control your spending and plan your savings.

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