The Penny Pals’ easy to use spending plan template will help you budget your income, track your spending and save following The Penny Pals recommended saving pots.
The formulas have already been input into the document and The Penny Pal calculator will automatically calculate your budget for the month based on your income. The document includes an instructions page with a step-by-step guide on how to use the sheet.
The spending plan has been set up to last just over 1 year (Jan 2019 - Mar 2019) giving you plenty of time to get into the habit of sticking to a spending plan. The sheet is set up ready to be personalised for your use and locked with a password (provided with receipt) so your finance information is kept safe!
Knowing the state of your financial affairs back to front is one of the best ways to make sure the cash keeps flowing. Staying on top of your finances means you can avoid unforeseen business debt and have enough money to invest in and grow your business.
You have probably had a moment or two when you have boasted about how much of a good multitasker you are. Doing emails while walking, on the phone or in meetings. You are probably thinking you are being productive by pairing items on your to-do list, well, sorry to hit you with a hard truth but you cannot multitask.
