article thumbnail

Family Budget Spreadsheets 2021

Family Balance Sheet

Years ago, there was a month where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. I knew it was coming because we hadn’t planned for all of the gifts we bought in December and used a credit card to pay for them. This is a 12-month spreadsheet.

Budgeting 130
article thumbnail

A Goal Without a Plan is Just a Wish

Family Balance Sheet

However a few years ago, we found ourselves with too much debt and not enough cash. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. As much as I wanted to be a property owner, the extra debt was beginning to suffocate us.

Goals 100