This is simple to use. Just work your way through each category, entering the total amount you spend in a month. Then insert the number of the month you wish to calculate your expenditure.
In the income section, simply input your earnings, plus any other income, for example rent from a lodger or property, share dividends etc.
If any category doesn't apply to you, just leave blank.
When you've finished, click 'calculate' and the total will be revealed. A figure is prefixed with a minus (-) symbol, denotes how much over budget you are spending. _____________________________________________________________
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