I have a monthly budget. This makes my life 1000% easier than people who don’t because I am financially ahead. I want you to be ahead also and your life to be easier. Here is a great spreadsheet:

Cash Flow and Potential Savings v1.2

Change the yellow boxes. Other boxes have formulas. Use this spreadsheet to identify financial changes, challenges, and opportunities with an upcoming life change. Enter your monthly income and expenses for your current situation, then enter the same information for the future and quickly see the changes. Finally, see how much you will save over time with a monthly savings allocation.