![]() The budget calculator is doing the simple adding and subtracting of your income and expenses, but sometimes you need the help of a non-profit organization like the Credit Counselling Society to get it to balance. Play around with your numbers and see what it will take to live within your means and change the rest of your life! If You Can’t Get the Budget Calculator to Balance, Contact the Credit Counselling Society If you fill out your budget spreadsheet and your expenses outweigh your income, then you’re only going to go further into debt. The goal is to get your expenses (including debt repayment and savings) to be less than, or equal to your income that you bring in every month. This free budget calculator spreadsheet changes lives every day by teaching people how to budget, save, and become debt-free once and for all. How This Free Budget Calculator Spreadsheet Can Change Your Life and Teach You How to Budget It will also help you learn how to trim your spending so that you have the money to set aside in savings for short term goals and long term plans. Using the budget calculator spreadsheet will help you identify the different types of expenses that you need to plan for, and how much to save for each. Then it can feel like your budget is off track as you try to get out of debt. Expenses that you don’t expect, or which don’t occur on a monthly basis, can cause you to reach for a credit card. A Savings Calculator Is the Secret Weapon Against DebtĪ savings calculator is built right into the overall budget so that it’s easy to see how much money you need to set aside for annual, emergency and unexpected expenses. On top of that, it’s easy to use, does all of the math for you, and keeps a running tally to see if you are living within your means, or way beyond them. ![]()
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