Last week, I shared a list of 16 alternatives to Microsoft Money. These applications offer a variety of solutions for managing your personal finances.
But not everyone wants to use a specialized computer program to track their spending. Many Get Rich Slowly readers (including my wife) are content to manage their money with a spreadsheet. Spreadsheets are easily customizable, and if you know what you’re doing, they can actually be a lot more powerful than standard personal-finance software.
You spreadsheet wizards may want to check out personal finance templates from Google Docs. These documents are part of Google’s template gallery, and are freely available for personal use. Don’t like Google Docs? It’s easy enough to export these files in XLS format so that you can use them with a desktop spreadsheet program.
There are currently 33 personal-finance templates in Google’s library:
- Use the checkbook register or the bank account ledger to track your spending.
- Build a budget with the family budget planner or the personal monthly budget.
- Plan your future with a savings calculator.
- Track your debt with a credit card payoff calculator, mortgage payoff calculator, or a simple loan calculator.
- There are even specialized tools, such as: the wedding budget manager, the shared house expenses tracker, road trip planner, auto expense report, and more.