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How to afford a fun life
– moneysense.ca
It’s that time of year again when Canadians start to climb the walls. Fed up with winter, bored with streaming marathons on the couch and itching for a change of scenery—and, let’s face it—some fun. But rising living costs—including food and rent—make it hard enough to squirrel away a few bucks for the future, let alone stash cash aside for experiences like concerts, events, and, god forbid, a vacation. And those “funflation” costs are rising, too. Many of you might ask yourself if you can afford a fun life with everything you need to juggle on a low income. And despite what may feel pretty grim, living an exciting life is still possible with some financial planning magic.
So, how much should the average young Canadian be saving—and already have saved—in order to plan ahead for the future and lead a fun life? Join us as we explore how to save money fast, allowing you to afford the fun experiences you crave.
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MoneySense’s free Excel template for your monthly budget
– moneysense.ca
Download:
MoneySense monthly budget Excel template
Instructions:
Click the link or image above to download the spreadsheet tool.
Open the file. Enter your personal and household expenses in the columns titled “Planned” and “Actual.” You can use the “Insert” function to add new rows or the “Delete” function to remove them as needed. The “Budget balance” table will calculate the total automatically, even if you delete rows or cells. Note: Avoid deleting the “Subtotal” row in each table, as this will affect the budget balance calculation.
If you customize the spreadsheet, be mindful of the formula in the “Budget balance” section. Remember to update it if you add another category to the budget, for instance.
Budget template spreadsheet has been updated as of Jan. 3, 2024.
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More on budgeting:
How to create a monthly budget: A step-by-step guide for Canadians
Debt demystified: How to calculate your debt
How Canadians can save money on gas, grocery, cellphone and other home bills
How to calculate your debt-to-income ratio—and why you should know this number
The post MoneySense’s free Excel template for your monthly budget appeared first on MoneySense.
