How To Budget Your Money (Free Excel Sheet Provided)

Free budget excel sheet:
docs.google.com/spreadsheets/...
How to download, press on the top left column:
"File"
"Download"
"Make a copy"
Chapters:
0:44 Income - Expenses
1:10 Fixed Expenses
1:23 Variable Expenses
2:12 Excel Sheet Walk Through
8:10 Budget hacks/tips to save more money
8:40 Grocery Shopping Hacks
10:33 Income/Expense/Savings Graph Explanation
I made this video in response to the comments on the video that I had posted a few weeks back titled "My Story." The comments that you guys suggested were budget videos and how to save/invest money. I wanted to put this video out before the investing side, because you need a foundation before putting up the whole building. If your finances are built on sand, you will most likely fall down!
A strong foundation is key in personal finance, and I hope you guys use this excel sheet religiously like I do every single month. I usually start filling everything in the 1st week of the month. I am a visual learner, and numbers guy. I graduated SJSU with a business degree, so numbers and graphs are my language!
If this helps you out, please feel free to leave a comment, so that I know that I am actually providing value. This template is totally free and clear for you to use in your daily life. It takes time to build up the excel sheet and fill out all the info, but once you get like about 3 months of expenditures in there, the graphs then start to make sense, and you can make adjustments where needed.
I usually try my best to focus on food, because that's the best controllable item in the budget. If you are careless, you can really spend a ton of money on food without noticing it. Once you start to track, you'll realize everything! Happy budgeting!
-Nico
Instagram: / travelwith.nico

[@solache281]

Good job bro. Thanks for taking the time to make this. Wishing the best for you. Great attitude and energy will take you far.

[@NicoMurillo]

Thank you! Yea this took me almost all day to make! Hope it helps

[@hdcsp3]

Right on Nico. Thanks for taking the time and hooking us up. This is so great. Keep doing brother.

[@chowchillachuck]

As a retired banker, I wish more young people got this. In all honesty, I was middle aged before figuring this out. Staying on budget allowed me to retire comfortably when some of my older colleagues virtually died on their jobs.

[@Paulie44]

I was the same, it was 2018 and I was 44 years old when I eventually figured out I needed to manage my finances better as retirement was within sight. A short 5 years later I had saved a load of money and purchased a few rental properties.

[@robertmackay7608]

Thanks Nico, This excel sheet is great. I really needed to start budgeting and this is going to be great help. I really appreciate the video and the breakdown.

[@davidglad]

Frankly it's as easy as logging every receipt/outflow on a spreadsheet to see what your expenses look like. Along with a pro forma end of month balance sheet that shows what your situation looks like.

[@NicoMurillo]

YES treat your finances like a business! Money in money out SIMPLE math!

[@user-Nicole.Corona408]

I love your kitchen specially the color

[@FeIix916]

Thanks so much for this Nico!! Subbed

[@brazilianprincessmusic]

I will start doing this. It’s very simple and helpful.

[@NicoMurillo]

Simplicity is the ultimate sophistication!

[@brazilianprincessmusic]

@@NicoMurilloI absolutely agree.

[@williamread8186]

This is cool. I wrote my own program which I want to show on youtube soon. It seems simpler than this. But what is interesting is your food and supplement costs are way less than mine and you are a physique competitor and I am wanting to be like one. My budgeting is showing $550 per month on food and over $100 per month on supplements and I am skinny and people say I need to eat more LOL. I am also 67 so I am old to go along with all this.

[@NicoMurillo]

$100 is actually enough for me! Vitamins BCAA preworkout protein powder If im low i go to grocery outlet but if i have a lot still left in the budget i go to gnc

[@davidfanene9218]

Ty !

[@ska8er888]

Great info, well prepared. Very helpful 🎉🎉🎉

[@NicoMurillo]

Thank you! What gets measured gets managed!

[@ryancolao2878]

Miss grocery out let since leaving ca.. its def a budget hack, some of the prices were incredible

[@sanmansfishingadventure]

I always have more money going out, than coming in😢😂

[@NicoMurillo]

Gotta draw a line in the sand and say enough is enough! I’ve HAD IT!

[@ska8er888]

You gotta get committed 😊

[@brazilianprincessmusic]

You’re going to be a millionaire. I am believing that for you. I don’t want you to be homeless.

[@thomasauslander3757]

Sleeping in a Tesla is called " California upscale Homeless " .

[@tigergray1100]

I passed by GNC yesterday and I didn't see you there

[@ska8er888]

He's off Wednesdays

[@NicoMurillo]

Yea im off sundays n Wednesdays!

[@NicoMurillo]

You are now an OG subscriber 😎

[@RandyLe-cb2eb]

We need testosterone n human growth supplements 🙏

[@NicoMurillo]

THAT REAL HGH LETS GOOOO

[@LEBATO]

Or you know spend 4 dollars a month on quicken simplify or whatever and let technology work for you.

[@lifeonthewestcoast]

i thought your living in a car ?

[@NicoMurillo]

It takes a while to sell a house and then move

[@marz9586]

Don't take advice from a homeless guy who buys depreciating assets without a steady stream of income.

[@NicoMurillo]

🤫

[@JC-wn1sp]

This has got to be a joke! Taking financial advice from a guy who is loosing his home and can’t pay the mortgage because he bought two Teslas and a home he couldn’t afford living paycheck to paycheck 🤔 pls stop giving money management advice when you my friend couldn’t even do it yourself trying to keep up with the hype . Be humble and stop faking it. Live within your means!