This is my first upload. I'm very excited. I hope this will help people who are trying to get a grasp of how to manage their money. I've been studying the subject for a while, having been deep in debt with several credit card accounts and expenses that seemed overwhelming. My debt was mostly all "bad debt." That is, debt that had already been spent on something that will not provide a return and much future value, i.e. going out to lunch on a credit card or buying drinks for friends, etc. Late payments and over limit fees helped it grow exponentially until I was able to put together a method for me, that allowed me to see my expenses and plan for the weeks ahead.
This is the method that I used for several years (about 4) to get an understanding of my monthly budget and living expenses in order to pay off debt. I use this spreadsheet in conjunction with accounting software.
OMG! This is SUCH an AMAZING post! Thank you for sharing! I gave you a vote!!