If you have spent any time at all working at marketing on the web, you will have a long list of affiliate programs and membership sites that you have joined. You may also have a long list if websites that you run. Believe me, if you don‘t yet, you soon will. Other lists that you may have are search engines or article repositories that you work with. How many times have you had to search through your old emails trying to find your access code for one of those programs or websites? If you are like me, the answer is way too many times! Well, here is an easy solution. And it is one that probably came with your computer. Remember that free office suite that was advertised on the box? It probably had a spreadsheet as part of it. Now is the time to take it out and do a test drive.
For each of the items listed, decide whether they are monthly, quarterly, or yearly, payments, then repeat the monthly amounts in all the columns that apply. For example, monthly payments will go in all 12 columns but quarterly in only in the four columns when payment is due. The next stage is for you to consider what other necessary expenditure will come out of your income every month. These other expenditure items probably do not show up as regular payments in the first stage, though individual payments may. These items may include food, household goods such as detergents, car maintenance, petrol (gasoline), and fares, which are essential to you, and you need to budget for each month.