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This spending tracker template simply relies on a single number spending goal. You can adjust this to be a per-paycheck or per-time period goal. In this case, this person determined that they could spend $1,000 each month and still save for their other goals and pay down other debts. The goal is for all other spending to remain under the goal amount you set in B3. Each purchase or transaction you make should be recorded below in columns A through C (merchant and what it was, amount, and then if it was a need or a want).
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Monthly Overall Spending Amount:$1,289Key:
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Amount left to spend this month:$1,214.00Need
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Purchases for this month:Want
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Safeway - groceries and misc$18.00Need
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Macaroni Grill - with Sophie$27.00Want
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Arco - gas$30.00Need
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