Spending Tracker Template 1: By Bank Account Reconciliation

	A	B	C	D	E	F	G	H	I
1	This spending tracker template is the format that I personally used to use for years before discovering YNAB (YouNeedABudget.com). This design is meant to always reconcile with your bank account balance and also track spending by category. At the bottom, it automatically tallies your savings rate, which I find a positive motivator.
2	3/1/2018	Starting Balance
3	2124.43		Expense	Budgeted	MTD
4	Income	Description	Rent	1739	1000
5	1200	paycheck 3/12
6	50	venmo				BA 3/2
7	31.5	bday gift	Groceries	208	59.94	59.94
8
9						shell 3/4
10			Gas	50	15.99	15.99
11
12						comcast
13			Utilities	115	75.88	75.88
14
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16			Car Payment	357.54	357.54
17
18						chipotle	Tiger LIly	Panera	berkeley espresso
19			Eating Out	125	52.33	17.7	25.85	5.28	3.5
20						ironworks	yoga CP	hulu
21			Leisure/Ent	125	126.99	10	109	7.99
22						BOAS
23			Savings	500	300	300
24						3/26
25			Credit Cards	0	211	211
26						walgreens 3/1
27			Miscellaneous	290	4.57	4.57
28						whittaker jacket
29			Misc. cont.		167.4	167.4
30
31
32			Total Expenses	3509.54	2371.64
33	1281.5			Balance	$1,034.29		Savings Rate:	23.41%
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