Start LibreOffice Calc and create an empty spreadsheet. You might also want to have a group of expenses with a name like Various for those unexpected expenses we all run into each month. For example, group your gas, electric, and water bills under the heading Utilities. Once you've done that, group your expenses under headings that make the most sense to you. Focus on where you're putting your money. Don't worry about how much you're spending.

Take your time, go through your records, and note everything, no matter how small. Sit down with pen and paper and list your regular monthly expenses. Start by making a list of your expensesĭon't bother firing up LibreOffice Calc just yet. You can use the information in this article with spreadsheet tools like Gnumeric, Calligra Sheets, or EtherCalc. Say you don't use LibreOffice? That's OK. I'm going to walk you through creating a more scannable and (I think) more visually appealing personal expense spreadsheet using LibreOffice Calc. Many folks create a very basic spreadsheet to do the job, one that consists of two long columns with a total at the bottom. There are many ways to do that, but that quickest and easiest way is to use a spreadsheet. You probably need to watch your monthly spending carefully. If you're like most people, you don't have a bottomless bank account.

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