Presupuesto familiar y cuentas del hogar (libro de caja)
Crea tu presupuesto familiar o personal para gestionar tus cuentas del hogar y ahorrar dinero, utilizando esta sencilla plantilla apta para cualquier persona, con contabilidad de libro de caja.
Get started with this template
Esta plantilla se basa en la gestión de las cuentas del hogar. En la tabla Presupuesto podrá introducir todos los ingresos y costes fijos y variables que se prevéen para el ejercicio. Los informes se pueden generar automáticamente, en cualquier momento y le permitirán tener una visión general inmediata de la situación actual y prevista de las cuentas.
Crea un nuevo archivo
- In the File menu, select the New command (from Templates)
- Select Universal-English in Region
- Select Private in Category
- Click Family budget and Household accounts (Cash Book)
- In the active window that displays, enter the headings (ex. Smith family, 2022 Household accounts)
- Save the file with it's name
Enter initial liquidity balance
The initial balance of your liquidity is entered in the Accounts table, Opening column.
Revenue, Expenses and Budget columns are filled automatically and updated by the program, as values are entered in the Budget and Transactions tables.
Categories for Revenues and Expenses are already set up in the Categories table.
Cost centers are also available to indicate the amount of expenses for each family member.
Categories can be adapted by adding other items of expenses or revenues, or you can alter their order.
Expenses are subdivided as follows in the Categories table:
These are costs that may vary and are differentiated as follows:
- Vital (indispensable for living) - Included in this category are the customary expenses such as food, children, pharmacy, transport etc.
- Optional (not strictly indispensable) - Costs such as bars and restaurants, cosmetics, cigarettes etc.
- Culture - such as cinema, books, travel etc.
- Extra - expenses for exceptional events such as repairs, purchase of furniture, gifts etc.
With cost centers the amount of expenses for each family member are on display.
Budget your expenses throughout the year
In order to project your expenses for the whole year, you can enter all income and expenses in the Budget table.
As a fundamental rule for budgeting, check your disposable income and set your objectives to be achieved.
- Determining income it is very simple as it is generally fixed (ex salary, pay);
- Defining expenses might take a bit more thinking, but shouldn't be too complicated either. Start by entering Fixed Costs, for which amounts are known (rent, regular subscription and passes, insurance premiums etc). Next, review all other variable costs. In Categories you can determine those that are vital, optional, culture and extras. Reviewing figures for the previous year, you might get a good idea for a weighted calculation of amounts to be budgeted.
Enter Transactions for the day
Enter the date, description and the amount for Income or Expense. By entering the reference abbreviation of the cost centre (for family members) in the CC1 column, amounts allocated to each of them will be displayed.
Get ready for the moment of truth at month end!
Month end will be the appropriate moment to check your accounts and ascertain wether you have achieved your objectives.
Banana accounting will automatically generate a Balance Sheet for your Household and all you need to do is to verify how much you may have spent or saved, by comparing the actual balances with the respective budgeted amounts. Reflecting on the end-of-month budget will help you to become aware of your own habits and spending patterns. Realizing in time of certain wastes can be useful to form good intentions for the following month. Being made aware of non budgeted expenses will help you implement adjustments for the following month.
- Select Enhanced balance sheet with groups ... in the Account1 menu
- Options for current or budgeted balances are available in the active window that is displayed.
- Click Period in the menu to indicate your desired period (month, quarter, semester, year).
Here's your Balance Sheet for end of January:
You now have a Balance Sheet of your Household accounting at your disposal in a transparent way, without the hassle of having to go through manual calculations. You will have a clear vision of available liquidity and how you have spent your money or made savings.
If you have achieved your objectives, you're allowed to give yourself a pat on the back, otherwise you have the necessary information to make decisions about things to improve in your spending habits to achieve them.