Here at Bottomline, budgeting has never been easier! Not only are you able to know the lowest that you home finances can go in the entire year; now you are able to track you bank balance as well. You ask why? Because trends in spending can, overtime, lead to trouble for you and your family. Most people only look ahead in time a couple of weeks, when considering their finances. Our budgeting spreadsheets in 2011, will allow you to graphically display your bank balance as a means of avoiding sudden dips in your banking account.

In looking at the example above, this person without a graph would assume that all is fine until he gets into the last quarter of the year. Then the problems start….money gets tight… plans go on hold…. Christmas savings dwindle, etc. Now…what if in January, you could know about this sudden dip in your banking account? This kind of information is priceless! 

There are only, a very few families that record every penny they spend. For that reason, overspending is unavoidable, and an adjustment to your daily budget becomes necessary. Yet, overtime some families tend to rely more on adjusting their budget, then on setting up their budget to properly reflect what they actually intend to spend. Here at Bottomline Budget, we would like to help! As part of our Family Home Budget 2011 spreadsheet, you will be able to track any overspending. From your smallest to your largest adjustment; and from your average to your total over time. 

With our easy to understand graphs you can manage those unexpected expenses that seem to crop up in life. Simple create a daily expense called "miscellaneous". Then place into that item, an amount close to the "average adjustment per week". With this practice, you are not trying to budget every little expense; and your budget will better reflect your spending habits.