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Money Tracker

Money Tracker webpage

Money Tracker Guide with Sarah Tucker

Hi, I’m Sarah Tucker, Founder & CEO of The Mortgage Mum and the creator of The Money Tracker.

Here is a small guide to your Money Tracker spreadsheet. At the end I go on to say, please do add the credit card monthly payment or balance to your “Still to be paid” section. Each month, you can duplicate this, and analyse the data each quarter to start to see trends. I’ll talk more about this in my money series!

Love Sarah x

Please note – the link above is a non editable Google Sheet. Please make a copy of this spreadsheet to edit.

8-Step Guide to Using the Money Tracker Spreadsheet

  • Enter Income: Add all your earnings in the income section.
  • Input Starting Balance : Record your starting bank balance for the month.
  • Log Fixed Expenses: Add regular bills (e.g., rent, utilities) under spending.
  • Track Variable Expenses: Record all other spending in the correct categories.
  • Use Categories: Use the categories page to organise your expenses.
  • Identify Big Expenses: Highlight your biggest bill and non-bill expense.
  • Review Monthly Totals: Check the summary for total income, spending, and remaining balance.
  • Analyse Trends: Look for spending patterns to adjust your habits next month.

*Please note – you may need to download ‘Adobe Acrobat’ to edit the Money Tracker (it’s a free downloadable pdf reader)

Or use online below

Welcome to The Mortgage Mum’s Money Tracker to help you better understand your income and expenses. Whether you are a first time home buyer trying to establish your current expenses and what may be left over to help you understand how much monthly mortgage payment is affordable to you or a home mover trying to ascertain how much you can buy the next property for. It may be that you are just trying to better understand your finances!

How to use the Money Tracker.

Values must be greater than 0 and contain no more than 2 decimal places.
Each box has the option to calculate daily, weekly, monthly, or yearly. Select the appropriate option for each item. If an item is not applicable to you, leave the input box blank (this will be counted as 0). If more boxes are needed you can create more by clicking the + button and remove them by clicking the ✖ button. Once all of your details have been entered, click the calculate button to view your monthly budget results. Form data can be amended and re-calculated if you wish to see how the changes impact on the results.

Income

Add more boxes

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