Tracking Your Net Worth, Budget & Investments

[MissChievous]

^ I feel you. No app can satisfy my needs. We have the same worksheets! Pero sakin sa Expenses worksheets ko na nilagay yung ATM tracking ko.  Sa first page. I list down the balance tapos the debits and the credits. Para i see them all at once.

My Healthcare worksheet is like a Savings Worksheet. Nakalagay total price tapos kung naka ilang percent na ako ng pay. Kung ilan pa kelangan ko ibayad.

Yung MF worksheet mo you did that by yourself, naka  connect na siya sa Internet? Do you have any tutorial sis? I am planning to open MFs in a couple of months and I need to track them down na rin. Hehe. TIA!

[melodymedley]

@MissChievous: Yung sa MF worksheet ko, eto ginawa ko:


1. I downloaded the XML file of Philequity sa website nile. Sa Philequity page, sa left corner kung saan nakalista yung NAVPS of the day, may orange button. The button will lead you to the XML code. I saved file sa drive ko.

2. In Excel, Data menu>From Other Sources>From XML Data Import
3. To select the data source, navigate to the XML file that you saved.
4. May alert questions, OK, OK lang.
5. The Excel will load the NAVPS of the day
6. To update the NAVPS values, click Data>Refresh All. The values will automatically refresh (dapat connected ka sa internet)

I think may XML din for the stock prices pero sa MSN Money nakikita. Not sure where there though.

[MissChievous]

^ Thanks sis!!  

[IronLady]

Mga sis! May problem ako sa tracking ng pera ko.. Haha! And yun ay dahil sa cc.. Tnitreat ko kasi sya as expense lang once due na.. Like kung kelan ko sya babayaran.. That month ko sya ip-plot.. Hindi ba ok yung ganun? Any other recommendations?

And question pa.. Since tumatanggap tayo ng pay for example every 15th and 30th.. Yun ba ang start ng count nyo pagbudget?  So [textspeak!] matatanggap ng april 30, ibabudget mo yun para sa may 1 to may 15 expenses? 

[ikaela]

^I don't see anything wrong with treating credit card bills as a monthly expense... unless you are overcharging and don't keep track of what you pay using your credit card. You can try this: every time you charge something on your credit card, deduct it from your balance/budget at the end of the day, and already set aside that money. That way, you can keep better track of your credit card charges, and know exactly how much you have left in your budget. And since you already set aside the money as payment, you won't be tempted to spend it or treat is as extra money.

Mukhang iba-iba ang sistema ng mga sisses natin dito sa pagbubudget. If the get income --> then budget every two weeks system works for you, then stick to it. But why would you only budget once you get your salary? Usually naman may set na expenses na ang family mo. And if you're a salaried employee, then you know exactly how much to expect every 15th and 30th of the month. Very easy to make a budget kapag ganito ang setup.

[j.adore]

Ang tiya-tiyaga niyo mag Excel! Tried it once before from scratch eh di maayos dating.

For those who are willing to spend, I'd still suggest Quicken

[IronLady]

^^ sis siguro limit ko na lang gamit ng cc ko.. Actually recorded lahat yun, masipag ako sa ganun. Kaso deferred nga ang treatment ko sa kanya kasi every due ko lang sya ibabawas.. Kaya i decided to limit na lang. Parang budgeting na din..

About naman sa pagtreat kung kelan magbudget.. Nahirapan ako dito kasi i was living paycheck to paycheck.. Gusto ko yung pumapasok yun lang gagastusin ko.. Minsan kakatanggap ko pa lang ubos na sa bills ko.. Wala ng allowance for food and transpo sa mga susunod na araw.. Hays.. Deficit kya yung savings ko nagagalaw.. Sana this time maayos na.. Trying to stick to the budget talaga..

[MissChievous]

^ Ok lg naman yun sis, ako yung budget ko is dynamic. Naka encode na yung mga gagastusin ko di ba. Pero ni re-red font ko siya pag hindi pa siya nakaltas sa pera na meron ako. I black ko lang siya once nabayaran ko na siya talaga. SO parang naka budget na siya per month tpos reminder na lg yung color if nabayaran ko na nga or hindi pa.

And then with your budget, ako kasi monthly talaga. Alam ko na kc magkano ma re-receive ko. Tapos alam ko na din yung ano gagastusan ko. Ngayon lg umokay yung cash flow ko. Dati deficit din, kaya I hustled. Nag online jobs. So parang ngayon ok na. I suggest you build another stream of income pa sis.

Ngayon ako, everything I do, I make sure na hindi wasted. After my day job, I blog. I write for clients. Kc nga sayang oras. Hindi na ako nanood ng TV. TV shows na lg sa laptop yung pahinga ko. Hehe. At I feel restless if nag tatambay lang ako somewhere. I figured I could make use of that time to for my side hustles.

[IronLady]

^grabe sis.. napakasipag mo naman! good for you my other income stream ka pa.. wala pa kasi kong capital eh.. pero sana makaisip ako ng business din, parang di ko na kasi kaya mag part time job pa.. wahaha! tamad ko lang..

[angelparvian]

i only have my own excel file. i would try that budgetpulse.com. thanks for sharing

[MissChievous]

^grabe sis.. napakasipag mo naman! good for you my other income stream ka pa.. wala pa kasi kong capital eh.. pero sana makaisip ako ng business din, parang di ko na kasi kaya mag part time job pa.. wahaha! tamad ko lang..

Naku sis. Natatamad na din ako minsan sa sideline. Lol. Nag blog pa ako for added income. Medyo mahirap i-maintain. Dati kumikita yung blog ko sa blog post opps. Now, target ko is adsense. Aside from that, gusto ko na din mag start mag ipon for business.

Carry natin to. Have to update pa my excel sheet. May bagong sheets ako -- Mutual Fund Tracker. Kasi kakastart ko na mag MF last month.

[chiqmom]

I am using excel din, but thanks I will check out https://www.budgetpulse.com//.

[Annie M.]

I am using excel din, but thanks I will check out https://www.budgetpulse.com//.

maganda yung budgetpulse. you can also disclose your log in details to your husband/partner para pwede sya mag-ammend ng budget. etc.

i have given my fiance access to it, inupdate na rin nya -- he added his assets and liabilities. so now we have a clearer idea of where we stand financially. he can also make changes to the budget tapos kita ko agad.

[girlush]

naiinspire ako dito kay Sis Ikaela. Basta investment active na active. Financially literate :-)
Im just starting to track my expenses using an excel.  And ngayon ko nalaman yang budgetpulse.com. Try ko yan sa restday ko. I'm working abroad for almost 4 years,pero jan sa pag track ng expenses hindi ko ginagawa. Recently nga lang.....

[ikaela]

^Hala, huli! You caught me!

You can also try ClearCheckBook.com. I started using it at the start of the year and so far so good naman

[girlush]

Thank you very much sis. :-)
try ko yan
I was also surprised na meron palang thread dito sa female network about investment kala ko puro kakiyan lang hehe
 

[empire_maker16]

hi mga sis.. can someone share their excel files.. i mean yung format lang with link sa ba yun? meron kasi din ako mga Mutual Funds, UITF, Insurance, Stocks etc. so ang hirap mag form ng maganda at maayos na format.. medyo lowtech ako kaya hindi ko alam kung magegets ko yung mga nakapost na free software/apps dito..

[ikaela]

^Have you tried the templates that you can download straight on Excel? When you click on "New" to start a blank workbook, a window opens where you can select all sorts of templates.

You can also go here for more templates: http://office.microsoft.com/en-001/templates/?CTT=100&origin=TC006206279

[girlush]

^Have you tried the templates that you can download straight on Excel? When you click on "New" to start a blank workbook, a window opens where you can select all sorts of templates.

You can also go here for more templates: http://office.microsoft.com/en-001/templates/?CTT=100&origin=TC006206279

Thank you so much sis Ikaela. I didnt know na meron palang available template for the budget. I downloaded  [textspeak!] personal budget.
I tried the budget pulse, hindi ko maintindihan hehe

[chubs]

Hi mga sis, i want to start organizing my finances, i have no debt naman, since im still single, living with my parents and working in our family business, so basically all my needs are covered and my salary goes to savings, wants and a bit of my need like car insurance, gifts...

I just want to organize, track my cash flows, investments and be frugal as much as possible still

Im not sure where and when to start, since its already 3rd quarter of the year... parang i want to start at the beginning of the year nalang .... then i will use my savings to spend next year, para naka budget na, even the annual expenses, then all the income for year 2015 will be saved, budgeted and used for 2016....

ok kaya to....