Money management tips?

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I use a spreadsheet. I list all my debts at the start of the year, then do a column for each month and go in and add how much I've paid off of each debt at the end of the month. It helps me to know exactly what I owe and to whom. It also is really nice to look back on at the end of the year and see how much I've managed to pay off!

I also have a separate tab for general bills (phone, household bills, car insurance etc). I list our income on it, then it deducts all the bills (and debt payments from the previous tab) then shows clearly how much we have left disposable after bills. I just find it's good to have all your finances in one, easily accessible, place rather than having to go through my bank to see which bills have been paid/which debts are outstanding etc.

I also have a separate tab for savings so that we know how much spare cash we have set aside for emergencies etc,
This sounds really good and would be handy for me as I hate going into my bank account, it gives me the fear! I just wish I was better at designing spreadsheets etc!
 
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This sounds really good and would be handy for me as I hate going into my bank account, it gives me the fear! I just wish I was better at designing spreadsheets etc!
I have a template that I could send over to you if you would like? It's really simple to use and has been a lifesaver for me