实行个人预算

注意事项

• Fixed expenses are annual, e.g. insurance premiums.

• Split up the annual amount into monthly amounts to be transferred into the Fixed Expense Account.

• It’s a one-time set up effort, but be careful not to let things slip in transition.

• Choose bank accounts that have no fall-below fees. (Fees charged if your average account balance that month is not above a certain amount.)

• Download MoneyOwl budgeting spreadsheet here.