Financial Destiny
You have been introduced to Microsoft Excel and are ready to begin using it to help track your monthly expenses and take charge of your financial destiny. The first step is to create a personal budget so you can see where you are spending money and whether you need to decrease your monthly expenses or increase your monthly income.
Create a template for a monthly budget of your income and expenditures, with some money set aside for savings (or you can use the data file, AYK1_Data.xlsx, we created). Create variations of this budget to show how much you could save if you cut back on certain expenses, found a roommate, or got a part-time job. Compare the costs of a meal plan to costs of groceries. Consider how much interest would be earned if you saved $100 a month, or how much debt paid on student loans or credit card bills. To expand your data set, make a fantasy budget for 10 years from now, when you might own a home, have student loan payments, and have a good salary.
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