A monthly budget is more than how much is spent on groceries and petrol. Sure, you need to keep track of your total expenses. You also need to keep track of how much you save towards retirement and all your other goals. You also need to check if your savings are on track year after year.
I have been using a financial tracker for a few years now and it work well for me. It makes me disciplined. Discipline is the key to financial control and freedom.
Don’t pay too much attention to the investment avenues and amounts. They are only representative for you to get the idea. Modify it the way it will work best for you.
The financial tracker does not have a breakup (groceries, petrol etc.) of monthly expenses. Each ones expenses are different and can be easily incorporated in a separate sheet.
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