Did you know that cross with roses tattoo designs has become the hottest topics on this category? Did you know that warrior angel tattoo designs has become the hottest topics in this category? I’ve been diligently managing my personal finances and tracking household expenses for more than 20 years.
I can also verify with total certainty that 7% of my income in 2007 went towards groceries, and vouch that I spent $88.95 at my local K-Mart in August 2001. Taking the time to track and analyze your income and where it’s going is a crucial element of managing your personal finances.
While not impossible, trying to track all your cash purchases can be extremely tedious and time-consuming.
Now I realize many people are initially attracted to sites like Mint, OneBudget, Adaptu, and MyBudget-Online because their automation features essentially make the job of tracking your money almost effortless. For me, the more old-school hands-on approach is the only way to go; I use my own custom-designed Excel spreadsheet because it forces me to actively manage my personal finances.
In fact, every January I give my readers a peek at some of that spreadsheet’s top-level graphs and financial breakdowns in my annual State of the Household post. Although the custom Excel spreadsheet I developed was quite simple in the beginning, it has grown in detail and complexity over the years, with pie charts and graphs that clearly show the results of our household spending and current trending patterns. Today, my spreadsheet breaks out our household expenses into 13 major categories and 50 subcategories.
If you don’t want to spend money on a spreadsheet such as Microsoft Excel, you can try the free equivalent from OpenOffice. Once you’ve effectively disciplined yourself to always spend less than you earn, tracking expenses becomes a viable alternative to budgeting that allows you to focus on optimizing your finances in order to get the most bang for your buck.
I originally used excel but switched to quicken when I found a free version laying around my apartment.
My Grid now has the capability to know (and tell me) when a vehicle needs an oil change, two weeks before it is due. This may not always work perfectly when groceries are involved because not all groceries are taxed, but it is close enough for government work!
The spreadsheet is great because you can easily summarize columns and link numbers from tab to tab to compare month to month. I’ve used Microsoft Money for more than a decade now for my personal finances and love it. I bought a day planner for 99 cents and use the month pages to track all of my daily spending that is not regular bills (since January). If you have a small business, gift certificates or promotional coupons can be useful marketing tools. This is another printable gift certificate like the one above, but with a more formal style.
Each of the gift certificate templates above contains a place to record the Certificate Number. It is vital that you keep a record of the gift certificates that you issue, including the Recipient's Name, Date Issued, the Amount, Expiration Date, and the unique Certificate Number. Another technique to help discourage copying is to always print your gift certificates in color.
If you choose to print a number of blank gift certificates, you only need to edit the company information and the fine print and maybe add a logo to the template.
If you are filling out pre-printed blank gift certificate by hand, use a non-washable pen (like the ones made by Uniball that you would use to write checks with).
It is probably not a good idea to edit your tracking log in front of a customer, because they would be able to see the other names, amounts, and numbers on the sheet. These gift certificate templates are designed to be edited and then printed in large quantities.
An HSA is a savings and spending account that offers members a tax-advantaged way to pay for qualified medical expenses as well as a way to save for the future.


The HSA may also reimburse you for qualified expenses not covered by the health plan as outlined in IRS Publication 502. Since the funds in your HSA account roll over year after year, you can build a considerable balance over time.
Assume you contribute $2,000 annually into your HSA and only use $500 on medical expenses each year.
You may also choose not to use the funds in your HSA and save them for future medical expenses.
There are a few rules that govern the amount you can contribute to your HSA on an annual basis.
You can use the account for non-health-related expenses; however, any funds used for non-qualified health care expenses under age 65 are considered taxable income and may be subject to a 10 percent penalty.
However, the funds would be considered as ordinary income and subject at your individual tax rate. You, your employer or anyone else may make tax-free deposits into your personal HSA account. The self-employed can only take an above-the-line deduction for their premium and HSA contribution. That’s because doing so uncovers hidden money leaks that help you better allocate your resources, thereby ensuring you always get the most out your paycheck. On the other hand, everything purchased on your credit and debit cards are automatically recorded and available for review online or as part of your monthly billing statements — which is why I use credit cards for as much as I possibly can. The trouble is, in the world of personal finance I believe too much automation can be a curse. In fact, their personal budget worksheet template has been downloaded over 3.6 million times.
Yes, spreadsheets are extremely powerful tools for those who know how to take advantage of all they have to offer. As you and I both know, they can be used for a lot more things than finances; even stuff completely unrelated to math. But my spreadsheet slices and dices the household expenses, as the saying goes, six ways to Sunday. When you enter your totals into your Excel workshop for say groceries, do you enter the amount you paid plus the sales tax, or do you leave the tax out and put it in a separate category? With the entrants such as CollateBox the stage is set pretty big, I have been privileged to use Collatebox for managing and tracking sales n finances n am enjoying the tool. I just recently got married and was comfortable using a basic version of quicken on my laptop.
If you are looking for a Gift Certificate Template, you might not realize that you also need a way to record issued gift certificates and track when they are redeemed.
The idea is to print multiple blank gift certificates and then let the customer choose what color they want.
This number must be unique to prevent someone from duplicating the gift certificate and redeeming it more than once. This won't prevent the really determined criminals from making copies, but it will help prevent the casual not-so-criminally-minded individuals from making simple photocopies. You might want to consider using carbon paper or creating a quick photocopy of the gift certificate so that you have a copy for yourself that you add to the tracking log later. The HSA is combined with a qualified High Deductible Health Plan (HDHP) that can be funded with pre-tax dollars. The $1,500 a year you save in your Health Savings Account continues to earn interest, tax-free, year to year.
As long as you are covered under an HDHP for the next 12 months, you can contribute the maximum set by law, which for 2009, are limited to $3,000 for single coverage and $5,950 for family coverage. Your savings account dollars are available for any IRS qualified medical expenses, even if your health plan does not cover these expenses.
There is no penalty if you withdraw the money and are age 65 and over for non-health related expenses.


You will need to account for all disbursements from your HSA when you file your income taxes. Regardless of how your S corporation or LLC is structured, the only way you can structure your HSA contributions is as an above-the-line deduction. We got this picture on the internet we believe would be one of the most representative images for name design tattoo. We had taken this image on the internet that we feel would be one of the most representative photos for cross with roses tattoo designs. We took this picture from the net that we think would be probably the most representative pictures for warrior angel tattoo designs. That’s because when money management tools become too user-friendly, a lot of folks have very little incentive to understand the data being made available to them. But for most folks, the basics needed to properly track expenses can be learned in less than 30 minutes.
You can also take advantage of the free personal finance templates provided by Google Docs or Savvy Spreadsheets. I’ve got about 25 different worksheets covering every year of expenses, plus summary sheets, pie charts, line graphs and other goodies. Each time I spend I just write it in the spreadsheet and I clean everything up once a week.
In addition to the various free gift certificate templates that we offer below, you can download the Excel spreadsheet which contains a Gift Certificate Tracking Log. Larger businesses will generally have a system for printing certificates with bar codes so that they can be scanned and tracked in their database. If you like these templates, you are welcome to link to this page from your blog or website.
Account balances can be carried over to the following year to pay for future qualified medical expenses or can even be saved for medical expenses incurred after retirement.
You can use the funds, tax-free, to pay for qualified medical expenses now and in the future. If you earn 5% interest on your money, your account could be worth over $49,000 after 20 years!
However, expenses for non-covered services under the health plan do not count toward your HDHP’s annual deductible or out-of-pocket maximum.
But you can no longer make contributions to your HSA if you’re not with an HSA-Qualified HDHP. You are responsible for keeping accurate records of all HSA financial transactions for your annual tax return filings.
In addition to groceries and monthly bills, I’ve realized my expense tracking will now have to include a large array of categories that are not easy to track via quicken.
It was a political impossibility in the HSA legislation to make the necessary change in law to allow pre-tax contributions for LLC owners, S corporation owners or the self-employed. I love a great deal and enjoy helping others learn how to shop smart, save money, and live a life rich with the things that really matter. I’m an account by profession and I can definitely understand the interest in details as well as the unlimited possibilities in analyzing the trends of a personal budget. Money can be withdrawn tax-free as long as it is used to pay for qualified medical expenses.
What I like to to do is auto-pay everything weekly, so I don’t even have to think about it.



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