Description:

An Excel workbook to help you create a budget that recognizes not only your explicit expenses (rent/mortgage, utilities, groceries, auto insurance and registration, and the like), but also implicit expenses: the money you implicitly spend by gradually wearing out things you must replace (car, tires, mattress, tv, furniture, and the like). By structuring your budget so that these implicit expenses are also recognized and accounted for, you'll find that you control your paycheck instead of its controlling you. More information, other links, and user reviews (see "comments") are available here.