Money & Bank Account Management Spreadsheet

100saving

Hello,

we all have different ways to manage our different accounts.

but what does your system look like? e.g. Spreadsheet layout etc.

MoneySaverLog

Very basic, just totals for each account, don't even bother with spreadsheets.

Ultimately the goal is to get as much money ISA'd as possible each tax year.

You could possibly set one up to record details like when special rates mature, but I know my 2 year LTSB ISA matures end of February so will look for best rates around March time when ISA season kicks in.

ColdIron

AceMoney for transaction recording and reporting, Google Calendar for events, Excel for portfolio analysis

AceMoney Lite is free for 1 account but I felt is was worth bunging them the $40 for multi-account support

a&akay

100saving wrote: »

Hello,

we all have different ways to manage our different accounts.

but what does your system look like? e.g. Spreadsheet layout etc.

Mine's very simple. 2 Excel columns with JUN 13 in a merged cell above, the left hand one shows the bank account or credit card to be operated on and the right the actions required eg as below. As I action them I colour the cells yellow to show this. The ones below are at the start of the month. With FPs it's all very quick. I cream off the excesses over £5k on the Vantages as I go. I change the name of the actual accounts to those below to avoid confusion - age is creeping up.

SANT 123 OLD - PAY £1000 INTO LLOYDS VANTAGE 1
LLOYD VAN 1 - TFR £1000 TO VANTAGE 2-3-1 AND THEN TO SANT 123 OLD

If a Credit Card date is involved then

M&S CC - PAY ALL £ BY BARCLAYS DEBIT STMT 28 JUN BY 22 JUL
NWIDE CC - PAY MIN PAYMNT £+1 STMT 28 JUN BY 22 JUL

The red denotes that a full payment is required rather than a minimum one on the stoozed cards. With the credit cards I colour the cells in blue when the action's been made and then yellow when the payment shows on the CC. Some are FP and some show a few days later depending on the payment method. This proves the payment as sometimes banks' systems go down or like my Santander FP glitch I pick up on it straight away.

The date affected ones are entered by the next action date down the rows, so throughout the month the sheet goes yellow progressively down the sheet.

I run the following month in the next 2 columns, so I can see this month's and next on the same screen. My Stooze worksheet shows me when a card's 0% is up or a FlexDirect OD stooze is due to end and I enter it in the relevant row to remind me to pay it off in full.

At the end of the month I copy and paste the cells from the next month into this month's, clear the colour coding and change the months in the cells by edit/replace starting with the later month first eg AUG to SEP, then JUL to AUG and finally JUN to JUL. I change the merged cell header to the next month.

There are 25 action rows at the moment. Works for me and hasn't failed me yet in 10 years, but there're probably better ways. I keep full updated instructions in a hard 'will' file and a hard copy only of passwords in a very secret place that only our Executors know about.

bsms1147

Mine has each of my accounts in a separate column, with running totals in each. Important details (open date, close date, limits etc) are at the top; where an action needs to be completed it is red until I do it, when I turn it green.

Dates/amounts/accounts altered for public posting

I've also got a target for the end of each month on the right hand side so I can see how close (or far...) I am from that target when the month ends.

And in true MSE style, this is all in LibreOffice, not Excel. It also lives in my DropBox folder should I make a bad overwrite or lose the computer it's hosted on locally.

Meadows

14 pages

Page 1 - Basic Outgoings (council tax, water, savings etc.) this is linked to the main monthly pages and a changed figure on here changes on the other pages.

Page 2 - A table of Jan - Dec what savings belong to what (car ins, car tax, house ins, T.V Licence, holiday savings, D.I.Y savings, savings etc.).

Then 12 individual pages Jan - Dec of what comes in & what is in the current account (figure adjusted as to what is remaining in the account as money comes and goes), and then the basic what should go out each month (as per page 1 and a second list of what is actually going out - figures may differ per month) the second column remains at £0.00 until it is a current month and then figures added at the start of a month and removed as money leaves the current account. This is cleared at the start of the following month as info is now on the current month.

This way I know at a glance how much is coming in, how much is going out, what is in the current account, what is in the other savings accounts and what belongs to where when it comes to savings/money put aside.

I use Excell and also once a month back up to a small pen drive dedicated for my documents.

Lakeuk

Use an excel spreadsheet to keep track of share prices using a free stock market function addin, I keep it basic, price bought, costs, current value, current profit/loss if sold.

Also in the spreadsheet I track employee share schemes I've taken out, terms are different from year to year as they are designed to be low risk so a few variables like discount price, market price, exchange rate, current 1yrly average share price, profit share, income/national insurance tax rates have to be taken into account which makes having excel and the addin a savour to tracking current value a god send.

For normal accounts I'm still using a 10+ year old version of MS Money, not sound a decent replacement that can accommodate my employee share schemes

oldfella

for savings accounts

Account Name, Interest rate, Amount, Conditions (closing date etc), Action needed when, Interest Paid Gross, Expected Interest, Interest Paid Net

robatwork

Would like to see Yorkie1's (if I remember he had 14 or 23 current accounts and does lots of manual sloshing around)!

100saving

oldfella wrote: »

for savings accounts

Account Name, Interest rate, Amount, Conditions (closing date etc), Action needed when, Interest Paid Gross, Expected Interest, Interest Paid Net

sound nice and simple but what does your current accounts page and investment page look like?

Totton

Still using MS Money 2003 which works fine, tried iBank 4 but it doesn't handle UK fund or stock prices well at all. Use the portfolio tools of Hargreaves Lansdown and Trustnet for analysis.