Ad Clicks : Ad Views : Ad Clicks : Ad Views : Ad Clicks : Ad Views : Ad Clicks : Ad Views : Ad Clicks : Ad Views : Ad Clicks : Ad Views : Ad Clicks : Ad Views : Ad Clicks : Ad Views :
Home / Finance / Tool for tracking your personal finance buffers 2019

Tool for tracking your personal finance buffers 2019

One of the money practices I have is to create “buffers” for various important savings categories.

You can use this simple spreadsheet to help you track your progress in filling these buffers. To access this tool, do this:

STEP 1: First log into your google drive account:

STEP 2: Come back here and click this link:

STEP 3: On that webpage, click “Use this template”

Buffers include:
Kid emergency
Pet emergency
Dental emergency
Car emergency
Computer / Tech / Appliances
3-Months Living Expenses (ideally 6-months)
For Retirement Account This Year
Business Improvement
Dream Project
For Parents
Any other savings category that is important to you or your family

Once you’ve got your own spreadsheet going, here is how to use the tool:

STEP 1: Determine which buffers matter to you. Delete the rest, so you aren’t distracted or overwhelmed. You can always add more buffers later, but don’t add too many. Just enough is good.

STEP 2: How much to save for each category? Put that number in the “Goal Amount” for each of the buffers.

STEP 3: Each month, first set aside some of your income into the Tax buffer … depending on your tax bracket. For example, 25% or 30% may be a safe number for US citizens, considering federal and state. I usually save more than I think I need, and always get a tax refund each year. Better to err on the safe side and avoid penalty fees.

STEP 4: And finally, save a little bit towards each buffer. What this means is that each month, you transfer whatever amount you can into your Savings. For that amount you transfer, divide it up into however many buffers you have and add those numbers to this spreadsheet. For example if you have 5 buffers (besides Taxes) and you transfer $500 (besides taxes) into your Savings, then add $100 to each of your 5 buffers on the spreadsheet.

I’m always open to your questions and comments. May this tool help you achieve financial freedom!


The best of these videos, sent to you monthly, for free:


Every day we bring you the top trending videos and news being shared around the web. What’s Trending also gives you access to your favorite digital stars and The pulse of what’s trending on YouTube. Check out the latest music videos, trailers, comedy clips, and everything else that people are … Trending this Week.

Trending videos are any videos that YouTube users are interacting with at a very high rate. Often these videos were recently uploaded (a day or so ago). As previously mentioned, you can view the current trending videos under the “Trending” tab on the YouTube homepage, even if you’re not logged in or don’t have an account.
For brands, the goal of creating trending content isn’t necessary. It could be a shoot-for-the-stars goal, because if one of your videos goes viral, it could end up on the trending page and thus gain significant exposure to your company. However, silly commercials, like those on the Super Bowl, have ended up as trending YouTube videos shortly following their television debut

PSN: TheJuaN

Instagram: @JuanIrizarry
Snapchat: @JuanIrizarry
Twitter: @LikkeJuan
Twitch: @JuanIrizarry
Vine: @Juanirizarry

  • Facebook
  • Twitter
  • Google+
  • Linkedin
  • Pinterest
  • Reddit