translated from Spanish: How to organize well the costs of end-of-year and survive to 2019

Christmas, new year and holiday are instances that delighted the majority of Chileans, but it is also a time of excessive shopping, messy budgets and debt charges. To avoid this to happen, it is important to maintain a constant record of income and monthly expenses.
It is first necessary to have a specific place in which to store the basic accounts, is a Cabinet or folder in which can be the ballots of light, water, gas or common costs. If the receipts via email, can be stored in an easily accessible folder, sorted by date.
In addition you can use a program that helps to keep a record, and that also offers to make budgets and projections such as Microsoft Excel. This platform allows you to incorporate expenses and income in different templates to keep track of the money that you have and debts.
“Not only can be occupied Excel for the management of a company, but also for the administration of the home”, says Alex Hanke, general manager of The Ninja Company, Chilean company dedicated to the development of Excel courses online.
Useful templates Hanke points out that one of the most widely used for the management of the home is “Personal budget”, which is made up of four separate sheets: overview, monthly income, monthly expenses and monthly savings.
“The interesting thing about this template is that the section overview awards you two graphs that illustrate the income and monthly expenses, showing better our finances,” he added.
Being intertwined, figures entering the templates of income, spending and saving, modify the first summary. In addition, although most of the templates are valued in the currency Spanish, euro, all can be edited to Chilean pesos.
Similar to the above, a template that is also quite frequently used is “Simple monthly budget”, which, unlike the other, does not consider the monthly savings. It has a graphic bar that shows both income and expenses of the month, helping the user to balance its capital.
To keep a record of expenses can be “Payment journal”, which works like a diary but based on disbursement which is made every day. “Often happens that some expenses are us pass budget, as when us some product before time or various eventualities, for what this template gets perfect to aim them”, says the expert.
“There is a trend showing that the Chilean can not spend or borrow responsibly. It is necessary that you can maintain a balanced budget, be aware of monthly income and expenses to be carried out, through the constant register. A time for the Organization and planning of personal finances, helps a lot in the household economy”concludes Hanke.

Original source in Spanish