I made a stupidly autistic workbook to track and project all of my income and expenses and account balances. i have nobody else to show it to. enjoy.the payroll calculation sheet includes the full IRS steps that my company's payroll system uses to calculate withholding and everything so i can predict nearly to the penny what my take-home pay will be given a certain number of hours worked, etcthe 401k and home equity numbers don't take growth into account, they're just starting with a recent balance and adding principal deposits onlythis has had the neat effect of showing me exactly how grievous an error it is not to max out my 401k contribution up to my employer's match, because i can directly see how much net cash i'm leaving on the table (especially summed at year-end) by doing so, even if i have less liquid cash
So i actually like it. Shame you dont have a blank template to share with everyone to try out.
>>62384414for predicting utility bills, i have logged all of my utility bills since we got this house in 2022 so i can predict with decent accuracy how much my energy or water bill will be for a decent monthi took all of my planned, regular transactions across all of my accounts, including all of the quarterly and yearly bills like annual insurance premiums and kids' summer camp registrations and blah blah blah and created repeating transaction series just extending outward into future dates.so for utilities, i have planned transactions for each month that take the monthly average energy/water and then add like 30% margin and I'm always covered and usually have some gravy left over.for day-to-day household spending, i just transfer my wife 1700 for all groceries and goods for the month (family of 5 + dog, that number is for all household goods including paper towels, detergent, baby diapers, dish soap, all that shit adds up so fast), and then put a lump sum in our joint account for 'family discretionary' expenses and gas for the cars. family discretionary is, obviously, discretionary shit like haircuts, going to the zoo, clothes for us or the kids, gifts for other people, the rare chick-fil-a trip. i don't track/project the nitty gritty there, it's just a lump allocation every month.
>>62384424it'd take me a bit to strip my shit out, may do so if the thread is still up later. there's nothing groundbreaking here though, it's just very personalized to my favorite excel methods (tables and structured references and so forth).
i can predict exactly how much nitpicking this screenshot will invite, but doing THIS was a colossal aid in planning, all of this shit that's non-monthly or on weird intervals and is generally hard to properly plan for. I laid it all out and then sum up the annual total, split that into a per-month set-aside (rounded up) that i auto-transfer into a separate checking account, and now this stuff never comes as a surprise.making the transaction log was the natural consequence, where I projected these out onto future dates and plotted what the account balance will be, so i can see if i need to shore it up so it won't go negative in six months or whatever.
Thats a lot of work. Ive been able to predict my balances 4 years out to a high degree of accuracy just doing an exponential on my saving rate
>>62384414too autistic simplify it or you'll get split focus
>>62384640i consider myself very bad with money. and having kids has thrown a lot of disruption into the mix. i have had nearly no success with cash savings for the past few years, just spinning my wheels. as i've earned more money you can see a lot of lifestyle creep and bloat in those set-aside numbers for sure.
>>62384675the actual interaction is, put my transactions in the list, update my predicted pay hours and then my actual payroll numbers if necessary. that's about it. this isn't for day-to-day spending, that'd be too much work to track like this.
>>62384414I like to autistically build excel stuff too, anon kek>picrel
>>62384712i like it a lot. i yearn to devote some brainspace to actual work like this.
>>62384851*actual finance work
>>62384851Map out anything you want to build and bounce some ideas off AI and once you have your structure for whatever you're making, its off to the races with your own tweaks. I tend to just start with an idea, figure out how to build the skeleton then I start adding in different things, looking up how to add or build extras, or get it to function how I want etc, then making it as automated as possible. You clearly have skills, just a matter of figuring out what you want to build. I think I'm going to get into SQL and python next and take an excel project and turn it into a python project >picrelI haven't updated the stats since the beginning of the season but funnily enough the team that was ranked #1 at that point (think it was like 10-20 games in or so) ended up just winning the stanley cup
>>62384955oh yeah execution isn't the problem, i do spacecraft shit with excel for work, what i don't know is the principles of financial/commodity analysis like your crude sheet is showing and translating that to a way to make money. i don't consider it beyond me to learn, i just haven't yet
>>62385036>i do spacecraft shit with excel for workthat sounds pretty cool, what do you do exactly? Are you an engineer or analyst?
>>62384414Bro just get Monarch lol
>>62385071systems engineer, so both. On spacecraft programs I run the massive systems analysis budgets that account for the mass and power consumption of every single component on the spacecraft, and a bunch of other shit.major use is monitoring how mass and power growth are trending as we progress through the development cycle, accounting for known-unknowns and unknown-unknowns, to make sure we don't exceed our launch vehicle capability and to make sure for the planned mission orbit the power consumption won't cause the battery to dip too low during eclipse. When the vehicle has been modeled in CAD, I pull the mass properties and predict center of mass evolution as propellant is used up and the spacecraft is in different mechanical configurations (i.e. with solar arrays and instrumentation booms deployed or stowed)i vibe coded a cute database service with a little node.js web interface for storing the equipment data (and more importantly letting other engineers update that data with good change tracking so we can keep track of who changed what when and why), and then i have excel using power query to fetch all that data and do all the analysis. Using power query is my secret sauce and it regularly blows peoples minds when i show them this secret shit going on in the background.
>>62385111i use You Need a Budget, I really like it, this excel stuff is primarily for forecasting and just being able to flip all my data around and look at it in different ways.
>>62385134god, I should have studied engineering but I dropped out of 9th grade (HS) and have struggled with the motivation to go to college. I envy you, anon. I hope they're paying you well. I am currently NEETing, wondering what I'm going to do with my life kek>power query one of the very best tools excel has to offer, that and the data science capabilities are actually quite robust
>>62385427comfy full remote consulting gig in semi-rural area with a cute house and our own creek and woods on a few acres. three perfect blonde shithead kids. living the dream. making the most of it.
