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Tutorial: Analyze spending Habits Using Pivot Tables

How-to-Analyze-Your-Spending-Habits

Before you build the budget that will help you make all your dreams come true, you need to understand your spending habits. I’m going to walk you through the exact steps you can take to analyze your spending habits using Excel pivot tables. The goal is to categorize your expenditures … Read more

Use a Digital Envelope System to Bucket Your Paycheck

Savings_Waterfall_System_fi

If you’ve read up on money saving systems, you’ve probably heard of the envelope system. Its a simple method with the following steps: Create an envelope for each type of monthly expense and identify an amount of money needed for the month. Add the designated amount of cash into a … Read more

How to Build Your Budget Like a Business

How to Build Your Budget Like a Business

During my career as an accounting and finance leader working for healthcare companies of $50M up to $350M in annual revenue, I built many budgets from scratch.  I’ve followed budget processes that were extremely detailed and tried to take into account every penny of cost, and I built high-level budgets … Read more

Welcome to Beyond Pennies!

Hi, I’m Shelley, a financial analyst and corporate executive with an MBA and more than 15 years of experience helping companies grow profits.  I’m also an active options trader, Excel guru, and mother to three lovely children who are 21, 2, and 1.   I enjoy sailing, photography, content creation, and … Read more

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