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Personal Financial Organization Tips

Organizing personal finances is the first step toward realizing dreams and projects. Check out this article for some simple initiatives to keep your financial balance and get out of debts.

The knowledge of personal finance begins with careful budgeting and financial self-awareness. The results are investment habits and personal enrichment.

To achieve financial stability and a peaceful life it is important to follow some organizational steps. Want to know more about personal finance? Read below.

Personal Finance Concept

Personal finance is related to the act of managing money and the financial decisions of a person or a family. Thus, all personal characteristics and lifestyle habits are considered to make a financial diagnosis.

With diagnosis it is necessary to define strategies that enable the best level of financial comfort, as well as the resolution of financial problems and definition of investment strategies.

Tips on How to Organize Personal Finances

We know that keeping your personal finances up to date is not just about revising the accounts, but about changing some habits. For this, it is essential to set goals to be achieved. Check out some tips for organizing your finances.

Use a personal financial control tool

Tracking spending and knowing exactly where your money is going is a critical step in keeping your personal finances up to date.

To assist you in this task, there are several tools available. The most common among them is the personal finance spreadsheet.

An Excel spreadsheet can help you keep track of your finances by organizing your income and expenses. Learn about Adnia’s automated personal finance spreadsheets and begin your financial transformation.

Record all your expenses

Now that you have access to a personal financial organization spreadsheet, start recording all expenses for the month. What are they?

  • Fixed expenses: electricity bill, gas, rent or mortgage payments, school, etc.
  • Variable expenses: medicine, movie theater, dining out, etc.

It is important to record all expenses so you will have a better idea where your money is going. This is the first attitude to achieve financial stability and peaceful life. If you find that things like your electricity bill are becoming too expensive though, then it might be time for you to consider how you can become more energy efficient. For example, perhaps you should consider checking out these TriEagle Energy reviews, just in case the company you already use is charging you more then they should be. You should also see if there is anything else that you can do to help you save money when it comes to things like your electricity bills. For example, if you have a load of outside lights for your house that you keep turned on all the time, then it might be a good idea to turn them off.

50-15-35 Rule

This rule consists in a simple concept with goals and objectives aimed at organizing the financial life. Thus, the month’s budget is divided into three percentages, 50%, 15% and 35%, where income is directed to. See below:

  • 50% for essential expenses
  • 15% for financial priorities
  • 35% for lifestyle

This means that essential spending should not exceed 50% of your budget: housing, consumer bills, education and others.

Then, financial priorities should only commit 15% of your budget. If you are in debt, this is the portion that should be used to pay these commitments. Otherwise, this percentage should be used for saving and building equity.

Finally, 35% of your budget can go to things you enjoy and make sense for your life: hobbies, restaurants and everything else that defines and motivates you.

Pay off all debts

Use 15% of the budget to catch up on your personal finances and get out of debt. This way, without paying interest, there will be more resources to manage and invest.

The first step is to try to renegotiate debt, either by asking for a reduction in interest rates or a longer repayment period.

One tip is to ask for a personal loan as long as the interest rates are lower than those charged by your credit card or overdraft. However, there could be a small chance that your bank will refuse you a loan, but there are other things you can do. Deciding to take out a car title loan, from somewhere like Qik Car Title Loans, means that you have the opportunity to borrow a loan using your car’s value, whilst placing your car as collateral until you are able to pay it off. This option could be beneficial if you need to cover the costs of a short-term payment. When it comes to finances, it would be best to do some research beforehand, as this will help the decision-making process a lot easier. Checking out sites like SoFi could be a good starting point for anyone looking to take out personal loans.


If you’ve found yourself in a lot of debt over the years, your credit rating will have also suffered. Once your debts are paid off, it’s time to rebuild your rating. Using Credit Cards for No Credit can help rebuild your rating as it shows you can be trusted with a short term loan. Paying your bills on time and the correct amount will also improve your credit rating.

Set financial goals

Set long-term financial goals by determining a value to be achieved. In this way, organize yourself to create the conditions for the goal to be met.

Whether it’s a trip or buying a property, you need to set goals. So save an amount every month, thinking of achieving your goal.

Save some money for an emergency

Having some money saved for an emergency is essential, as we never know tomorrow. Experts recommend that this emergency reserve be equivalent to 3 months of all your expenses.

That way, if any unforeseen happen, you will be able to meet all your commitments. Another tip is to find a source of extra income as this will bring more security to your financial life.

Liked the tips, but need an advanced strategy to control personal finances? Check out Adnia’s Solutions and finally reach your financial peace of mind.

Adnia Solution for Personal Finance

Meet Adnia’s simple, full-featured personal budget Excel Templates that are designed for busy people who want to manage their personal finances efficiently.

In addition, Adnia Solutions has also developed a spreadsheet to help you plan your well-deserved vacation trip and avoid financial surprises. Use this model to estimate your travel costs, record your actual expenses, and compare expenses with your budget.

Our personal budgeting models make financial planning simple and convenient. The results are easy to see with the help of clear, intuitive custom graphics. With Adnia Solutions models you can:

  • Organize your personal finances and manage your spending habits.
  • Monitor your monthly cash flow
  • Categorize your expenses
  • Track fixed and variable expenses
  • Plan big purchases and retirement budget
  • Clearly display results with clean graphics
  • Save more time and money
  • Control your expenses, lower your debt ratio and save money to realize your dreams.
  • Make revenue and expense forecasts
  • Categorize your expenses
  • Have a multilingual template: Select one of the available languages (English, French, or Portuguese).

With Adnia Solutions personal and travel budget planning templates you will have greater control over your expenses and better planning over your financial future. This leaves more time to manage other demands of your life.

Adnia Solutions is a reference in creating smart, innovative and incredibly easy-to-use Excel-based templates and dashboards. Check out our personal finance spreadsheets.


  1. Phil marques

    Great article!
    I’ll take a look at excel spreadsheets for personal financial organization right now! Thank you!

  2. Great. Helpful informativo.

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