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The guide introduces a paid download package ($4.99) that includes a Spending Analysis worksheet, a Spending Journal worksheet with examples, and a Budget worksheet featuring the Life Pie and the Jars. It emphasizes completing the Spending Analysis (typically using at least three to six months of statements), categorizing expenses with common-sense rules, and then using averages to build conscious, informed budget decisions.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/tracking-your-money-the-gail-way-download-package-instructions/243316/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/tracking-your-money-the-gail-way-download-package-instructions/243316.png","ImageObject",442,249,{"name":88,"@type":89},"Aurelia","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-09","2026-09-12",true,{"@type":98,"interactionType":99,"userInteractionCount":73},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What is included in the $4.99 download package?","Question",{"text":108,"@type":109},"The package includes a Spending Analysis worksheet with instructions, a Spending Journal worksheet with examples, and a Budget worksheet that includes the Life Pie and the Jars.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"Why is the Spending Analysis component important?",{"text":113,"@type":109},"Skipping it can shortcut the process and reduce the quality of the budget. The guide stresses that you should not shortcut by skipping Spending Analysis.",{"name":115,"@type":106,"acceptedAnswer":116},"How long of statement data should be used for the Spending Analysis worksheet?",{"text":117,"@type":109},"The guide encourages using six months’ worth of information for the clearest picture, and explains that if you use less, you must adjust the Average divider to match the number of months.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},243316,1791563847,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":135,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":141,"read_time":73},1099514068365,"https://ap-avatar.wpscdn.com/avatar/10000253d8d9f28188e?_k=1776742907772140068","Tracking Your Money The Gail Way  \nI was sitting at dinner one night with some friends. They’ve been reading drafts of my new book, Money Rules, (due out in January 2013, but likely released in time for Christmas December 2012) when Girlfriend turned to me and said,“Is there a rule about what to do with the information you have in your Spending Journal?”  \nGood question. It prompted a lot of discussion about how a Spending Journal works and how it dovetails with a Budget. Boyfriend turned to me and said,“You know, if Girlfriend is going to use it, you’ve got to spell it out with plenty of pictures.”  \nHe wasn’t being mean. He was simply commenting on Girlfriend’s need for concrete examples and step-by-step instructions. It got me thinking. Maybe there are a whole bunch of people who turn their heads to the side quizzically when I say,“Use a Spending Journal,” or “Track that info in your Budget.”  \nIt’s taken me weeks to get this right. And I’ve passed it by a number of people to see if they can use it. If there’s too much detail in the instructions for you, remember that there are heaps of people who need loads of instructions, which is why I’ve done it this way.  \nThe worksheets are available for download for a package cost of $4.99. They include:  \n• Spending Analysis worksheet and instructions  \n• Spending Journal worksheet with examples  \n• Budget worksheet, which includes the Life Pie and The Jars.  \nI strongly recommend that you do NOT shortcut the process by skipping the Spending Analysis component.  \nIf you don’t have any paperwork because you’re a dope and threw your statements away  \n• track forward for at least three months using the Spending Journal  \n• then do the Spending Analysis  \n• then make the Budget.  \nIf you’re an expert at excel, you can do this for yourself. You don’t need to buy the package. If you’ve got a system that works, please save yourself the five bucks and stick with what you’ve got.  \nI’ve created this package for all the people who keep writing to me to ask for budgets, spending analysis worksheets and budget binder pages.  \nIf you’ve always been afraid of THE BUDGET, if you think facing up to where your money has been going will be tough, if you’ve a mind to just keep ducking and hiding, go ahead. Don’t waste your money on this package if you’re not going to use it. If you’re serious about getting your financial life sorted out, download away and get busy. It’ll take some hard work. But you won’t be sorry.  \nThe Spending Analysis Worksheet  \nYou can use this spending analysis worksheet as a companion to my book Debt-Free Forever or as a stand-alone in preparation for using the other two worksheets included in this package. Debt-Free Forever tells you, in detail, what to look at when you’re doing your spending analysis. For example, in the book I say:  \n“If you have a whole bunch of transactions in department or discount department stores that you can’t break into categories, simply enter them into the “department store” category.”  \nIf you need that kind of direction and explanation, get a copy of the book. If you’re good with just gathering up your paperwork and getting started with the spending analysis, get going!  \nUse your common sense when it comes to deciding where to put stuff. For example, if you have someone who cuts your grass, that’s home maintenance. If you pay for monthly massages, but it’s for health reasons, not a selfindulgence, put it under medical, not under beauty. But don’t lie!  \nGo through six months’worth of your spending (every bank statement, credit card statement, or anything else that shows where your money has been going) and put in every penny you’ve spent so you know exactly what you’ve been doing. Only by knowing where you’re money has been going can you make conscious decisions about:  \n• if you’re satisfied about how you’re spending your money, and  \n• what you’ll change to make your money work better for you.  \nTo use the Spending Analysis Worksheet:  \n• Cl","cbCaipRYWnvcoII7","https://ap.wps.com/l/cbCaipRYWnvcoII7","pdf",352470,8,6,"English","# The Spending Journal and Budget Connection\n## Download Package Contents\n## Spending Analysis Workflow\n## Categorizing Transactions\n## Worksheet Setup and Averaging\n## Using Statement Data for Debt Repayment","[{\"question\":\"What is included in the $4.99 download package?\",\"answer\":\"The package includes a Spending Analysis worksheet with instructions, a Spending Journal worksheet with examples, and a Budget worksheet that includes the Life Pie and the Jars.\"},{\"question\":\"Why is the Spending Analysis component important?\",\"answer\":\"Skipping it can shortcut the process and reduce the quality of the budget. The guide stresses that you should not shortcut by skipping Spending Analysis.\"},{\"question\":\"How long of statement data should be used for the Spending Analysis worksheet?\",\"answer\":\"The guide encourages using six months’ worth of information for the clearest picture, and explains that if you use less, you must adjust the Average divider to match the number of months.\"}]","Tracking Your Money The Gail Way - Download Package Instructions | PDF",1789202611]