Since the data is in excel, you can easily review past months, whip up some ad-hoc graphs, etc. It lists everything that my wife and spend, save, or owe broken into categories and further classified as check, cash, keep in checking for debit/credit card transactions, or move out of checking into various other accounts (savings or other checking accounts that we just use as additional buckets for separating our money from the main account). I created a budget spreadsheet based on the Dave Ramzy's cash envelope system using this guy's spreadsheet ( ) as a framework, which I've adapted to meet our needs. If you are new to R/Frugal check out our WIKI for helpful tools, answers to FAQs and links to recommended subreddits.
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It includes time, money, convenience, and many other factors. Frugality is the mental approach we each take when considering our resource allocations.
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