✦ HAVENLY LIFE • THE MONEY SUITE ✦
Spending Breakdown
Turn one big spending total into a picture that actually makes sense.
Use your Spending Breakdown to see exactly where your money went. Compare planned and actual category spending, see what percentage each area used, identify your biggest spending category and review how much went towards needs, wants, fixed costs and flexible spending. Everything saves automatically on this device.
Find The Pattern.
Know What Changed.
✦ SPENDING OVERVIEW ✦
Set Up Your Breakdown
Choose the month and add the amount you expected to spend before comparing it with what actually happened.✦ WHERE DID IT GO? ✦
Category Breakdown
Add planned and actual spending for each category. Percentages and differences update automatically.✦ BIGGEST SPENDING AREA ✦
No Spending Added Yet
This is currently your largest spending category.✦ DID THE PLAN MATCH REALITY? ✦
Planned vs Actual
See whether the month came in below, on or above the amount you originally expected to spend.✦ NEEDED OR WANTED? ✦
Needs vs Wants Breakdown
Separate essential spending from lifestyle and non-essential spending.Housing, essential bills, food, transport, health and other necessary costs.
Shopping, entertainment, treats, eating out and other non-essential spending.
✦ HOW MUCH COULD CHANGE? ✦
Fixed vs Flexible Spending
See how much of your spending is committed in advance compared with spending you have more control over.Regular commitments such as housing, bills, insurance and subscriptions.
Spending that can vary, including groceries, shopping, eating out and entertainment.
✦ HOW DID YOU PAY? ✦
Payment Method Breakdown
See whether most of your spending happened through debit, credit, cash or another method.Payment method amounts are for analysis only. They are not added to your category spending total, so nothing is counted twice.
✦ SPENDING BREAKDOWN CHECK ✦
What Is Your Spending Telling You?
Start Your Breakdown Add your planned and actual category spending to see what stands out.✦ YOUR TOP THREE ✦
Biggest Spending Categories
Your three largest actual spending categories are calculated automatically.✦ WHAT STANDS OUT? ✦
Spending Patterns
Use the numbers above to identify what is actually influencing your spending.✦ CHANGE THE NEXT MONTH ✦
Rebalance My Spending
Decide where you want your money to move next month.✦ MONTH-END CHECK-IN ✦
Spending Breakdown Review
Turn the breakdown into something useful for next month.✦ SPENDING NOTES ✦
Anything Else to Remember
Keep unusual expenses, refunds and useful observations here.✦ THE MONEY SUITE PRINTABLE ✦
✦ DIGITAL PRINTABLE ✦
Prefer to break down your spending on paper?
Use the matching Spending Breakdown printable to compare spending categories, planned and actual amounts, needs and wants, fixed and flexible costs and the areas taking the largest share of your money.
YOUR PRINTABLE CAN INCLUDE
✦ When you know where the money went, you can decide where you want it to go next. ✦