You can use templates to help you get healthier. There are a couple of designs for a diet and exercise diaries and grocery lists. You can even create a household budget or a household chore list. Figuring out how long it will take you to pay of your home loan can be done using a Microsoft Word template. Seems like there might be template for every aspect of life.
In the Operating Expense Budget Section otherwise called OPEX, the details you may include are the following: o Advertising Costs o Delivery Costs o Other Employee Benefits o Insurance o Interests o Office Supplies o Postage o Maintenance and repairs o Telephone and other utilities o Rent and mortgage o Taxes _ There are other operating expenses you encounter and you have to put all of them in the template. Budgeting on a per period basis is likewise necessary herewith. If you are already in operation for a while, you must review the average periodical expenses and budget for operating expenses accordingly. Based on your average monthly or quarterly operating expenses, budget two period when necessary. If this is not possible, use the average based on the past 3 months or three quarters. Ensure that you pickup the highest period cost to ensure that your budgeting is enough to cover any spike on your costs.