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Monthly Bills Tracker – Free Downloadable Spreadsheet

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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Monthly Bills Tracker

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

If you’re feeling worried about your bills and need help managing your money, you’ve come to the right place. This article will help you with our free Monthly Bills Tracker, which is an easy-to-use spreadsheet designed for UK residents who want to keep their bills in order.

Each month, over 170,000 people visit our site seeking advice on money matters. You’re not alone.

In this article, we’ll share:

  •  Why we sometimes forget to pay our bills on time
  •  How you could possibly get rid of some of your debt
  •  What is a Monthly Bills Tracker and who should use it
  •  Why it’s better than just looking at your bank statements
  •  How our Monthly Bills Tracker can make life easier for your household

We understand that dealing with debt can be hard. Some of our team have been in your shoes and know how it feels. That’s why we’re here to help you find a way to manage your money better. 

So, let’s get started on making your bills less of a worry.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Why Do We Miss Bill Payments?

There are so many reasons why someone would miss a household bill payment. Unexpected emergencies like vehicle fixes or replacing essential white goods can put a strain on our budget, as well as debts, overspending and simple budget miscalculations. 

If you are trying to manage on a tight budget or keep forgetting about how much needs to be paid and when, you could benefit from a monthly bills tracker. 

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

What Is a Monthly Bills Tracker?

A monthly bills tracker is a spreadsheet that allows you to rack the cost of every household bill throughout the year. It will help you to keep tabs on how much you paid and when so you know how much to expect to pay for variable rate bills in the future.

For example, you might not know how much to keep tucked away for your winter electricity bill, but using last year’s bills will help you estimate this more accurately and avoid getting caught short. It’s also useful if you want to compare how much you have been paying with other providers to find cheaper deals.

Who Should Use a Monthly Bills Tracker?

A monthly bills tracker is suitable for anyone who wants to stay on top of their household expenses and avoid debts. It is especially beneficial if you already have debts to pay and want to manage debt payments with household bills that are paid at different intervals. 

Another group of people who might want to use a monthly bills tracker is self-employed workers who work from home. You are allowed to claim allowable expenses for some of your costs for working from home, and a monthly bills tracker is a fantastic way to calculate business costs and claim expenses accurately. 

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

Can’t I Just Look at My Bank Statements?

You could scroll through your old bank statements to find the same information, or dive through drawers filled with past bills, but it is not the fastest or most convenient way of tracking household bills.  

It takes just a few seconds to add your latest bill to your tracker – and future you will thank you for it. 

How Our Monthly Bills Tracker Can Help Your Household

Our free monthly bills tracker has space for all the typical household bills from electricity to water and other expenses like Netflix accounts and so on. It covers every month, so you always stay on top of your expenses. 

Download it for free now and avoid missing future payment or getting into further debts!

Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.