For what it’s worth, I’ve created a small spreadsheet for tracking savings goals. If you type in your savings info and the goals you’re trying to hit, it will tell you if you’re on track or behind. This is mainly useful if you have a few goals, but it also helps you keep track of your progress.

Here’s how to use it:

1. Edit the amount saved. This should be the amount you have saved to date.
2. Edit the Amount Allocated. This should be any amount you don’t want applied to your goals. For instance, if you know you’re going to buy shoes next week and you don’t want to trick yourself into thinking that you’re doing $100 better on your goals than you really are.
3. Edit the goals I have as templates. Change the “Goal”, “How Much”, “Start Date”, “Target Date” and the rest will be calculated for you.
4. If you need to add a goal, right click on the left side of the screen where you see the number 7. That will select the entire row and give you a popup menu. Select “insert”. BAM! You’ve got a new row. Fill in the same stuff you filled in for step 3.

The spreadsheet takes todays date and figures out how much money you should have saved to meet your goal.

If you don’t have enough, either save more or push the start and target dates out a few weeks.