![]() Compare your total income to your total expenses and savings goals. Fill in your monthly bills (all your bills, including debt payments)ĥ. Print out the free printable template of your choiceģ. I promised you using a budgeting printable would be easy. Plus, physically writing things down make them stick better in your brain. But when just starting out, nothing beats seeing your finances in front of you in black and white. Using online templates or an excel budget are great once you get a better handle on your finances. When you are just getting started on budgeting, I always suggest start with pen and paper. Using a template allows you to really “see” your money-what you have coming in and where it is going out. Templates also help you to keep track of your income, expenses, debt payments and savings goals. You literally fill in the blanks on the page and watch your budget come to life. RELATED ARTICLE: How to use a Budget CalendarĪ budget template is a simple worksheet that you print out and then use to create the budget for your family. If you need help getting started with your budget, here are some great resources! And it just gives me one less thing to worry about! It helps us to stay organized and better understand where our money is going. We still use a budget template for our personal finances each and every month. ![]() That is why I went on a search to find you some great FREE resources in the form of free budgeting templates. Then a budget is what you need! And creating a budget is super easy when you use a printable budget template.Īnytime we can make life a little easier, I am all for it! You can also make your budget right in the app, however, the printable sheet is great to reference month to month to see where your adjustments are needed.Free Printable Budget Worksheets to help you get startedĪre you ready to take control of your finances? Are you ready to stop wondering where your money went and start making progress on your financial goals? To make this process easier, you can also use the app which is free for you and I will get rewarded for sharing! It will categorize your spending (once you tell it which category the expenditure belongs in) and will make it easier to fill in the sheet. ![]() Consider paying off certain loans faster, or perhaps you can start saving up for a special or large purchase. You could also be contributing more to your retirement savings. Perhaps you need to build up an emergency or “rainy day” fund. Should you find, on the other hand, that you consistently have money left over every month, you now have the opportunity to decide what to do with that extra cash. The printable monthly budget template makes this easy to refer to and see what spending seems high. Should you find that at the end of the month that you are consistently spending more than you are bringing in, it might be time to take a closer look at where you're spending your money and adjust those areas where you can to make up the difference. You've Completed the Budget Worksheet, What Now? Make sure to check out the Weekly Ads every week to find the best grocery sales! These expenses can but cut the easiest such as using coupons for groceries, shopping at places such as BJs Wholesale or Tops Markets to get less expensive gas or earn gas points, maximizing your grocery budget, spending summer holidays at home instead of vacationing etc. This category is more specific to your families needs such as child care, gas, entertainment, groceries etc. Here is a breakdown of the Monthly Budget Template. You may even recognize that some months are different than others, but you should find after going through this exercise that you are more prepared for those changes and that you're accounting for unanticipated expenses as well. If you're finding your financial situation is changing due to an unforeseen economic downturn or job loss or you wish to begin investing more money or are finding yourself using a credit card often, now is a good time to get familiar with these resources and get ahead of your budget to keep your family out of debt and using your money wisely by investing the extra money you do have.‹› How to Use Monthly Budget Worksheets & TemplatesĪs everyone's financial situation is different, you may find that not every category in these worksheets below is applicable to your income or spending. An accurate budget will also help you to better understand what you can and cannot afford. By listing all of your sources of income against all of your monthly expenditures, you get a true picture of your personal cash flow, which will allow you to make better and more informed financial decisions. Extreme Couponing vs Everyday CouponingĪ budget is really just a tool to gain a better and more accurate insight into your spending habits.
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