![]() ![]() I realized that I was spending more and more money each month to go to the movies. Are you seeing different categories of spending change significantly over time? It helps to pinpoint changes in expenses early and helps you to quickly adjust. Using a tool like this gives you the opportunity to review your monthly budgets. I am surprised how quickly I forget what I spent money on, so using the notes helps to refresh my memory and makes it easy to reference later. Make sure to use the notes to explain specifically the expense. It is those sneaky, unplanned expenses that can really derail your budgeting plans. These may include rent or mortgage, utilities and estimated amounts for groceries or eating out.Ĭreate a Miscellaneous category (similar to what you do with the money envelope system) and include incidentals such as birthday or holiday gifts, or a car repair or anything else that you will pay for that doesn’t happen all the time. When you create a monthly budget, include all of the regular, recurring expenses. Ready to dig deeper and tackle your budget for this year? Snag theģ1 Day Savvy Budget Planner. We know that once you start to use these, you won’t be able to resist staying organized and on track! You don’t need anything complicated – print this one page to help you get started.īe sure to take a look at our other free budgeting printables, so you can find others that work for every personal finance project. This free monthly budget printable is a simple tool that you don’t need anything extra. I knew exactly how much income I had and knew where all of my expenses were going. It is funny, but after a few months, I noticed that I stressed a lot less about money. It won’t take long before it gets to be a habit. Home Budget Worksheet - Our original selection of home budget worksheets.It will take a little bit to get used to writing down all of your expenses.Personal Budget Spreadsheet The 12-month version of the personal budget version.Personal Monthly Budget - Like the one above, but less detailed, and designed to fit on a single page.Family Budget Planner - This is the 12-month version of the household budget spreadsheet listed above.Money Management Template - Record transactions to automatically populate the budget vs.If you add or remove any categories, just make sure that the formulas used for the totals don't get messed up. ![]() If your Net is negative, that means you have overspent your monthly budget.Īdding or Removing categories: The household budget template contains a very detailed list of categories, which you may or may not need. The Monthly Budget Summary table totals up all your income and expenses and calculates the Net as Income minus Expenses. If you spend more than you budgeted, the Difference between the Projected and Actual values will be negative, and if your Actual income is less than your Projected income, the Difference will be a negative number. ![]() In this spreadsheet, the calculations are set up so that negative numbers are bad. The cells in the "Difference" column use conditional formatting to make negative numbers red. ![]() At the end of the month, you record in the "Actual" column how much you really spent during the month. This represents your goal - you're trying to keep from spending more than this amount. You record your desired budget for each category in the "Budget" column. The purpose of this worksheet is to help you compare your monthly budget with your actual income and expenses. You may also want to read the article " How to Budget". Our article " How to Make a Budget" explains how to use these spreadsheets to create your budget. You'll want to replace the values in the Home Expenses category with your own. To use this template, fill in the cells highlighted with a light-blue background (the "Budget" and "Actual" columns). 42 Effective Ways to Save Money Budgeting Tips for the New Year Using the Household Budget Worksheet ![]()
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