![]() ![]() The calculations in the "Difference" column are set up so that negative numbers are bad. Using the Personal Monthly Budget Template See our articles Make a Budget and 5 Basic Budgeting Tips if you are just getting started or new to budgeting. At the end of the month, you record in the "Actual" column how much you really spent during the month.įor a more detailed set of budget categories, see the Household Budget worksheet. 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 type of budget worksheet is to compare your monthly budget with your actual income and expenses. Some numbers are included in the Home Expenses category as an example, but you'll want to replace those numbers with your own. You’ll both be able to see your money flow and know what is expected of each of you.To use this template, just fill in numbers that are highlighted with a light-blue background (the Budget and Actual columns). While it may not help everyone, there are many people out there who will benefit from using a budget as a couple. One of the main reasons why couples fight is due to finances and spending habits. It’s so much more attainable when you can set the goal and watch your bank account grow as you follow through. Maybe you have a goal of a few thousand dollars in savings. When you see exactly what you have and what you need to pay for, it’s much easier to set goals for yourself. It’s easier to set goals and achieve them.Or if you spend too much money on gourmet coffee or other items, there is no denying it when you track it. When you see that you are spending too much money in one area of your life such as entertainment it’s easy to see that you need to cut back. You’ll be well on your way to paying off your bills and having financial freedom! After all, you can’t make sure you’re living within your means if you don’t have an accurate view of how your money is flowing! Take a look at these helpful tips and reasons for budgeting then pick one of these free printable budget templates to download. We can all benefit from budgeting and keeping track of what we make versus what we are spending. You may be thinking that making a budget doesn’t apply to you, but in reality, it applies to everyone. It just takes the effort of jumping in and getting started on your budget. Once you have that groundwork laid out, you can easily keep up on it each month with little to no stress. Don’t worry though! This is just the initial phase because you need to see how much money you owe to each place. ![]() When you first start using a budget planner, it is a little bit of a daunting. Please see our Disclosure Page for more information. I am so excited to share with you these 20 Free Printable Budget Templates!ĭisclosure: This post may contain affiliate links to Amazon and/or Etsy, which means that I may earn a small commission from some of the links in this post. Plus, you will end up paying off bills and saving more money than you ever thought you could. Believe me when I tell you that once you plan a budget and start sticking to it, you’ll realize it wasn’t hard at all. I know that creating a budget can seem a little overwhelming because you may not even know where to start. If you’ve ever found yourself in the rabbit hole of constant debt, it might be time to start using a budget. ![]()
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