YNABis one of the fastest-growing budgeting software we have ever seen. They are simple and easy to use to help you get your money under control again. We love that they have so many free templates for you to download and start using. Whether you are looking for a family budget planner, personal budget, money management system, monthly household budget, or a simple budget worksheet Vertex42 has you covered. Vertex42has a huge collection of budgeting templates and worksheets for you to use. Read how Mint and Empower compare in our review article! 6. If you can’t find a pre-made template that will fit your needs you can always learn how to create your own custom budget template in Excel. Microsoft has a variety of products and services, and their templates range from personal family budgets, monthly budget templates, holiday budget templates, budget calculators, and even wedding budget trackers, they have plenty of free options to use.Įach spreadsheet will come with basic expense categories for different situations, which you can change up how you need very easily. Microsoft Excelhas some incredible budget templates that you can use if you have Microsoft Office, you can pick a budget spreadsheet for whatever suits your needs. Using a budget spreadsheet is a very hands-on method of budgeting. This type of template is perfect for individuals that like complete control and are great with numbers. If you love looking at the numbers and tracking every last penny, then a Google Sheets budget spreadsheet will be perfect for you. Google Sheets has plenty of budget templates and spreadsheets to choose from, and unlike Microsoft Office, it’s free with your Gmail account. Of course, Google never lets you down with its products and services! Google Sheets Budget Spreadsheet Template If you get paid biweekly, I also have a free biweekly budget template so you can budget your expenses per paycheck every other week. You can head here to grab our FREE budget template now. We found when you are first getting started with a monthly budget, nothing beats pen and paper, hence why we made a whole budget planner and some templates for you! We even have a meal plan templateas well.Īdd your income at the top, then subtract your fixed costs, variable expenses, debt, and savings, then watch our digital budget auto-calculate your monthly cash flow at the bottom. Our free template is both printable as a budget worksheet and digitally like a spreadsheet that will auto-calculate for you. You can customize and use it for any financial situation! This sample budget includes expenses right from the air ticket, visa and passport fees to your accommodation and meals in the other country.We created our FREE simple budget template to be as straightforward and easy to use as possible. If you are a student who is studying abroad, you need to make a student budget to see where you are spending your savings and your parents’ hard-earned money. Also, review your budget from time-to-time to check if things are going as were planned. Make sure that the budget does not show a deficit as in that case, you will need to cut some costs or go over the process again. You can make an emergency fund out of the surplus available. Step 5: Calculate Your Savings and Review Your BudgetĬalculate your savings or net balance of funds. This is because an extra income is welcome but any forgotten expense will put you off track from your planned budget. Step 4: Principle of PrudenceĪs per this principle, consider your unexpected incomes as and when they occur and in case of expenses, consider them even if there is a remote possibility of their occurrence. So remember their occurrence to incorporate their effect on your budget. Some bills are monthly some may be quarterly and some yearly. Calculate your average spending in a particular period and then allocate an amount for it. Again it will depend on the kind of budget you are making. Step 3: List All the ExpensesĪfter income, list down all your expenses. Apart from the regular income, do remember to include the extra income or non-operating income. Income sources will be different according to the kind of budget you are making. The income projections give you an idea of the money you will have in your hand to meet all your expenses. It may be weekly, monthly, half-yearly or yearly. It is also important to determine the tenure for which the budget is to be made. You may need it for your office, for business, for a project or for personal use. 5 Steps to Write a Sample Budget Step 1: Purpose and Tenure of the Budgetīefore making a budget, you should have a clear idea about why are you making it.
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