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Either way, finding a budgeting template or spreadsheet that works best for your finances will help you create a budget and stick to it. If you just want a basic budgeting tool that you can print out and fill in, choose a printable worksheet.
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If you’re interested in a budgeting solution that will allow you to customize things according to your lifestyle, you’ll want to opt for a template or spreadsheet that you can download and edit. Make Budgeting Easier With a Template or Spreadsheet That Works for You Heres how to make a household budget worksheet: List your income. It’s a major life decision whether you rent or own and how much (if any) real estate you purchase. Housing accounts for 1/4 of your total household budget. Many financial experts agree that the ideal household budget breakdown is 50/30/20, as known as the 50/30/20 rule. And if aesthetics matter to you, this worksheet has a fun, somewhat whimsical feel due to the bright colors and scripted font. The largest household budget percentages are not always the most important ones, but this one certainly is. Also unlike the former, it includes a column for writing the difference after you subtract your actual expenses from your expected ones. Budgeting / Eating on a Budget / Manage Your Money. In comparison to A Cultivated Nest’s printable budget sheet, this one is more detailed because the subcategories are already filled in for you. Household Budget Percentages: Look at the WHY, HOW, and HOW MUCH Nominal Nerd. This free budget worksheet from A Mom’s Take is printable, which is perfect if you’re not committed to the idea of doing your number crunching online. As an added bonus, the bottom of the template includes a colorful doughnut chart that details a percentage breakdown of your monthly expenses. In the middle of the doc, you can plug in your actual and budgeted expenses. This simple monthly budget template found on TheGoodocs is designed to open in Google Docs and features a budget summary up top that includes total income and expenses, the amount saved, the amount overspent and the percentage of your budget that you utilized for the month. Free Easy Monthly Budget Template From TheGoodocs There’s also a separate sheet that details a year’s view of credit card payments, which can help give you insight into that specific area of spending. Discover how to budget yours money correctly with Dave Ramseys recommended budget budget percentages and categories. While you can choose to viewyour income and expenses by month, you can also use the yearly sheet to get a comprehensive month-to-month overview of your income and fixed expenses. This Google Sheets budget planner from 20somethingfinance stands out because it allows you to track a year’s worth of budgeting at a time.