![]() 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. ![]() While you can choose to view your 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. It’s also one of the more aesthetically pleasing templates, featuring custom colors, bar and line graphs and a callout that boasts how much you saved during the month. Like other simple monthly budget templates, this one allows you to log planned and actual income and expenses and then auto-populates the difference. If you’re a fan of Google Sheets, this might interest you. The template also includes a budget summary, complete with graphic organizers, which breaks everything down, including your top five expenses for the month. It’s perfect for beginning budgeters who want to plug in their income and expenses and have the results automatically populate. ![]() Mint’s Simple Budget TemplateĪlthough Mint also offers more complex budgeting template options, this simple one lives up to its name. It also allows you to compare projected and actual income and expenses, so, at a glance, you can see how well you’re sticking to your budget each month. ![]() This comprehensive budgeting template contains main categories, such as housing, entertainment, transportation, loans and taxes, and also plenty of subcategories to allow you to easily break down specific expenses. One good option to consider is the Microsoft Excel personal monthly budget spreadsheet. Microsoft Excel Personal Monthly Budget SpreadsheetĪs a heads up, if you’re interested in free Microsoft Office budget templates, you’ll likely find the majority in Microsoft Excel format, not Microsoft Word. Instead, here are nine completely free, simple-to-use budget templates and spreadsheets that are available to download right now. The good news is that if apps aren’t your thing, you don’t have to complicate your life by asking yourself, “How do you make a printable budget sheet?” See: How To Build Your Savings From Scratch 9 Free Budget Templates and Spreadsheets And in a world full of budgeting apps that allow you to swipe and tap your way through your monthly budget, some people still prefer to use good, old-fashioned budget templates and spreadsheets. A 2022 survey found that 86% of people track their monthly income and expenses, up from 80% in 20 and roughly 70% pre-pandemic. You may learn how to use Excel better in the process.Budgeting is more popular than ever. If you use and customize any template for your personal budget, make sure you understand how it works and always double-check the formulas. The flexibility comes at the price of possibly deleting or messing up an important formula, or making bad assumptions. In my opinion, the #1 problem associated with using a spreadsheet for your personal budget is the chance that you'll make errors. it's just a disclosure to say that I don't ONLY use Excel any more.Ī spreadsheet may not be the best budgeting solution for everybody. I started out using Excel to do everything, but I began using Quicken after a friend showed me how easy it was to keep track of checks and credit card charges and download transactions directly from my bank. A budget is almost useless without tracking what you are spending. For expense tracking, you could use my Income and Expense Worksheet, Checkbook Register, or the newer Money Manager. Tracking your income and spending comes both before and after making a budget. For example, I like to use cell comments to explain certain budgeted items in more detail (such as the fact that in May, there is Mother's Day and a couple of birthdays to remember).Ĭreating a simple personal budget (even if it is only on paper) is one of the first steps to gaining control of your spending habits. The reason I use Excel when working with my home and business budgets is that it gives me complete flexibility to keep track of the information the way I want to. If you don't own Excel, then Google Sheets and OpenOffice are free options to consider. Microsoft Excel isn't free, but if you already own Excel, then you can create a budget without purchasing other budgeting software. 42 Effective Ways to Save Money Budgeting Tips for the New Year Why Use Excel for your Personal Budget?įirst reason: it's free.
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