i think we initially started with a newlywed budget that was just “spend nothing” — which, for the most part, worked. we still tended to the “spend nothing” budget but leaned a bit further from that because we were both making money, although not much. then we have household money each month, that totals just about 1k (much of this is variable expenses, but i try to average them here) on top of all that we pay 10% of our income each month to the church in tithingwe also contribute money to our savings which is included in our monthly budget.child care (while i am at work) is not actually part of our budget because i feel like it’s a bill, i will talk more about it during my “pre-funding” post. we are putting a fair amount into savings each month to cover the masters that drew is getting, but we still make ends meet at home. ???? **i should add that the only debt we currently have is a mortgage. we didn’t have to take any student loans, and while i thought we’d have to take them for drew’s schooling, we have somehow made it without.
i think mortgage/rent is the biggest part of a family’s budget and it affects everything else. i think my budget worksheet is a great place to start. of course we do not have to pay for health insurance as the public free system is pretty good here. i used to coupon and we had about a years worth of shampoo., soap, toilet paper, laundry soap, etc. i am a part time nurse (try to stay home some with my 2 year old) and my husband is a teacher/coach in louisiana. the only difference between our budget and yours is that we will go out to eat or see a movie maybe once a month with our family, but not every month. i guess we all just have to work within our budget depending on where we live.
when it comes to having a proper grip on your financial scene, a family budget is your must-have tool. the budget spreadsheet sample lists down all your income and expense areas so that you can easily calculate whether or not you have deviated from your estimated budget for each expense area. the document here starts with rules and instructions to structure your budget and then it is followed by a long template of a monthly budget where you can calculate the difference between your budget and spending. you have a bi-weekly household budget template here which comes with 3 main columns for estimated expenses, actual expenses, and the difference between the two. when it comes to creating a family budget templates, you should first take into account all the income sources of your family. then, you should consider all the expenses that you incur each month- include all the major and minor expense areas. next, you will include all the expense areas and also include 2 columns by the side to note down the spending and the amount that you had estimated previously.
you have an annual budget planner template here which would be good for students staying alone. you can find out the difference between your income and expenses at the bottom. you have a smart budget spreadsheet template here that you can use for your family budgeting and it includes all your expenses as well as all the various income sources, including that of your spouse’s. the main importance of a family budget is that it helps you to get a proper order for your financial scene. it always involves a whole lot of expenses when you have to run a family and it’s not uncommon to lose track when you don’t have a proper organization. it lists down all your expenses, total income, and the estimated budget for all the expense areas so that you can have a clear picture of your overall financial state. if you are looking for help on how to create a family budget, the templates mentioned above are all that you need. you have a versatile range of budget templates here to help you whether you are looking for a monthly or a bi-weekly or an annual budget.
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