to get started, you can use my free personal budget spreadsheet template in excel or google sheets to track your income and expenses using a common set of budget categories. if this is your first time trying to create a personal budget, you may want to read the article “how to make a budget.” it explains how to use a spreadsheet to track your expenses, and then how to turn that information into a budget. it provides a simple way to create a budget, especially if you need ideas for budget categories. like my family budget planner, this personal budget spreadsheet can be used to create a yearly budget. microsoft excel isn’t free, but if you already own excel, then you can create a budget without purchasing other budgeting software.
if you don’t own excel, then google sheets and openoffice are free options to consider. 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. creating a simple personal budget (even if it is only on paper) is one of the first steps to gaining control of your spending habits. for expense tracking, you could use my income and expense worksheet, checkbook register, or the newer money manager. this isn’t an advertisement for quicken … it’s just a disclosure to say that i don’t only use excel any more. in my opinion, the #1 problem associated with using a spreadsheet for your personal budget is the chance that you’ll make errors. if you use and customize any template for your personal budget, make sure you understand how it works and always double-check the formulas.
creating a budgeting plan for your household can feel overwhelming and hard, but excel can help you get organized and on track with a variety of free and premium budgeting templates. money in excel can help you take control of your finances. it’s the only template that securely connects to your financial institutions to import and sync accounts into an excel spreadsheet. note: money in excel is a premium template available as part of a microsoft 365 personal or family subscription and is currently only available in the united states. this excel template can help you track your monthly budget by income and expenses. tip: track monthly expenses utilities, credit cards, and insurance are billed monthly, so the easiest way to keep an eye on expenses is to determine how much you spend on a monthly basis. beyond your electric bill, do you have a movie or game subscription? tip: pay attention to variable expenses while gas and phone bills generally don’t vary in amount month over month, other expenses, such as dining out or clothes shopping, can vary wildly.
now that you have an overall idea of monthly expenses, it’s time to categorize them so you can review your fixed, variable, and discretionary expenses. you can capture all of these in a “fixed expenses” category. tip: variable expenses you can’t do without variable expenses, but they can fluctuate from month to month. discretionary expenses can vary wildly from one month to the next. once you have a good idea of how much money is coming in versus what you’re spending, you can start prioritizing for your short and long term goals. are your cabinets getting shabby? remember to include these expenses as you look at your financial goals. tip: keep your wedding options open consistent review of your finances helps you figure out if you’ve saved enough to purchase an item that’s essential or just “nice to have.” but, you can also include a certain amount in your monthly budget for fun and entertainment – a variable expense you certainly might want to track while attending college.
streamline how you budget your income each month with this comprehensive budgeting template. with a personal budget template, budget management is so easy. compare your estimated monthly income against what you spent with this monthly budget template. use budget templates to track housing, food, entertainment, download a free personal budget spreadsheet template for excel – easy to use – a great way to get started on your personal budget., monthly budget planner, monthly budget planner, monthly expenses template, personal budget template free, simple personal budget template.
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