#Budget plan sheet template how to#
#Budget plan sheet template free#

This is your money to spend however you want. Create your guilt-free, monthly budgetĪs explained earlier, it’s called your guilt-free budget because this is what is left over after setting money aside for savings, retiremenet, and future annual expenses. Now you’re left with your total for guilt-free budget, which is how much you have left for discretionary spending. “The goal is to make sure that enough income is first saved or invested before monthly expenses or discretionary purchases are made.” This is the pay yourself first concept described in “I Will Teach You to Be Rich.” Along with budgeting for annual expenses and retirement, I highly recommend setting more money aside for extra savings. There are suggestions in the note on the budget category* cell. There is room for eight additional fixed monthly costs. If you don’t contribute to a 401k or typically receive any extra monthly income, enter $0. Follow the orange colored cells as cues for which part to fill out next. In the top left box on the Config tab, enter your income.

Remember, cells with an asterisk(*) mean there is a note on that cell with more information.

#Budget plan sheet template how to#

How to Use My Google Sheets Budget Template If you’re stuck and need more info to get going, read on to get the details. There are simple and clear instructions with extra notes on cells that have an asterisk(*) - just hover over those cells to the see note. If you want to try my Google Sheets budget template, make a copy of it and try it out. A good budget system will create a change in your behavior. On less of things I care little about, and more on the things I care a lot about.Ī bad budget system only shows you where your money is going. I can customize it exactly the way I need to actually help me spend my money more thoughtfully. But these apps don’t really help me spend less money - they just tell me where I spend my money and try to guess (poorly) the category.Īnd that’s why I love budgets built on spreadsheets. Most of my friends use a budgeting app like Mint and I’ve tried them, too. If you can budget your money, you can budget your time! Enjoy the new feeling of self-control these habits will create in your life.After budgeting money for savings and annual expenses, you can budget your discretionary spending, guilt-free.

#Budget plan sheet template free#

That’s why we’ve created 15 free printable hourly planners. Once you see how good it feels to really know where your money is going, you may want to organize your time in a likewise fashion. Once you find what works for you, you can print 12 to prepare for the year, or you can laminate and reuse a single sheet.

If not, come back and print a different one. It couldn’t be easier.Īfter trying your budget for a month or two, assess whether the printable you chose is working well.

A new tab will open, and you can print straight from there. Browse through them and find one you think will fit your needs, then simply click on it. Some feature columns while others are subdivided into boxes. There are different styles, colors and categories on each one. We’ve created 20 free printable monthly budget planners to help you get ahold of your finances. You need a budget to stay on top of it all. Even without these costly events, there’s always groceries, mortgages, utilities and car payments to think about.

It seems like there’s always something expensive lurking, waiting to drain your bank account.