Budget Planner Worksheet - Best Budget Software
Sample Household Budget Forms
People experiencing problems with personal debt are not the only ones who could benefit from proper budgeting when it comes to household finances. Finding a long term solution to debt does involve learning to control spending, but budgeting is a process from which anyone can get real benefits. Budgeting is not so much about scrimping and saving and saying no to everything, as about a comprehensive reorganisation of your finances. Done properly, budgeting will help you actually do more with the money you have.
The easiest way to begin budgeting is to use a household budget form. This will allow you to find out exactly where all your money goes, and then use that information to plan how much you really want to spend on everything. It is a two stage process - finding out where you are now, and working out where you are going to go from here.
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Sample Household Budget Forms
 |
| Balanced
Monthly Spending Plan for ________________________
Free financial budget
worksheet |
You should have
completed the
monthly budget worksheet to enable you to compare your actual spending
for the month against your net monthly income. In this worksheet,
we want to help you create a balanced spending plan.
On average, people spend 10% more than they make each month. You
can't eliminate debt, increase savings, or maximize your investments
if you are spending more than you bring in each month. This worksheet
will help you create a balanced monthly spending plan so that you
can cut hidden spending, increase savings, and eliminate debt.
Print out the worksheet below and:
- List your actual
expenditures in the column labeled "Spent Last Month".
-
List
your
net monthly income and the difference between what
you
spent and your net income in the "Balanced Spending
Plan Summary" table.
- Make the adjustments
necessary
for
the plan
to balance
with your income in
the column titled, "Adjusted Allocation".
- Add up the
totals from your adjusted allocations in the "Balanced Spending
Plan Summary" table.
- Subtract your
total allocations from your net monthly income. This amount should
be zero so that you have all your income allocated to a spending
category, with no overspending.
|
MONTHLY SPENDING ACCOUNTS
| MONTHLY REQUIRED
EXPENSES |
SPENT
LAST
MONTH |
ADJUSTED
ALLOCATION |
| Childcare
(Day Care) |
|
|
| Debt/Payment
To: Credit Card #1 |
|
|
| Debt/Payment
To: Credit Card #2 |
|
|
| Debt/Payment
To: Credit Card #3 |
|
|
| Debts:
Car Payment #1 |
|
|
| Debts: Car
Payment #2 |
|
|
| Debts:
Mortgage |
|
|
| Entertainment:
Cable & Internet |
|
|
| Financial
Plan: IRA |
|
|
| Insurance:
Auto |
|
|
| Insurance: Health |
|
|
| Insurance: Housing |
|
|
| Savings |
|
|
| Utilities:
Electricity |
|
|
| Utilities: Gas |
|
|
| Utilities:
Water/Sewer/Trash |
|
|
| Other
Expense #1 |
|
|
| Other Expense
#2 |
|
|
Monthly
Required Total (a): |
|
|
| MONTHLY
DISCRETIONARY
EXPENSES |
SPENT
LAST
MONTH
|
ADJUSTED
ALLOCATION
|
| Allowances: #First_name# |
|
|
| Allowances:
Spouse |
|
|
| Auto: Gas & Oil |
|
|
| Childcare
(Babysitter) |
|
|
| Clothing |
|
|
| Entertainment:
Movies & Events |
|
|
| Financial
Plan: Investments |
|
|
| Food: Dining
Out |
|
|
| Food:
Groceries |
|
|
| Utilities: Phone |
|
|
| Utilities: Mobile
Phone |
|
|
| Other
Expense #1 |
|
|
| Other Expense
#2 |
|
|
Monthly
Discretionary
Total (b):
|
|
|
PERIODIC
SPENDING ACCOUNTS
| PERIODIC
REQUIRED EXPENSES |
SPENT
LAST
MONTH
|
ADJUSTED
ALLOCATION
|
| Auto:
Registration |
|
|
| Insurance:
Homeowner's |
|
|
| Insurance: Life |
|
|
| Taxes:
Property Taxes |
|
|
| Other
Expense #1 |
|
|
| Other
Expense #2 |
|
|
Periodic
Required
Total (c):
|
|
|
| PERIODIC
DISCRETIONARY EXPENSES |
SPENT
LAST
MONTH
|
ADJUSTED
ALLOCATION
|
| Auto:
Maintenance |
|
|
| Donations |
|
|
| Financial
Plan: College Fund |
|
|
| Financial
Plan: Investments |
|
|
| Gifts: Birthday |
|
|
| Gifts:
Holiday |
|
|
| Gifts:
Other |
|
|
| Health:
Co-pay & Supplies |
|
|
| Household |
|
|
| Vacation |
|
|
| Other
Expense #1 |
|
|
| Other
Expense #2 |
|
|
Periodic
Discretionary Total (d):
|
|
|
BALANCED
SPENDING PLAN SUMMARY
| |
SPENT
LAST
MONTH |
ADJUSTED
ALLOCATION |
| Net
Monthly Income |
|
|
| Monthly
Required Total(a) |
|
|
| Monthly
Discretionary Total (b) |
|
|
| Periodic
Required Total(c) |
|
|
| Periodic
Discretionary Total (d) |
|
|
| Total
Monthly Allocations (a+b+c+d) |
|
|
Balance
(Net
Monthly Income less amounts spent or allocated)
|
|
(should be 0)
|
|
There
is an automated way to do this that will save you time and money!
using household budget
software
will help you create a balanced spending plan, and it will
automatically track your spending. You will always know exactly
how much you have left to spend and how long it has to last.
using household budget
software allows you to create as many budget categories
as you need, and also allows you to track spending from as
many bank accounts, credit cards, and debit cards as you
want. No more paperwork, no more math, and no more manual
data entry.
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Free Printable Budget Worksheets
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Debt can be bad for your health. Financial stress is common if you are forced into frugality because of a lost job, divorce, death in the family, or being over your head in debt, etc. This can lead to feelings of insecurity, fear, anxiety, anger, and, of course, depression.
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