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This can vary from nearly nothing all the way to several hundred dollars, depending on the complexity of the program and your personal needs.Ĭategories help to organize your budget.
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If that’s the case, you might want a program that specializes in creating graphs quickly or a template that automatically builds and updates them for you. Perhaps you’re someone who really loves charts and graphs (more on those later). Additional features: While most spreadsheets use a common cell-based organization system, some of them offer unique additional features that may be worth considering.Highly stylized templates may look cool, but can become distracting and difficult to work with from a practical standpoint. Layout and legibility: If you’re going to use and update this spreadsheet regularly, it helps to ensure that its layout lets you easily track your data.Are features you need to use hidden away in hard-to-find places? Are the menus overly complicated? Choosing a program or template that’s confusing to use or requires advanced knowledge from novice users can frustrate your budgeting efforts. User-friendliness: You’ll need to update your data regularly for your budget spreadsheet to be effective at tracking your finances.When choosing your spreadsheet program or template (PDF), it can be helpful to consider a few things: You may also be able to find pre-made templates you can use with some of the most popular spreadsheet programs. There’s a plethora of spreadsheet software to choose from, as well as several online budget planning apps. Choose a spreadsheet program or templateĪ logical starting point to building a budget spreadsheet would be to choose a program or template for this purpose. Consider visual aids and other features.ġ.Enter your numbers and use simple formulas to streamline calculations.Set your budget period (weekly, monthly, etc.).
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Create categories for income and expense items.Choose a spreadsheet program or template.Here are some steps that may help when building your own budget: It can help you track your income and expenses, identify areas where you might be able to save money and give you a more detailed view of your financial habits.Ĭreating an effective budget spreadsheet is often the first step toward taking greater control over your financial destiny. Either way, finding a budgeting template or spreadsheet that works best for your finances will help you create a budget and stick to it.When it comes to managing your finances effectively, a budget spreadsheet may prove to be one of the most accessible tools in your arsenal. If you just want a basic budgeting tool that you can print out and fill in, choose a printable worksheet. If you’re interested in a budgeting solution that will allow you to customize things according to your lifestyle, you’ll want to opt for a template or spreadsheet that you can download and edit. Make Budgeting Easier With a Template or Spreadsheet That Works for You And if aesthetics matter to you, this worksheet has a fun, somewhat whimsical feel due to the bright colors and scripted font. Also unlike the former, it includes a column for writing the difference after you subtract your actual expenses from your expected ones. In comparison to A Cultivated Nest’s printable budget sheet, this one is more detailed because the subcategories are already filled in for you. This free budget worksheet from A Mom’s Take is printable, which is perfect if you’re not committed to the idea of doing your number crunching online. As an added bonus, the bottom of the template includes a colorful doughnut chart that details a percentage breakdown of your monthly expenses. In the middle of the doc, you can plug in your actual and budgeted expenses. 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 viewyour 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.