#Example budget sample personal budget for free#
#Example budget sample personal budget download#

Water and sewer: Water is another utility that can vary in cost, depending on usage and base rates.So can keeping the thermostat set lower in cold weather and higher in hot weather-and turning off lights when they’re not in use. Using energy-efficient appliances can help to reduce electricity costs. Electricity: Electricity is another utility that many people pay on a monthly basis.Using energy-efficient products and enrolling in energy savings programs can help you manage your heating costs. Heating: However you heat your home-whether it’s with oil, gas, propane or electricity-heating prices are generally higher during colder months. The purpose of a household budget is to summarize what you earn against what you spend to help you plan for long and short-term goals.The cost of utilities may vary from month to month depending on use. They can include electricity, heating, water and sewer.

#Example budget sample personal budget for free#

Staying up-to-date on your money has never been easier – whether you’re accessing your budget spreadsheet from your laptop, tablet, or even your mobile phone, you can quickly and easy access your finances to help you stay on top of things! Try it today for FREE by going to are another important expense related to housing. They make it easy to get the total picture of your financial information by gathering all of your balances and transactions in one place.

This website makes budgeting a cinch, no matter how complicated your finances may be. To access a useful and easily customizable sample budget template, look to.

Look to an Online Tool to Help You Manage Your Finances Once you’ve determined your fixed expenses, you can then tweak your variable expenses, which allows you some wiggle room to decide where you can spend more money, and where you should cut back.

#Example budget sample personal budget download#

A parent of small kids may include items such as daycare expenses, groceries, child savings accounts, and so forth.Ĭlick here to download the XLS file sample budget template.xls. For instance, if you’re a college student, you may account for things such as tuition fees, textbooks, rent, and so on. The beauty of developing a budget is that you can personalize it to suit your specific life and financial situation. It’s helpful to keep all your receipts, and keep track of them in a journal, or simply plug these numbers into a sample budget template which you can access to quickly and easily add up the total from these figures.Īfter tallying up all these receipts at the end of the month, you’ll have a very good idea of how much you’re spending, and whether or not your net income is enough to cover it. Many expenses, like groceries, gas for your car, and so forth, can be tough to track. Often times income tax, 401(k) contributions, social security, and other expenses that are knocked off their monthly pay are not accounted for, which causes them to have an inflated idea of how much they really have to cover expenses.ĭo you have a firm grasp of how much money you bring in versus what you’re spending? Many people don’t have an accurate idea of how much money they really are taking home. Make sure that your goals are realistic based on your financial situation. Long-term goals should take a number of years to attain, such as saving for your child’s college tuition. Short-term goals should take no longer than a year to achieve, such as paying off credit card bills. Why are these goals priorities in your life, and how do you plan on reaching them? Asking yourself these questions will help put perspective on what you want to achieve in your financial life. Make a list of all the short- and long-term financial goals that you’d like to accomplish. You wont need to worry about your calculating skills when you use a budget templatefocus your energy on saving and let a template do the rest.With easy-to-use templates, youll save time and money. Here are some strategies to help you develop your personal budget spreadsheet. Browse budget templates made for a range of uses, from regular monthly budgets to budgets focused on weddings, college, or saving for a home. This is where a budget spreadsheet can come in very handy – creating such a spreadsheet can help you maintain control over your finances, and help you stick to your short- and long-term financial goals. With all the different channels of money coming in and out, it’s virtually impossible to have a good handle on your budget without having all the pertinent figures written down and organized in a certain manner. Keeping control over your finances is crucial to your overall financial health, but this can be easier said than done without the right tools in place. Click below for the free budget template that matches your lifestyle