If you use and customize any template for your personal budget, make sure you understand how it works and always double-check the formulas. You may learn how to use Excel better in the process. Download Over 1. Disclaimer : The spreadsheet and the information on this page is for illustrative and educational purposes only.
We do not guarantee the results or the applicability to your unique financial situation. You should seek the advice of qualified professionals regarding financial decisions. Follow Us On Sponsored Listings. New in Version 2.
Percentages below the category totals show you what percent of the total family budget is going to that category. The help worksheet is much more detailed now. Excel Follow Us On If you have no idea of your monthly expenditure, you can manage your household budget template said than done. To actively manage your budget here are a few useful tips:. Initially, you should check your monthly income. This will include wages, monthly salaries, child support, grants and alimony among other sources.
Moreover, you need to check that all sources are reliable. Similarly, you should include other jobs and cash from your hobby in your monthly income resources. Likewise; you need to depend on your monthly budget. Once you have listed down your total assets, you should now budget for them. You now focus on the household expenses.
You should first make a list of your fixed expenses such as rent, transportation, electricity, medical, water and groceries among them.
Further, you can list down all the expenses which are variable household expenses. The net income refers to the amount you will keep after clearing all the household bills.
If you want to remain financially secure, you should try to keep your net income positive. Similarly, you can handle any uncertainty in future if your net income is saved. However, if your net income becomes negative your chances of going into debt are high. Therefore, in case of a negative, you can go for other options. There is spreadsheets for every financial scenario a person may have.
I also think they are timesavers. It gives a person a quick overview of their finances without have to take the time to create the spreadsheet. The more information, the better. I would like to use the first spreadsheet listed, the Personal Budgeting Spreadsheet, but the pages are protected and it will not allow me to make changes to the months. Has anyone else had this problem and could you please tell me how to make changes?
I have downloaded your wonderful Excel spreadsheet personal budgeting spreadsheet. It is exactly what we are looking for to get our finances organized, however I am having the hardest time because we have more yearly variable expenses that the spreadsheet allows. When I insert rows and add in the additional information it does not transfer to the other monthly sheets.
You should try this out before going to spreadsheets. I cannot seem to get the personal budget template to download. Is there something I need to do differently other than just clicking? Thanks so much!! Shannon, when you click the link it should pop up a window to download it — if not, shoot me an email and we can figure it out… seedtime. The first I want to be just a running ledger like an online bank ledger… I.
On another part, I would like to take individual companies and keep a running tab.. Thank you so much for these spreadsheets. I can finally keep track of all my finances. I needs to spend some time finding out much more or understanding more. Thank you for wonderful information I was in search of this information for my mission.
It has very useful information! I think we can use an expense management software on web or mobile either. Therefore it is available everywhere and whenever I need to record any expense. I try Costsbook it is so simple and helps me and my family a lot in better planning. Loved sharing your helpful budget forms! I shared them on my website along with daily resourceful tips! Come on over and see! Hi, As I was checking out your site I some how got linked to ingdirect.
I some how thought it was part of your site. Hi Bob, Thanks for providing such an excellent resource for general use. Getting these three coordinated I find to be mind boggling. Do you have any programs which might be helpful or can you provide any solutions? Thanks again for all your efforts. I just set it up for my website over at The Christian Dollar. You can track your personal and business finances all in one place! Let me know how it works out for you! Am I doing something wrong? Please let me know how to fix this.
It fits me and my needs wonderfully. I do need to change some of the budget categories and the sub-lists that go with them. How do I change those categories and sub-lists?
Thanks for this. Hey there! This is kind of off topic but I need some help from an established blog. Is it hard to set up your own blog? Do you have any points or suggestions? With thanks. I have been using the Dave Ramsey budgeting techniques for years and can attest to the value of a good budget. What I have yet to find is a good budget spreadsheet. My issue seems to be that my income is not as fixed as most budgets want it to be. I get paid bi-weekly and my wife is paid monthly.
I get expense checks paid to me at random times. I have expenses for work as well as the costs of supplementing other households in the family. My budget has grown complicated to say the least. Anyway, what I want is a spreadsheet that will help me allocate and track according to weekly schedules. Any ideas? When did you try YNAB? I have been using YNAB since late and I think there is nothing that addresses your perceived needs better. Muchas Gracias! My husband and i are just starting out with a structured budget and I am pleased to find such a comprehensive and easy-to-use tool.
Hi Bob — thanks so much for this awesome resource for budget spreadsheets! Excel really is the BEST tool for budgeting! Great spreadsheet! Just one question, how come the personal budgeting spreadsheet does not have a total for the fixed expenses column? I have been in and out of homeless shelters for the past three years.
My credit history and current is just shot to all yuk. Score is lower than I start a new job as a bus driver in a large city in Central CA on Nov 5. Once I start getting used to a steady income I would like to clean up my mess. This is the painful part of getting back on my feet after being unemployed for so long.
Oh my God, thank you! I have been searching for budget templates I can stick to for most of this past year. I JUST found one on this page that fits all my needs and just spent the last 2 hours setting it up. I love, love, love this site.
Thank you so much! I like the idea of the yearly family budget but does any of them have it to where you can input each persons income listed for each for 2 or 3 people? Really very impressive work you have done by sharing home budget spreadsheet template. Actually, I feel something missing in my personal budgeting spreadsheet and now I got my answer.
And that problem always solved by a professional who do experiment in related field and also an expert in that field. This is almost what I was looking for. Awesome spreadsheet and easy to use.
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