Pay Slip Template. Registers for Cash Envelopes. Time Log Template. Availability Calendar. Google Sheets Timeline. Executive Summary Template. Simple Gantt Chart. Free Invoice Template A great general-purpose invoice template. Budget Planner Just one of our many budgeting worksheets. Personal Budget Spreadsheet Our most popular budgeting worksheet. Excel Timeline Template Create historical or project timelines using an Excel chart.
Timesheet Template One of our many different timesheet and timecard templates. Billing Invoice Template. Things like medical bills, home repairs, and car repairs can be budgeted ahead of time so that you have the money when you need it. For a monthly budget, divide the total average yearly cost of a large bill by Some people like to track the savings for big bills in separate accounts, sometimes even a separate sub-accounts.
That's great. Whether you call some of these categories "sinking funds" or "short-term savings" doesn't matter in this worksheet.
The point is that you have a place called BIG BILLS to remind you to budget for the big important stuff, the stuff that if you don't plan for, could break you. If you have a lot of different debts, you may need to lump some of them into categories such as "credit cards" and "students loans.
The debt snowball is included in the Savings section. Whether you list your mortgage as a big bill or a debt is up to you. These are your utilities, subscriptions, and other recurring bills that may be variable, but are pretty much consistent and predictable. Some of these could be envelope categories, but in general, these are for bills that you can set on AutoPay. The daily living categories such as groceries, fun and fuel tend to be highly variable.
Many people like to use an envelope system to control the spending in these areas more closely. If you are using a budget system where your envelope categories carry over from month to month, then as you complete your monthly zero-based budget, check the balances in each envelope whether physical or virtual to see whether you can reduce a category one month to make room for a bigger debt or savings snowball.
It has long been my goal to create a simple, macro-free, money management spreadsheet that provides the same functionality as basic budgeting and money management software. The money manager spreadsheet evolved from the combination of my budget planner , checkbook register , and monthly budget templates. These 3 tools together provide a way to Plan, Track and Analyze your income and spending.
As a preliminary caution, you should be comfortable using a spreadsheet and understand that spreadsheets are somewhat error-prone. Even if the spreadsheet is completely free of errors at the time you download it, there is no guarantee that you won't accidentally introduce errors as you edit it. With that said, download and enjoy! License : Personal Use not for distribution or resale.
This new version has all of the features of the original money manager below, including monthly and yearly reports. However, it is a LOT easier to customize budget categories.
It was designed to be something simple for students to begin using as they leave home and start having to track their own finances. This worksheet lets you define a separate weekly or biweekly budget and will compare your budget to your actual spending.
The main budget worksheet is still monthly, but now you have both options. So, if you need more categories, unhide the hidden rows. Both this older version and the newer version can be used as a complete money management system. With a single spreadsheet you can Plan , Track , and Analyze your personal or family spending. Include your Credit Card account s , Checking account s , Savings account s , and even an account to represent your Cash, Purse, or Wallet. Use the reconcile R column in the table to enter cleared "c" and reconciled "R" transactions.
You can enter split transactions and transfers between accounts. Use the built-in Excel autofiltering to display transactions for a single account or all accounts.
Just change the Year and Month to view the report for a different month. License : Personal Use not for distribution or resale. Like my Family Budget Planner , this personal budget spreadsheet can be used to create a yearly budget. By planning many months ahead, you can account for variable expenses and estimate how major life changes like moving, changing jobs, or purchasing a home may affect your financial future.
For the sake of documenting changes to the spreadsheet over time, here is a screenshot of the older Excel version:. First reason: it's free. Microsoft Excel isn't free, but if you already own Excel, then you can create a budget without purchasing other budgeting software. Second reason: flexibility.
The reason I use Excel when working with my home and business budgets is that it gives me complete flexibility to keep track of the information the way I want to.
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