Paycheck Budget Template
Paycheck Budget Template – Kumiko Love took control of her finances by combining an envelope (left) with a calendar budgeting system. Courtesy of Kumiko Love
There’s no shortage of useful budgeting techniques, but what works for one person may not work for another. And the problem is not always a lack of commitment or effort. Sometimes a certain budgeting method is not right for your financial situation.
Paycheck Budget Template
“For the first two years of budgeting, I tried many methods—the calendar method, the salary method, percentage budgeting, money envelopes,” Love explains. “I tried Dave Ramsey’s baby steps. Each time, I felt like a failure because I wasn’t able to reach my financial goals like I thought I would.
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As Love discovers, budgeting is not a one-size-fits-all approach. And for those who are struggling financially, it helps to combine the key elements of several different budgeting methods to finally achieve success.
Love combined elements of calendar budgeting, salary budgeting, and the cash envelope system into what he called the budgeted payroll method. This is a traditional approach that works where other budgets have failed.
Not sure where to start budgeting? Take our quiz and get personalized recommendations on which budgeting techniques to try and what to skip.
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Before you plan how to spend your money, you need to know where it’s going, advises Love. So, calculate your expenses first.
Every time you spend money, write down a month or two to better understand where your dollars are going. Alternatively, you can use bank statements, credit card bills and old receipts to track your spending habits.
Kumiko Love advises people to track their spending as the first step in organizing their finances. Courtesy of Kumiko Love
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Once you understand how you spend your money, it’s time to create your money plan. Use a monthly budget calendar to write down payment deadlines, scheduled events, doctor’s appointments, vacations, birthdays, and other places where your money goes.
“People think that budgeting is just about paying bills, paying off extra debt and saving, but… these life events put us back on the road because we weren’t ready to pay for them financially,” says Love.
While you can’t plan for unexpected expenses, you can allow yourself some wiggle room when you move on to the next step: creating a salary budget.
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After filling out the calendar, create a budget for each month. If you get paid twice a month, you will have one zero budget for expenses at the beginning of the month and another budget for expenses at the end of the month.
As with other methods, you don’t fund your entire monthly income, but only your wages and expenses for that period.
A payback budget does not determine how much you should spend on each category or goal. Where your money goes is entirely up to you, be it living expenses or irregular expenses like travel and dining.
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That’s why it’s important to set aside money for financial priorities, such as paying off debt, building an emergency fund, or for periodic sinking funds each pay period.
Once you’ve created your budget, put cash in envelopes to pay for variable expenses. Love recommends scheduling your payments online to avoid the hassle of trying to pay through the cash envelope system.
While Love’s money management system is a guide, it doesn’t have to be yours. You can use a budget planner, use Love’s free resources to organize your finances, or use a budgeting guide or spreadsheet.
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Looking for a good budget app? We’ve rounded up the 5 best budgeting apps to help you get your finances in order.
This love-paying-off-five-figure-debt-with-custom-budgeting approach has three top tips for those looking to pay off a budget.
It’s easy to be ambitious enough to spend more than your monthly bills and groceries, but that’s unrealistic. Keeping a close eye on your spending for a few months will help you set an achievable goal and spending limit.
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“When I first started budgeting, I set my food budget at $300 a month, and I was actually spending $700,” Love says. “I failed before I even started because I drastically cut a category in my budget that I wasn’t ready for.”
It’s important to look at where your money is going compared to your budget. This process will help you identify critical mistakes you may be making and what changes can help you achieve your financial goals. The problem areas you identify one month may become the next month’s priority areas.
A budget is more than just a money management tool. Sometimes it goes beyond personal finance and forces us to face some hard truths that can lead to personal growth in amazing ways.
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“I think a lot of people don’t realize that budget travel is about how much you know who you are and what you really want to spend,” says Love. “[Budgeting] is a lifestyle, it’s a mindset shift, and it’s a journey of self-discovery.”
Want to learn about other budgeting methods? Check out nine of the most popular budgeting techniques that you can mix and match to create your own financial management style. To protect user data, older versions of your web browser are not supported. Please update to the latest version.
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Monthly Budget Planners
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Paycheck Budget Printable Planner to organize your finances! Perfect for managing your finances with a monthly budget template.
Use the budgeting worksheet to get financial insight on how to allocate and spend your money by month and paycheck.
Digital Budget Planner Weekly
In the top section, write down all the income you will receive during the month. Your family may have more than one source of income. List them all.
Record your expenses, such as bills and cash receipts, variable expenses, savings/savings, and additional debt payments, to track how you’re spending your money.
You get two designs for 12 months and two designs for a blank month design for this budget worksheet pdf.
Free Weekly Budget Templates [excel, Word]
One design will have the option to use the money envelopes section and the other the expenses section. These sections include food, gas, dining, etc. used for your variable costs such as
High quality 300 DPI for printable PDF means you can print crisp and clear!
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Budget Planner (printable)
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Printable Monthly Family Budget Worksheet
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