Easy Monthly Budget Template
Easy Monthly Budget Template – “Budget” is a word that is often misunderstood, yet a family budget can be one of the most important financial tools in our lives.
When you ask a friend if they want to go out to eat and they say “Oh no, I can’t, I’m on a tight budget,” it makes you think badly about budgets.
Easy Monthly Budget Template
This leads many of us to think that sticking to a budget means you can’t do anything you want to do, ever.
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A good, balanced budget is a spending plan: you decide what you want to spend your money on and then stick to that financial plan.
That’s the power of learning to budget. You can decide exactly what your hard earned money does for you.
A monthly budget is a monthly plan for your money. Each month you will have money coming in, and money going out.
Free Sample Monthly Expenses Spreadsheet
In this way, you take all your money – your income and payments – in your own hands! This is the best way to achieve independent wealth and take care of yourself financially.
A budget will show exactly how much is coming in and going out and make sure you’re living within your means.
You will make a list of all the money you have, such as your weekly or bi-weekly paychecks and your side income.
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Then you write down all your expenses, and this is where it gets interesting. For most people who don’t have a budget, expenses are what might surprise you when you add up what comes out of your account each month.
With the budget, you’ll be able to see your cash flow and redirect it to better things, making sure you can work towards your goals.
Each month, you will need to create a new budget. Yes, every month, because every month is different. You might get an extra check one month of the year, you might have more things to pay for one month than the next, and so on.
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At the end of each month, sit down and come up with a new budget. Of course, you can use most of the information from the previous month, but things will vary from month to month, depending on what you have planned.
Remember: a budget is a tool that will help you reach your goals and prevent you from wasting your hard-earned money on things you don’t really want or need.
Check your bank statement and see the exact amount you’re taking in each month. You probably have money for things like:
Monthly Budget Excel Template
Make sure you put the exact amount of money you’ll need to deposit into your account, but if you’re not 100% sure, it’s worth checking with your bank to see.
If you’re not sure if you’re going to get a certain amount of money or not, I’d suggest leaving it out of your budget just in case you don’t get it. A budget is only guaranteed by using money.
What many of us tend to do is pay our bills, spend money on the things we like, and then try to save whatever money is left over, which isn’t much.
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This is one of the biggest budget challenges that catches people off guard. Once you get paid, make sure you pay yourself first.
What this means is that you think of saving money as a non-negotiable bill, and you put the money directly into savings before you’re tempted to spend it.
You can check your bank account to see what you need to pay for that month, which will likely be things like:
Free Monthly Budget Templates
There will be other things you’ll be paying for, so it’s best to check your bank statements and look at previous months.
When it comes to your miscellaneous expenses, you can look back at previous bank statements to see how much you spent in previous months.
This is an important step: if there are things you want to save for, you should compare with what you spent before or make an estimate. If you want to go camping but stay within the budget or have a fun stay with the family, then you need to consider saving for it in advance.
Printable Monthly Budget Planner Template
With categories like groceries and eating out, this can be assumed to be completely inaccurate as to how much is spent, so tracking these expenses will help you budget realistically.
Your calendar will help you calculate the things you’ll have to pay from month to month, like birthdays and various occasions.
You’ll want to keep your expenses as low as possible so you have more money left over for the important things.
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Once you have your total income and expenses, you can subtract your expenses from your income and see how much is left.
Your bills must be paid every month; they are not non-negotiable issues. Once you’re sure your bills will be paid, you can see how much is left over and move that money into various funds.
The pots we’ve been talking about are things like: sinking fund (for birthdays, Christmas), savings, fun money, emergency fund, etc. How much goes into that is up to you.
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You can change your mind and adjust what you initially thought you were going to do – this is 100% up to you, just make sure you are realistic and ready for things to go up.
A budget is not a one trick pony. You need to stay up to date and make sure you change and review it every month.
The more you look at your budget, the deeper it will sink and you will be over your money. If you’re working towards a goal, this will help you stay on track and stay motivated.
Monthly Budget Spreadsheet For Excel
A monthly budget will definitely work, but remember that we are only human, not a calculator.
What I mean by this is that it’s easy to manipulate the numbers to work for you and give you lots of extra cash every month, but if you’re changing lifelong habits, you’re going to have to cut yourself some slack. leisure be realistic
If you usually spend $1,000 a month on food, budgeting to only spend $100 a month next month is very unrealistic.
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An easy way to see how much you’ve been spending on variable expenses (so expenses that change in cost from month to month) is to review your bank statements for the past few months and add up what you’ve been spending on those special expenses. things
Budget success is the result of creating and meeting a realistic budget. If you’re $200 down on gas that month, don’t go over that amount. If you think you’ll get through it, watch it, so that if you don’t, you can move that money somewhere else and not have any stress.
The budget you create is personal to you, so you can decide exactly how much you want to spend on things and give yourself money for that daily Starbucks treat, or that cutie you’ve had your eye on for weeks, if that’s what you really want to do.
Monthly Budget Planner Schedule Template
I’m a big proponent of budgeting because I think we should all have things we’re working towards, and as much as we’d like to tell ourselves that money isn’t important, it certainly helps pay for a lot of those things. we want!
We’re not talking about a wardrobe that would make the Kardashians jealous, but things like a forever home for your family. A career change can be a job that will bring you a lot of happiness, compared to the dead-end job you’re stuck in now because you need to pay the bills.
Personally, I’ve used the budget to keep my head above water when I’m struggling financially, manage my money to pay off my debts, save for things that were important to me, and now I use it to keep my bills paid and to save for a house and a down payment.
Monthly Budget Template Budget Planner Monthly Budget
Not sure where your money is going each month? You’ll probably do some random things like clothes or nights out, and that won’t help you reach your big goals.
This isn’t the same for everyone, of course, and some people get by without a budget, but it will certainly help the vast majority of you get your money going where you want it to go.
There are a few different budgets, but the most popular (for good reason) tend to be the zero budget and the 50/20/30 rule budget.
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Zero Base Budgeting is where you allocate all of your money to different things so that you
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