![]() (Click the link, and the download will appear at the bottom of your screen.) I’d rather use what already exists vs. If you don’t mind the basic (mostly blank) version, you could use the free monthly budget template or the free downloadable weekly budget spreadsheet in Excel. Or, if you’re interested in the weekly budget template download, we’ve also got you covered. You could do all that-or download the monthly budget template I already created (currently priced at $4.99). Keep tweaking and changing your budget until you’re satisfied. Are you spending according to your wishes? If not, what can you do to change that? Either spend less or, if you need to, call your providers to get a reduced rate. Then review your expenses and decide whether you’re happy with them. Next, write out all the expenses that you incur each month (names and amounts)-for your home, car, food, debt, personal, kids, pets, etc.ĭo you have a surplus of money left over? Add categories for saving and giving. Then multiply by four to get your monthly earnings. Get a blank piece of paper (or open a blank Excel sheet). To make your own budget sheet, follow these steps: I’m certain I’m not alone.įree Budget Calculator (Excel For Single or Family Household Spending)įree Weekly Budget Template (Simple Budget Planner Spreadsheet)įree Monthly Budget Template (Simple Budget Tracker Spreadsheet)Īnd if you are interested in beefing up your savings, check out these posts for the best saving accounts: I was not paying attention to the budget-time to refocus and get back into it. Our savings accounts are dwindling, and I didn’t see it coming. My wife just called an emergency budget meeting. Vet bill for our dog (abscessed tooth): $1,500 These were our expenses in the last two weeks:įlight tickets for our February vacation: $1,500 I’m supposed to be super smart about money. "And I got to talking to you, I realized that it definitely changed my life, so I don't know why that wouldn't extend to other people.I’m a personal finance expert. "I don't think I ever really thought that something as stupid as an Excel spreadsheet could change anyone's life," Celes said. People have reached out to say it helped them get out of credit-card debt, save for a house, and cultivate a healthier mindset around money. Others who found the spreadsheet through Reddit have also made financial strides. Her credit score has also improved and her spending anxiety has lessened, she said. ![]() And honestly, that to me is the most meaningful thing." "That kind of security and that feeling of safety is something that I had never had up until this point. "We recently had some emergencies come up and I was able to comfortably afford everything without fearing that suddenly I would be left with nothing," Celes said. Over the last four years, she built a $10,000 savings cushion. "I realized that I wanted the savings to be kind of like an expense, so I added it in a weird way so it would almost hide my savings from me. The spreadsheet includes a separate tab for factoring in big-ticket items. At the very top of the spreadsheet: how much you have left to spend for the day, week, or month. There are separate calculators for big-ticket purchases and regular savings, plus a goal tracker to log savings progress and setbacks. Savings takes center stage in the current budget template, which Celes shared on the r/personalfinance Reddit channel, a community with 14.6 million members, in May. "I kind of realized that I needed to be more responsible with how I was working on the spreadsheet and adding things to it and making sure to kind of keep that initial goal of keeping it simple, but also taking the time to help teach people responsible financial practices." A better budget led to more savings and less anxiety "One of the things that I really wanted to focus on when I was making it was it for someone who didn't know anything about money," she said. There wasn't a section in the budget for credit-card payments or savings for big purchases, but as Celes expanded her financial knowledge, she enhanced the spreadsheet, too. She shared the first iteration of her spreadsheet on Reddit three years ago. There's a daily "spendable" amount at the top of the budget that's customizable.
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