Free Budget Worksheets to Help Manage Your Money
These printable free budget worksheets can help you determine where your money is coming from and where it is going.
By Tracy Achen
While it may take a little time to fill out, but once you get it down on paper, you will be able to see where you can cut back. It sometimes helps to have your old check registers, as well as last year's state and federal income tax returns on hand to help you fill out some of the sections.
Getting all your information together in one place will make keeping track of future income and expenses a lot easier. For an on-going way to keep track of your budget you might consider using something like Quicken or Mint.
Income Worksheet
|
Monthly Gross Income |
Total For Section | |
|
Salary and wages |
$__________ | |
|
Total Gross Income |
$__________ |
$__________ |
|
Deductions From Income |
| |
|
Total Deductions
|
$__________ |
$__________ |
|
Total Gross Income
|
$__________ | |
|
Monthly Available
Income
|
= $__________ |
$__________ |
Expense Worksheet
When filling out this free budget worksheet, if an expense is incurred less often than monthly, convert it to a monthly amount when calculating the monthly budget amount. For example, if an item occurs only once a year, divide the amount by twelve to get the monthly amount. Just be sure to allocate money from your income to cover that expense when it happens.
|
Total For Section | ||
|
Housing
Expense
|
| |
|
Total Housing Expenses
|
$__________ |
$________
Housing |
|
Utilities
|
| |
|
Total Utilities
|
$__________ |
$________ Utilities |
|
Children
|
| |
|
Total Child Expense
|
$__________ |
$________ Children |
|
Financial
|
| |
|
Total Financial Expenses
|
$__________ |
$________ Financial |
|
Transportation
|
| |
|
Total Transportation
|
$__________ |
$________ Transport |
|
Health
|
| |
|
Total Health Expenses
|
$__________ |
$__________
Health |
|
Household /Pets
|
| |
|
Total House Expenses
|
$__________ |
$_______
Household |
|
Gifts
|
| |
|
Total Gift Expenses
|
$__________ |
$_________
Gifts |
|
Personal
|
| |
|
Total Personal Expenses
|
$__________ |
$________
Personal |
Calculating Total Expenses on your free budget
worksheet
|
Total Monthly
Expenses
| ||
|
Housing |
$__________ | |
|
Total Monthly Expenses
|
$__________ |
$__________ |
Is Your Budget Balanced?
To find out where you stand, subtract your total monthly expenses from your total monthly available income. If you come up with a negative number, you will need to work on cutting back on expenses.
By Tracy Achen, author of Divorce 101.
In addition to the free budget worksheets above, the following articles can help you get your budget in line:
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