Free Monthly Budget
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Figuring out my finances was one of the most overwhelming tasks on my to-do list. There was always something missing when it came to managing money - surely there's a better way.
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After much trial and error, I discovered the peace I was missing. And it came from something you wouldn't expect - a budget. Since you've downloaded this Monthly Budget worksheet, I imagine you're looking for some peace in your finances, too.
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This is the exact spreadsheet I use to keep my spending on-track. I know it will bring you as much relief as it did me. Follow the steps below and eliminate overwhelm in your finances.
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HOW TO USE THIS SPREADSHEET
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1. At the top, enter the current month you're working on.
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2. The first section, "Monthly Budget Overview," will automatically update as you fill in the spreadsheet. Skip down to the "Income" section and enter the amount you expect to receive from your paychecks and any "other" income you might receive.
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3. The "Expenses" are divided into different category sections. As you go down the list, enter the amount of money you anticipate spending in each category. If you're not sure, gather up your old receipts and review your bank statements to help you add up your typical spending for each area. Note: The expense categories marked with an asterisk * are the categories I'm guilty of overspending in. I use a cash-only system for that spending to keep me accountable - once the cash is gone, I'm done spending for that category. Works every time!
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4. Once your expenses are entered, go back up to the top of the spreadsheet and review the "Monthly Budget Overview." You shouldn't spend more than you make and if you end up with a negative number, you're going to need to make some adjustments in the way you plan to spend your money.
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5. As you begin the month, enter your expenses for each line in the middle columns marked "track your actual expenses here." For example, if you take a trip to the grocery store and spend $57.36, enter that amount on the "Grocery" line. The spreadsheet will automatically add up your total spending for each category and will subtract that from your budget amount - and you'll instantly know how much money you have available to spend for the rest of the month.
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6. Keep a close eye on the "Monthly Budget Overview" section at the top to make sure you don't overspend! Nothing steals your joy faster than realizing there's too much month at the end of the money.
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It might take a month or two for you to get in the habit of tracking your spending this way - but this system really works. I've used it myself for over a year and it's easy to see if I'm on track or if I need to scale back my spending.
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