While at the end is the total which is the difference between income and expenses. In the items column, you get three things that are a list of income sources, expenses, and savings. The template is so easy to use with five different columns including item, budgeted amount, actual amount, difference, and notes. Subscribe page printable monthly budget template Now let’s review the 31 templates one by one: 1. Related Post: Cash Envelope System: 9-Simple Steps To Do Envelope Budgeting 31 Downloadable printable monthly budget template You can see how beneficial these budgeting templates are.
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But it doesn’t have to be! I spoke with a couple in episode 114 of my podcast who overspent on holidays because their earnings combined were a lot. The entire point of these tools is to simplify money management so you can think about your money less, not more.įor many people, budgeting and planning for big expenses like vacations are a struggle. Simplified spreadsheets help develop your plan, and budgeting apps, like those that automate expense tracking, help you stick to it.
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Finally, you need to stick to your plan.īudgeting spreadsheets and tools are great resources for creating a conscious spending plan. You then need to decide how much money to allocate to each bucket.
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You need to start with a bullet-proof budget, categorizing all of your expenses into one of these four buckets: fixed costs, investments, savings, and guilt-free spending. Conscious spending is a great way to enjoy life while still building a financially secure future.