Technically you don't "need" the Internet, although you want it because your life is certainly going to be much easier with it than without it. You need food and water and shelter, and that's about it.
Downloadable household budget worksheet how to#
Note that "Payees" in this case includes descriptions for anywhere money is sent, such as "Transfer INTO Account" and "Other".Ībout - More detailed information about this free template, and instructions on how to use some advanced features.ĭo I need an income and expense tracker template? Payees - A simple list of your Payees, along with their contact information. The final two columns show your total spending on each category so far, and the monthly average of that total divided by the number of months tracked. Your monthly start and end balances are displayed along the top of the chart, and then monthly expenditures broken down by category are detailed below. Summary - Provides a month-by-month overview of your income and expenses by category. When you enter the Amounts (positive and negative) of each transaction, the sheet is designed to automatically calculate your running balance.
Receipts can be attached right in the spreadsheet, and the Memo field covers any additional information. Each transaction is marked as Expense, Income, or Transfer, and categorized for easier tracking. Register - this is your complete register of all transactions, listing not only dates and what Account type the transaction was drawn on, but also the payee and check number when applicable. The income and expense tracker template above includes four worksheets: It also allows you to enter more information and categorize transactions, so you can get a fuller picture of exactly where your money is going and whether enough of it is sticking around. If you don't have any expenses, bookmark this page, and come back when you move out of your parents' house.Īn income and expense tracker works similarly to a checkbook ledger, only this template is more robust, allowing you to track your income and expenses across multiple accounts, not just checking. But tracking your finances is a good way to keep them in order and get a handle on your spending, while making sure you can plan for recurring expenses. It's easier than ever to spend money without thinking about it, thanks to credit cards, instant digital payments, online ordering, and that restaurant in town with the good food, you know the one. Home Budget Worksheet - Our original selection of home budget worksheets.If you have any expenses, an expense tracker template like this one can record your transactions and help you organize your finances.Personal Budget Spreadsheet The 12-month version of the personal budget version.Personal Monthly Budget - Like the one above, but less detailed, and designed to fit on a single page.Family Budget Planner - This is the 12-month version of the household budget spreadsheet listed above.Money Management Template - Record transactions to automatically populate the budget vs.If you add or remove any categories, just make sure that the formulas used for the totals don't get messed up. If your Net is negative, that means you have overspent your monthly budget.Īdding or Removing categories: The household budget template contains a very detailed list of categories, which you may or may not need. The Monthly Budget Summary table totals up all your income and expenses and calculates the Net as Income minus Expenses. If you spend more than you budgeted, the Difference between the Projected and Actual values will be negative, and if your Actual income is less than your Projected income, the Difference will be a negative number. In this spreadsheet, the calculations are set up so that negative numbers are bad. The cells in the "Difference" column use conditional formatting to make negative numbers red. At the end of the month, you record in the "Actual" column how much you really spent during the month. This represents your goal - you're trying to keep from spending more than this amount. You record your desired budget for each category in the "Budget" column. The purpose of this worksheet is to help you compare your monthly budget with your actual income and expenses. You may also want to read the article " How to Budget". Our article " How to Make a Budget" explains how to use these spreadsheets to create your budget. You'll want to replace the values in the Home Expenses category with your own. To use this template, fill in the cells highlighted with a light-blue background (the "Budget" and "Actual" columns). 42 Effective Ways to Save Money Budgeting Tips for the New Year Using the Household Budget Worksheet
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