- #MONTHLY HOUSEHOLD BUDGET SPREADSHEET TEMPLATE HOW TO#
- #MONTHLY HOUSEHOLD BUDGET SPREADSHEET TEMPLATE DOWNLOAD#
I’ve tried sharing my budget tips with younger family members, and they shake their heads at me ’cause they don’t get it (or maybe they just don’t get ME, go figure!) They think it’s just a little crazy or silly to do. If there were changes (and there usually were), I knew where the changes were coming from & where I needed to reevaluate that purchase that I considered a “little something extra” (mainly the frozen coffees I splurged on a couple days a week since the deli in my office building sold them).and then I invested in a small blender from a nearby thrift store ($3.00+change) & concocted my own recipe with the items already in my pantry! (try that for a few weeks & watch your budget have a surplus!) I kept a small memo tablet in my purse & jotted down any- and everything “extra” so I could enter it during the weekly check-up. I was diligent with using this spreadsheet & checked it on a weekly basis. When I used this spreadsheet, I’d plug in all those non-changing items for the whole year (rent, transit expenses, cable, cell phone bill), and for other utilities, I averaged six months worth & added $10 to whatever the average was – since one bill is never the same unless you’re on some type of budget plan – With this guesstimate, I found that I generally had money back in my pocket which I applied to paying off a credit card here’n’there! The other “tools” I’ve used mainly show what I’m spending & when/where I’m spending it (like, when a bill is due, I open my budget spreadsheet, enter the amounts being paid, click AutoSum, and I’m done with it.) Still, I’m finding that I don’t have quite the same “stick-with-it” attitude doing it that way as I do with this one. I personalized it more by adding in extra columns to reflect my bi-weekly pay dates. I’ve used several others since, but I think I’m going back to this one it really is the best. This spreadsheet is very similar to one I used a few years ago. Little reviews and updates can add up to big changes. Step 5: Repeat, Revisit, Review!Ĭheck in with your spending, earning, and debt reduction. By facing the hard stuff and making changes you’ll turn your money around, rather than turning your back on your money.
Step 4: Turn it around!įacing the numbers and looking for ways to cut spending, increase income, or changing spending habits can be a messy uncomfortable process. Wherever you spend, however much you owe, whatever you save - Your monthly totals are not your self worth, it’s your starting line.
Amend as you see fit, but it could be a good place to get started. It also has projected and actual costs, as well as savings and loans. It contains sections for most of your incomings and outgoings, from household rent to entertainment, food and pets.
#MONTHLY HOUSEHOLD BUDGET SPREADSHEET TEMPLATE DOWNLOAD#
To help, we’ve created a monthly budget planner for you to download and populate.
#MONTHLY HOUSEHOLD BUDGET SPREADSHEET TEMPLATE HOW TO#
To get started, have a look at our blog on how to manage a reduced household budget.
Mapping out a household budget can seem daunting.
Even for those not affected finanicially by COVID-19, many are aware of the importance of being prepared, of having a stronger grip on the household budget. For many families, they have to examine and manage finances in new ways, to comb through outgoings in finer detail. Our household items, bills, food – our daily dreams and indulgences rounded up, confined into neat lines, reduced to a number on a page. Meticulous planning is admirable but to many of us it may seem odd overseeing life’s expenses the same way we would a business budget. Their holiday to the south of Spain mapped into orderly categories like itinerary and accommodation, logistics. You know the perfect ones - the people who manage their life via excel.
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