Other essentials-like insurance and debt.Four Walls-food, utilities, housing and transportation.When it comes to all the monthly spending you need to plan for, you’ll see the budget worksheet goes in this order: Now that you’ve planned for what’s coming in, you need to plan for what’s going out: your giving, saving (depending on what Baby Step you’re on), and spending. Now you know how much money you have to work with this month. Now, add it all up and write in your total. (We’ve got a special irregular income budget template if you need it.) You can adjust later in the month if you make more. If you’ve got an irregular income, take a look at what you’ve made the last few months and list the lowest amount as this month’s planned income budget line.If you’re married, list out all the income for both of you.Make sure you write in regular paychecks and anything extra, like that side hustle money.
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Here are some quick callouts when it comes to this first step: This is the proven plan to get ahead with your money-from saving more to paying off debt to building real wealth.ĭo you see the Planned column at the top of your Quick-Start Budget template? That’s where you list out all the money that’s coming in this month. We’ve got three steps to set up that budget and two more to keep it going-each and every month.īefore you dive in, print out your Quick-Start Budget template and open up your online bank account!Īlso, heads up: We’re about to mention the Baby Steps a couple of times. You ready? (Yes, you are.)Ī budget template (or budget worksheet) is a great way to get everything on paper, right there in front of your eyes. There’s nothing like having clear directions to follow and step-by-step blanks to fill in to give you the confidence you need to get going on this budgeting journey. You know what can help? A budget template! Because a budget is a plan for your money-you tell it where to go, so you stop wondering where the heck it went.īut if you’ve never budgeted before, or it’s been a while, jumping in can be challenging. These are all things you’ll need to set aside monthly.No matter what you want to do with your money, it starts with a budget. The long-term category focuses on investments, insurance, mortgage, and retirement. It’s not the prettiest spreadsheet but breaks your budget down into three main categories: long-term, short-term, and For Us (aka personal spending). How often do you think about saving for the future? Do you need to cut back on your expenses? The Haverland Budget template is what one family used to save $6,000 in a year and cut back on unnecessary expenses. It’s not for budgeting but does cover all of the other details. If you need help with the actual planning, consider A Practical Wedding’s Complete Wedding Workbook. Since the template comes from a wedding blog, there are also links to suggested resources in different categories to help with your planning.Įven if you’re not planning a wedding, this template can easily be modified to plan most any major event, such as a birthday party, retirement party, or holiday party. You can set estimated costs and the actual costs, list every supplier name and contact details, and even list when you placed a deposit and when the final payment is due.
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While it looks rather simple, the comprehensive list includes jewelry, venue planning, music, flowers, fashion, photography, catering, vendors, and much more.
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For instance, you may have thought about the venue and DJ, but what about budgeting for wedding party gifts? The great part is that it may also help you figure out what to plan for. Planning a wedding isn’t easy, but Bridal Musings’ Wedding Budget template does help simplify the budget-planning part. If you have multiple credit cards, are part of multiple rewards programs, and/or need to track bank account terms and fees, this template is a must-have. It’s one of the best budget templates for Google Sheets to use alongside another budget template. It’s a uniquely-styled budget template for Google Sheets that lets you see which cards are helping you and which might be hurting your credit and budget, such as those with high-interest rates and fees. Easily track points, travel miles, fees, interest rates, credit score, and even bonuses, fees, and rewards related to your checking and savings accounts.