Free Budget Worksheets
When you are watching your budget carefully, free budget worksheets just make sense. There are hundreds of websites on the Internet with templates that you can download for free and print out as much as you need.
These are especially helpful if you are new to creating a budget because it will allow you to work with a budget for free until you can decide which system you like best. Besides the basic worksheets you may find other printable worksheets that can all work together to help you keep track of your budget and handle your money more wisely. Some of the worksheets you will find, and their purposes are:
Weekly Budget: Helps you to figure your budget based on a weekly paycheck, or four paychecks per month.
Bi-Weekly Budget: Helps you to figure out your budget based on two pay periods per month.
Monthly Budget Worksheet: If you get paid once a month then this worksheet will help you have money at the end of your month.
How Do I Budget If I Am Not Salaried?
If you are a freelancer, contract labor, commissioned, or otherwise self employed then your budget will have to be based on your average monthly income for the past year. To figure that amount, just add up your income for the whole year and divide by twelve.
The resulting amount is what you will figure your monthly income on. That means on the months that you have a large check you will need to put it aside for those months that you have a small check. The average is the amount you will use as monthly income level on your budget worksheets.
Websites with Free Budget Worksheets
Is a great site that has free worksheets for all of your budget needs. This online E-zine has articles, tips, encouragement, and printable worksheets to take care of every question about your budget that you might have. The budget sheets are attractive and easy to understand.
The budget worksheets on this site are:
- Basic Budgeting
- Dealing with Debt
- Monthly Spending
- Annual Budget
- Holiday Gift List
- Holiday Spending
- Menu Planners
- How Financially Fit Are You? Quiz
This site has numerous printable worksheets based on excel. It is customizable and helpful for the person who has worked with budgets in the past. There are also other budget helps to print on this site including:
- Family Budget Planner
- Household Budget Worksheet
- Personal Budget Planner
- Personal Monthly Budget
- Student Budget Worksheet (pdf file)
This site has some great sheets that you don’t find anywhere else.
- Monthly creditor tracking sheet to help you keep track of your creditors, credit cards, spending, and balances. What better way to plan on getting out of debt?
- Children’s Allowance Budget Worksheet to help your children learn to use a budget at an early age.
- Monthly Bill Payment Worksheet helps you keep track of what needs to be paid and when.
- Business Expenses Log will save you a lot of headaches at tax time.
- College Budget to help your college student understand budgeting concepts.
If you wages stay the same month to month then this is a great spreadsheet type of budget printable for you.
This site specializes in the special budgeting needs of Senior Citizens. It includes regular budgets but also includes budgets for those that are living in assisted living facilities.
Mom’s Budget offers a variety of printable budget forms.
Small Successes Reap Big Rewards
Once you have gotten the hang of making a budget and the habit of actually using it, try picking up a budgeting course. These books are full of helpful tips, ideas, and more information on making the most of your money. They are more complex than the free budget worksheets but for the long term budget and financial planning program, they are the way to go.
Take small steps, be consistent, and don’t get discouraged. Good financial planning is a habit and it can be learned.