My ultimate mission for my blog is to reach out to as many people as I can and tell them about my budget experiences. Budgeting worksheets have really changed my life, how I view money and helped some of my achieve my financial goals to date.
The answer is simple - it can and I want to show you how
Here are some really great reasons to get started with a budget printable:
You need a way to get out of debt faster
You haven’t got a clue where your money actually goes every month.
You want to save for that holiday or even a day out with your kids.
You want to save for a house
You want get out of overdraft.
The list could go on and on.
Long story short, I started with a blank budget planner like this one here, that you can get for free.
- Use your bank statements to record your main expenses.
- Set a budget for variable expenses e.g. groceries, clothing, travel, eating out.
- Record your income (don’t forget to include other extra sources of income e.g. rental houses).
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If you would like a flexible monthly planner, you can download the blank version below.
This was in response to a lot of people giving me feedback, saying that my budget planner was great, but they needed their own categories etc.
Budgeting is a Personal Process
It is really important to remember that budgeting is a constant learning and editing process. No-one can tell you that your budget is wrong, because it is personal to you. Your financial situation is unique. Don’t worry either, if you don’t get everything correct first time. It takes time to collect together all the information you can for your household budget.
As time goes on, providing you find ways of sticking to your budget (which isn’t always easy), you will find that your budget becomes:
helps you to see where exactly you are spending too much money
a motivator to stick to the actual budget itself.
a tool to help you achieve your goals.
One way of setting your budget up, is to complement the budget template with my email course.
This is a 4 day course, that you take your time over, but it covers everything you need to get your first household budget set up.
How do I make my own printable blank budget worksheet?
Personally, I use Word and create a table, then I make it look pretty!
The reason I have done this is because I stick to my budget if I have something colourful to look at, and if I have made the effort to write the budget out.
But, you could also use a spreadsheet, which would automatically work out the totals for you.
Ways to keep motivated:
Use colourful cash envelopes for cash budgeting
Give yourself achievable goals.
Look at your spending every month - is there anywhere you could cut, and then save a small amount every month?
Give yourself a treat - remember to have balance in your budget.
Life is supposed to be fun, right.
So, here is your introduction to budgeting via a blank budget sheet. If you have any questions, let me know via my email, or the comments section.