personal budget worksheet template google sheets

See below for their ideal budget and their proposed budget: They have two car payments and a student loan. Their home mortgage is relatively modest at $1,400/month. They have two young children-one in school, the other in daycare. Here are the stats of our example couple, Samantha and David:īoth work and earn a combined monthly income of $8,000. What if you’re married with kids? What might your family budget template look like? His credit card balance is going up, so his minimum payment is likely going up-making it even harder for him to stick to his $3,000 budget next month. Steve made $3,000 and spent $3,465 that month.

What does that look like? And how did he do?īy viewing the budget chart, it’s pretty clear Steve overspent in “Auto”, and he blew it in “Food” and “Personal” as well.īy looking at the table, you’ll see that he overspent specifically in: Let’s say Steve (yes, I’m finally naming this guy) gets through one month of tracking his expenses. Monthly budget example with actuals: the single guy Personal-he’s spending more on himself than he can afford given his income.

Second, it looks like he’s overspending in the following categories:Īuto-he’s got a car payment that’s weighing him down.ĭebt payments-he’s got student loans and credit card debt. Where is he falling short? Where is he spending too much money?įirst, he’s not saving any money and he’s not giving either (which I believe is important for a human-to do less for ourselves occasionally and instead do good for others in need). He has no kids or pets, so we have zeroed out those sections. Here’s what this monthly budget example looks like: He has other pretty standard expenses (medical, cell phone, gas, etc.) and gives a few bucks to charity here and there. He spends roughly $150 a month on groceries and goes out to eat once in a while. It’s your choice.įirst up, the single guy with some pretty straightforward income and expenses: It makes you the master of your money instead of a slave to it. In the end, I cut my budget to just $460 a month (excluding property taxes and insurance, which I paid once a year). If they didn’t, I found cheaper rates with other providers. I needed them lowered, or I was going to look elsewhere. I told them I was looking at my budget, and the rates they were charging me were too high. I immediately called my cell phone provider, insurance agent, and cable company. Within seconds, I found expenses that were just too much for what they were. I put all those expenses into a simple monthly budget template. I looked at my bank and credit card statements to see what I was spending each month. Here’s the play-by-play of what happened when I wrote out my budget: There were two main reasons I accomplished such a feat:

There is also a calendar view if you want to budget and track your spending each day:Ī few years back, I paid off $21,000 of debt in just six months. Then hop into Google Sheets and upload the file.)Īn estimate of what your budget should look like.Ī space for you to enter your budget by category.Ī column for you to enter your actual monthly spend.Īnd, of course, there are budget charts so you can quickly analyze how you’re doing. (To use the file in Google Sheets, download the Excel budget planner from Etsy and save it to your computer. Katlin recently purchased this budget sheet and rated it 5 stars out of 5:Ĭan’t wait to check it out and use it for yourself? Make a small investment and download the full version from Etsy. Here’s a sneak peek at our monthly budget template-available in Excel and Google Sheets. And you don’t need to involve anyone else in the process if you don’t want to. With this DIY budget planner of sorts, you can see if you’re on track with your spending goals each month. It’s meant to plan your income and expenses, and then show what actually happened. A monthly budget template is basically a budget tracker.

Personal budget worksheet template google sheets