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A simple budget worksheet,alternatives to buying christmas gifts,superheroes with mind reading powers,loving kindness meditation yoga journal - How to DIY

Establishing a budget and sticking to it is not easy, but it is the best way to be in control of your finances. This household budget worksheet is adapted from David Bach’s book, Smart Women Finish Rich and helps you determine what you spend monthly in the eight most important categories. Alternatives for Simple Living has a simple-to-use worksheet for planning the holiday budget.
This entry was posted in Finances and tagged Budget, worksheets on 2009-12-15 by Christine.
It really comes as no surprise that more and more people are starting to budget as the economy tightens up.
In an effort to help out some of the new budgeting converts, I decided to put together this article as a means of consolidating a bunch of budgeting resources. This is budgeting worksheet I created that I use when I am trying to add up my total monthly expenses and compare them to my income. A few years ago after getting frustrated with finding myself in debt every year after Christmas, I decided I needed to take some steps in the right direction by budgeting for Christmas. If you are following the recommended Debt Snowball as a means of paying down your debts, then this worksheet might be helpful. I’m sure others have been looking for an automated or premade budgeting worksheet too.
A simple budget is a great place to start if you are trying to get a handle on your finances.
Disclaimer: This simple budget spreadsheet and the information on this page is for educational purposes only. Vertex42's free Home Budget Worksheet provides a very simple solution for creating a yearly budget. One of the unique things about this particular home budget is that the expenses are grouped into two main categories: deductible expenses and non-deductible expenses.
This worksheet is based on the original Excel 2003 version, created by Vertex42 LLC and Eric Bray.

We also have some newer budget worksheets for you to try, such as the Family Budget planner. I recommend using Quicken to keep track of your expenses, or your budget projections will end up being only wild guesses.
After each month passes, enter your actual balance in the summary section of the worksheet.
Family Budget Planner A yearly (12-month) budget planner, but with different categories and formatting than the one listed above. Personal Budget Planner - This one is like the 12-month family budget planner, but uses a different list of budget categories more suited to an individual.
Personal Monthly Budget - Like the personal budget planner, but for a single month at a time.
You Need A Budget - See this article for my recommendation on an excellent budget software alternative to Excel. Household Budget Management - by Eric Bray (.xls ~50 KB) - I was contacted by Eric Bray about putting his worksheet on this site, and he had some great ideas.
Family Budget - by Eric Bray and Vertex42 (.xls ~50 KB) - This spreadsheets is a modification of Eric Bray's original.
PearBudget - by Charlie Park - If you are looking for a more advanced budgeting spreadsheet that is still simple to use, you can try PearBudget by Charlie Park.
It allows you to budget specific amounts for the month and then compare the figures after the month’s end to see your areas for improvement.
It is simple and will help college students create a budget to keep them in line financially.
So, what we did was created a list of everyone who we could imagine buying gifts for that year and we used this worksheet to stay within our budget. We should have to work to appreciate the final resuld of better money stewardship, however, if that were the case, I don’t think anyone would budget.
If you'd like a way to both create and manage your budget, try the new yearly Budget Calculator or our all-in-one Money Management Template.

I use Excel when working with my budget because that it gives me the flexibility to keep track of the information the way I want to.
If the actual balance is much different from the prediction, try to figure out why, and you may want to adjust your worksheet to reflect your actual income and expenses for the month. It's pretty much a cross between the Home Budget Worksheet and Eric's original Household Budget Management worksheet. The Fool offers this great Home Buying Worksheet to determine how much home you can really afford.
If you have been around here for any length of time you know that I was converted to budgeting and have been thrilled at how liberating it has been. So I created a worksheet that I still use 2 times each month that allows me to schedule and pay the bills on time! For something a little more detailed, try our budget planner or weekly budget spreadsheets.
For example, I like to use cell comments to explain certain budgeted items in more detail (such as the fact that in May, there is Mother's Day and a couple of birthdays to remember). Yes, I said liberating – I believe that budgeting should be fun and if done properly, it really makes your life a whole lot more peaceful. If you are looking for printable worksheets that don't require you to have Microsoft Excel, check out the printable budget worksheet resources listed at the bottom of the page. So hopefully you will be able to find a worksheet that will help you create a better budget! To find out more specifically how to benefit from this worksheet check out this article… Your financial life on one page.

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