If you're trying to maintain a realistic budget, the Consumer Financial Protection Bureau (CFPB) recommends creating a budget spreadsheet or worksheet to track your income and expenses. Sinking funds eliminate surprise (but not emergency) expenses. An emergency fund helps your budget remain predictable. Free Monthly Budget Templates from Microsoft Office. ![]() That way, you can budget your money appropriately for your needs. Dave Ramsey’s Every Dollar Budgeting Tool. Spreadsheets help you to see how much income you have, as well as how your money is spent. Much like a business, a person benefits from using a spreadsheet for their finances because it places all the information they need in one easy-to-read place. If youre attempting to wrangle your monthly expenses, the trusted financial advice publisher Kiplinger has a handy spreadsheet that you can fill out online. All of these entities use spreadsheets for creating budgets, tracking spending, and creating reports for their financial matters. Since then, the technology has been adopted by businesses, banks, and governments. Learn about all of your options, here.ĭan Bricklin and Bob Frankston created the first financial spreadsheet program in 1979. Managing your personal finances can seem like a daunting task, but it doesn't have to be: There are many budgeting and personal finance spreadsheets readily available online. Budgets help you plan for your monthly expenses, activities, needs, and even your financial future. ![]() ![]() Tip: One benefit of using a template is that it lists common expenses for you so that you don’t forget. Sites like Vertext42 and Spreadsheet123 offer nice collections of budget templates. One of the best methods for managing personal finances is to create a budget.Ĭreating a budget can help you keep your finances organized and also control the amount of debt you might require to live the way you want. If you’ve browsed Microsoft’s budget templates and don’t see one you like, you can choose a third-party template. Basic living expenses need to be maintained for a reasonable quality of life, which can be attained by most people if they manage their finances correctly. Discover our free online MoneyHelper Budget Planner tool to gain a better understanding of your money coming in and out, and how to improve your finances.
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