- Printable household budget worksheet how to#
- Printable household budget worksheet pdf#
- Printable household budget worksheet free#
At the end of the year, if I haven’t spent my “stupid mistakes” money, I save half and I spend the other half.) That changed things quickly, and I currently save $200/month for unexpected expenses. Then, within two months, I had to go to the doctor for $600 and I got a traffic ticket for more than $100. One category I recommend is “stupid mistakes” or “unexpected expenses.” (When I first started, I saved $20/month for unexpected expenses. For example, maybe you don’t have debt to pay off, but you do have monthly expenses for your pets. If you see any glaring omissions of your major spending categories, add them. To find the answer, let’s walk through this step by step. You’d think it would be easy to figure this out, right? Ha! It turns out this is one of the toughest questions in personal finance. Before you can do anything else, you’ve got to figure out how much these add up to. A good rule of thumb is that fixed costs should be 50% to 60% of your take-home pay. Step 3: Calculate your fixed costsįixed costs are the amounts you must pay, like your rent/mortgage, utilities, cell phone, and student loans.
Printable household budget worksheet how to#
Now, let’s break down how to come up with your numbers for each category. Your spending doesn’t have to match these exactly, but I would be cautious about straying too far from these percentages. The percentages for each category outlined above are my recommended guidelines.
Printable household budget worksheet free#
Need More Help With Budgeting and Bill Pay?īe sure to check out these other free printables.Vacations, gifts, house down payment, emergency fund, etc.ĭining out, drinks, movies, clothes, shoes, etc. If you’re having trouble printing or editing one of our printables, click here for help.
Printable household budget worksheet pdf#
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If you save it, you’ll be able to tweak it throughout the month, if you need to. Once you’re happy with your budget, print it out, or save it to a device. Make those things a part of your budget, and you’re much more likely to follow through with them. Since we’re all about side hustles, saving and paying off debt around here, you’ll also see that this budget worksheet has room to enter multiple income streams, and to plan how much you’re going to save and pay off this month. To budget for expenses that you only pay once a year, just divide those costs by 12 to arrive at their monthly cost to you. You want your budget to reflect your true out of pocket costs for the month. Also leave off health, life, dental, vision and disability insurance, if they’re automatically deducted from your pay. If there’s an expense listed that doesn’t pertain to you, just enter a zero in the field next to it.ĭon’t include homeowner’s insurance or property tax, if they’re included in your mortgage payment. Want to see how certain changes would impact your budget? Go back and tweak the numbers as many times as you’d like, and the total will continue to update. Just input your monthly income and expenses, and the worksheet will automatically crunch the numbers as you go. And it even has extra space for you to enter additional expenses.
It includes lots of things that other budget worksheets leave off – stuff like streaming services, pet care and gifts. Use this printable monthly budget worksheet to create a budget that matches your lifestyle and your goals.
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