If you prefer working on a computer or hashing it out on paper, then check out these free, ready-to-use downloadable budget templates that will help you build a financial plan. Understand where all your money actually goesĪ few weeks ago, we posted a list of our favourite mobile budget apps.Can comfortably put your feet up during retirement.Stay out of debt (or work your way out of it).Always have enough money for the things you need and want.Maintaining a budget can help ensure that you: Getting started on a personal budget can be daunting and keeping it up can be a challenge. As you go along, it’s important to keep the big picture in mind. Regular check-ins to remind yourself about the long-term benefits of budgeting can help you become more intentional with your daily spending. Wait… budgeting brings happiness? Yes, it can! Take it from someone who used to loath it. It wasn’t until I downloaded and started playing around with a few budgeting templates that I actually began to appreciate the process. Maintaining a balanced budget has not only brought me closer to reaching my personal goals, but it’s also made me feel more relaxed, and dare I say, happier. Some people love pouring over numbers. But for me, up until recently, the very idea of sitting down to work on a financial spreadsheet would make my eyes glaze over. Not only was it not on my to-do list, budgets and financial planning were something that I avoided altogether. Try Smartsheet Template Weekly Budget Planner Track your income and expenses on a weekly or bi-weekly basis to gain better insight into where you’re spending the most money and identify areas where you can save.

Free income and expenses spreadsheet