Do you ever wonder why your friends and family keep asking you for that money? You know, for things like food, rent or other expenses. They probably don’t see any need to ask. Maybe you do because budgets are boring! You might think that a budget is simply a list of numbers. But really, it’s more than that. A budget is a tool to help you manage your finances and achieve your financial goals. It should also be fun. Writing down how much money you spend every month would be a good start but if you want to reach your financial goals, creating an adequate budget is a perfect way. Here are a few budget templates that will help you get started:
1. Google Sheets Budget Spreadsheet
In case you don’t know, Google Sheets is a free online spreadsheet application. It allows you to create and edit spreadsheets online and share them with others. You can also download them to your computer and access them offline when you are not connected to the internet. They are great for people who need to keep track of many things at once. For example, this budget spreadsheet is for those who own a business or have multiple financial accounts.
2. Personal Capital (App)
Personal Capital is an online financial management tool that helps you track your finances and set goals. It has many great budgeting features that are easy to understand and use. The budgeting templates on the Personal Capital website are straightforward to follow and easy to understand. It comes with a few sample budgets (one for each type of financial goal) that you can use as a starting point or customize to your needs.
3. Mint (App)
Mint is a personal finance manager that helps you track your spending and make better financial decisions. It has many great budgeting features that are easy to understand and use. Mint application is very user-friendly, and it has a lot of helpful budget templates. You can download them for free and use them for your budgeting.
4. Microsoft Excel Budget Template
Microsoft Excel is a great spreadsheet application widely used by businesses and individuals. It has many helpful budgeting features, such as tracking and managing expenses and income. You can use it to create templates for your budget. For example, you can download this template for $25 or get a subscription to Microsoft Office 365 for $19.50/month (for one year). According to recent research, this is the best price for a subscription to Microsoft Office 365.
5. Qube Money
Qube Money is a personal finance manager that helps you track your spending and make better financial decisions. The Qube Money website’s budget templates are easy to follow and easy to understand. You can download them for free and use them for your budgeting.
It may seem overwhelming if you want to start budgeting and building a financial plan. You must create a budget that works for you and stick to it. It would be best if you were realistic with your spending habits and what you can afford. You may have to change your spending habits to
