Table of Contents
- 5 Steps on How to Create a Budget Planner
- 12+ Budget Planner Templates
- 1. Family Budget Planner Template
- 2. Hotel Budget Planner Template
- 3. Financial Budget Planner Template
- 4. Annual Budget Planner Template
- 5. Household Budget Planner Template
- 6. Budget Planner Template
- 7. Wedding Budget Planner Template
- 8. Monthly Budget Planner Template
- 9. Personal Budget Planner Spreadsheet Template
- 10. Simple Monthly Budget Planner Template
- 11. Free Budget Planner Inventory Spreadsheet Template
- 12. Free Simple Budget Planner Template
- 13. Budget Planner Worksheet Template
12+ Budget Planner Templates
Managing our own finances can be very hard especially when there are temptations surrounding us. It takes great self-discipline to be thrifty. Financial literacy is not something that everybody possesses. Most people would result to impulse buying whenever there are sales or discounts without thinking that eventually the item they bought will become useless. We tend to realize the importance of money only when we have none. So, when you have the money in your hands, think twice whether that new handbag is worth it or not.
5 Steps on How to Create a Budget Planner
Step 1: Note your net income.
One of the most common mistakes we make is immediately spending our income on shopping and then we spend what’s left for necessities. This should not be the case, it should be the other way around. First and foremost, we should prioritize the things that should be paid first such as our taxes, rent, and etc. Then, we deduct it to our net income and what’s left can be consumed for shopping and/or saving. This way, we don’t have to worry about the financial shortage.
Step 2: Track your spending.
To have effective budgeting, you should be aware of your expenses. Write them down on a piece of paper to determine which ones you need to reduce. Writing them down is more effective than enlisting them on a digital note because you’ll be able to recall more that way. There are fixed expenses that you cannot reduce such as your rent, taxes, and etc. Your shopping and meal expenses can be reduced. For example, you can opt to shop once every two months and you can bring a home-cooked meal to work to prevent spending for a meal.
Step 3: Set your goals.
Set long-term and short-term financial goals to motivate you to save. Short-term goals include a holiday vacation, minor home improvements, and etc. Long-term goals include factors such as retirement, homeownership, and college. You can pin these to your vision board to constantly remind you of your goals. It’s easier to adjust your current spending if you have goals set in mind. Without a goal in mind, you’ll be irresponsibly spending your money on things that won’t matter years from now.
Step 4: Make a plan.
From the list of expenses you’ve made, decide on which ones you can survive without. You can’t reduce your fixed expenses so you have to reduce the unfixed ones. These expenses might be your gym membership (you can exercise at home), cable television (you can watch the standard provided channels on your tv), and etc. Your needs will always outweigh your wants, so adjust your habits and prioritize the ones that need prioritizing. You can spend on your wants once you have allocated a budget for it.
Step 5: Keep checking in.
Constantly check your progress to see if you are still on track. Do not throw away your budget plans after you have exhausted them. Instead, keep them for your future reference. Eventually, your salary and expenses will increase but you always have the choice to alter your budget. Take advantage of this raise to increase your savings. It’s not bad to reward yourself every once in a while but, take note of how it could possibly affect your budget.
12+ Budget Planner Templates
1. Family Budget Planner Template
2. Hotel Budget Planner Template
3. Financial Budget Planner Template
4. Annual Budget Planner Template
5. Household Budget Planner Template
6. Budget Planner Template
7. Wedding Budget Planner Template
8. Monthly Budget Planner Template
Budgets vary monthly that’s why this Monthly Budget Planner Template is available to assist you with your monthly budgets. Keep track of your company expenses every now and then to detect any inconsistencies. This template shows a detailed view of your expenses and where to cut back as well. By careful assessment, you can decide which expense is unnecessary. Available in formats such as Google Docs, MS Word, Pages. Download this template now to assist you in your monthly budgeting.
9. Personal Budget Planner Spreadsheet Template
Having a hard time budgeting your personal expenses? Why not use this Personal Budget Planner Spreadsheet Template? It lets you categorize your expenses for easy tracking. It has an ‘Estimate’ and ‘Actual’ column which lets you know how much you saved at the end of the budgeting. This template is editable so you can reduce the provided info or add whatever you think is missing from the template. What are you waiting for? Download this now!
10. Simple Monthly Budget Planner Template
Financial literacy is something that can be acquired. It is acquired through careful planning and handling of your finances. What helps you plan and handle your finances is the use of budget planners, such as this template. The use of this template is to maximize your savings and to extract whatever is consuming too much of your money. Allow this template to be your aid in achieving your financial goals. Available in formats such as Google Docs, Google Sheets, MS Excel, MS Word, Numbers, Pages, and PDF.
11. Free Budget Planner Inventory Spreadsheet Template
The future is unpredictable that’s why it’s practical to secure it by planning your budget today. Do not allow yourself to face future empty-handed. Plan your finances now through the use of this template. If you prefer a simpler and generalized version of the previous templates, then this one is for you. Input the necessary info on the template and start planning your finances. Grab the chance to download this now to aid you in your budget planning!
12. Free Simple Budget Planner Template
The mere use of a budget planner is to track your expenses and see where you overspent. Avoid overspending and unnecessary purchases by using a budget planner such as this one. If you are the type of person to prefer an uncomplicated version of a budget planner, then this one is for you. You can input your expenses in a single column if you do not prefer to categorize them. Get this now for your finance tracking!
13. Budget Planner Worksheet Template
www.consumer.ftc.gov
Using budget planners can get complicated especially if you don’t know where to start. That’s why we have this template that provides everything for you. This is a hassle-free template because it provides everything from your housing to bank-related expenses. The month, year, and amount are all you need to provide. This serves as a guide for you. Take the chance to download this template now for a smooth organization of your expenses.
If you have short-term and long-term goals, then you need to be mindful of the expenses you’re incurring now. Budget planners can help you do just that. Sometimes, budget planners can get tiring because you are constantly dealing with numbers and computations. That’s why we are providing you this colorful budget planner to somehow energize you to make one. You can easily monitor the ones that needed to be cut back. Grab the chance to download this now for your financial planning!
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