Table of Contents
- 5 Steps to Writing a Personal Budget
- 10+ Personal Budget Templates
- 1. Daily Personal Budget Worksheet
- 2. Monthly Personal Budget Worksheet
- 3. Free Personal Budget Template
- 4. Normal Personal Budget
- 5. Monthly Budget Components Tracker
- 6. Simple Personal Budgeting Worksheet
- 7. Personal Monthly Budget Sample
- 9. Basic Personal Budget Sheet
- 10. Quick Start Personal Budget
- 11. Standard Personal Budget Kit
10+ Personal Budget Templates
Personal Budgeting is vital to keep your money in check. The process helps you realize where is your money coming from and going and how can you optimize your expenditure. A lot of people in this world face a financial crisis and that is due to sheer mismanagement of money. Thus, the idea of maintaining a personal budget is highly rewarding. If you are on the lookout for templates to get started, you are in the right place. Here is what you can do to write your own personal budget template.
5 Steps to Writing a Personal Budget
Step 1: Identify Your Level of Budgeting Complexity
If you are an individual intending to manage your personal finances, then the complexity of your budgeting needs is less. However, if you are earning through various sources and have a lot of expenses then your personal budgeting might come in the category of high complexity. Depending on this, identify what level of income and expenses you have and accordingly proceed to the next step.
Step 2: Design the Layout
Whatever you decided on the first step would come to use here. Designing a budgeting document for personal use is very vital. The designing would need your brains at work such that you can thoughtfully decide on the layout and how you may best utilize the given space on paper.
Step 3: Don’t Ignore the Small Details
Having proper spaces for mentioning period, line item details, currency, etc. can make referring your budgeting template a cakewalk. In fact, since finances are seldom uncomplex it is always a good idea to clearly have sections for incomes and expense and other such small details. This would make sure the budget is organized.
Step 4: Work On Making It Attractive
History bears witness that it is very hard to remain motivated about maintaining a personal budget. However, if your template is attractive and makes you revisit it plenty of times you can remain committed to your goal for long. Also, a good-looking budget would make you feel good about the practice you are doing.
Step 5: Personalize Your Needs
Finally, since this document would be your own, and one that you would be using day in out it is suggestible that you personalize it the way you like. For example, if you know that your income is more than your expenses then you give more spaces to your income rows and less to the expenses and so on.
10+ Personal Budget Templates
1. Daily Personal Budget Worksheet
Many of us like to keep track of our budget daily. This template is especially for such people and that is why it is called daily worksheet. This daily budget template can be used for Employees incorporates as well as personalized for yourself. All you must do is add your preferred details and particulars and you should be good to go.
2. Monthly Personal Budget Worksheet
This is another sample budget template on the basic side. It has enough places for mentioning your particulars and does not look cramped at all. With the neatly bordered table with blue fill headers, the template only ends up looking more professional and classier. Thus, you may try this budget template in Google Docs if you are on the lookout for a simple yet elegant looking personal budgeting document.
3. Free Personal Budget Template
This is one of the personal budget templates in PDF you can find. It begins with the Month period at the top and systematically gives space for entering all the information required for you to maintain your entries. If your financials are simple and just need a pen and paper to be managed, then this is the simple budget template you must check out.
4. Normal Personal Budget
consumer.ftc.gov
This is a little detailed document exceeding a page. It adds to convenience by offering a print button at the bottom of the simple budget sample. Also, the text is bold and readable such that ambiguity finds no scope. Overall, this one can be used by middle-aged individuals who have a little more complexity with their finances.
5. Monthly Budget Components Tracker
themintgrad.orgThis monthly budget sample template is in the pdf format and has beautiful formatting. It offers a pie chart of how you should distribute your money. Also, the details about income and earnings below that are very comprehensive. The section covers almost everything you can think of, which is a good thing for many of us who might not remember these otherwise.
6. Simple Personal Budgeting Worksheet
aarp.orgThis document is another masterpiece in the world of self-budgeting templates. Using this one can really make your life easy. Starting off by showcasing your income (from various sources) and then the expenses (various sources) and a Putting it all together section, this design is a fabulous one when it comes to personal finance. Try these sample budget templates.
7. Personal Monthly Budget Sample
aba.comA small and crisp monthly budget template, this one is an attractive looking design. Although, it does not have much scope to expand and is limited on space and customizability. But this is clearly intended for the audience that wants a one-pager budget sheet. At a very basic level, it contains everything a budget planner must include.
This monthly budget worksheet template is in landscape mode. It obviously has more space which has been well utilized. You would notice a lot of details given thereby being inclusive of all the possible expenses that you might incur. Similarly, you can build this template for a yearly period as well.a
9. Basic Personal Budget Sheet
citizensadvice.org.ukAnother simplistic design for your budgeting needs, this pdf document is very easy to fill up, comprehend and maintain. It does not look overwhelming and take care of all the details that you might need to include in your expenses list. Uniquely, this sample budget sheet also includes a list of debts (if you have any).
10. Quick Start Personal Budget
cdn.ramseysolutions.netThis one is more like a budget sample but along with a user-friendly manual. It includes step by step instructions on how to write your personal budget within the template. Also, it is best suited for individuals who have irregular income. The monthly cash flow plan is also something very unique and helpful.
11. Standard Personal Budget Kit
moneytracker.comLastly, this one is a huge free budget template basically intended for individuals with high net worth. Obviously, their finances aren’t simple and so managing the same would also demand a comprehensive template. This pdf has a lot of stuff and one must be sure to check this out if the need for an all in one budgeting template is felt.
Money is probably one of the most important things around. It should be managed properly and efficiently. You must start today by choosing one of the above 11 budget templates for personal use.
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