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In order to reach a stable financial situation, you need to gain command and control on your finances. Having a comprehensive budget that you can use as your guide will help you be aware of your spending and saving patterns. These budget templates are 100% customizable, easily editable, professionally made, time-saving, and are printable. These templates are customizable so you can custom-fit it to your personal or professional purpose/s. Available in A4 & US letter sizes, our templates are quick and easy to use to offer you the utmost convenience. Download our printable Budget Templates in Apple Pages for free now!
A budget is a financial or spending plan that considers the future of a business or your own finances. Whether it is an annual or a monthly budget, a business that creates a budget can function to its prosperity. Having a budget is vital to make your business operations practical and manageable. A business budget will help you understand a potential risk regarding money matters. This will also help you observe your company's performance as well.
If you need to make a budget for any purpose, you can follow these simple steps:
The first thing to consider when making a budget is the purpose. Why do you need to make a budget plan? You need to be apparent about what you are spending. Grasping the goal of your budget will escort you with balancing how much you spend to how much you earn. This will help you with setting your priorities in numerical terms. Furthermore, budgeting is helping your business ensure that your money goes to the designated management, project, production, and other objectives your business has.
The next thing you will have to do is to decide what software you will use. You can use Apple Pages to make your budget. Since Apple Pages is good for making documents which you can edit on your PC or Mac. You can search and download a budget template, a budget proposal template, or any template that will be helpful for you.
The next thing is to review your past revenue. Revenue is the sales and profits that your business gain. Another thing, this means the money that your business acquired before the reduction of costs. You need to examine your income for the past months. If you have data for the past 12 months or more, the better. After that, you have to check for the changes that happened during those timeframes. If you have gotten your data, then you can easily fix problems and improve your annual budget for the next time.
The next step is to deduct your fixed costs. Fixed costs are the unchanged costs of some of your business' expenses. You need to analyze the fixed costs of your business. With fixed costs, one business is different from another. You can make a printed checklist of your fixed costs and find their sum. Then, you can subtract the sum from your income. Next, you have to analyze the variable costs. Unlike fixed costs, variable costs are the expenses that are inconstant. These costs can change depending on some factors. During a low time in your business, it is important to limit your variable costs.
Semi-Variable Costs are expenses that have the characteristics of fixed and variable costs. You need to include this on your business budget. Once you have your data on your fixed costs, variable costs, and semi-variable costs, you need to add them to get the total number. After that, you can examine if you have reached your profit margin or shorter than your revenues.