If you find you are regularly asking yourself what happened to your paychecks at the end of each month, chances are good that you either need a household budget or it’s time to recommit to sticking to one. A budget can help reveal areas that need trimming and potentially ways your household could be saving some money each month.
Maintaining a budget allows for better financial planning for your household by allowing you to see exactly where your money goes. Once you’ve recorded all of your expenses and incomes, you may find it’s time to trim some of the fat and a budget will help discover ways you can not only save money, but how much you have for the fun stuff in life and not just live paycheck to paycheck to pay the bills. Following are a few links to free household budgets that will get you on your way to living a financially responsible life.
Excel Templates
If you’re looking for a generic family budget to track income and expenses, this Excel template is for you. There is a slider function which will allow you to scroll thru the months, making it quick and easy to review your budgets over an entire year. This template is straight forward, a good place to start if you’ve never done your budget before.
If it’s a bright and cheery budget template you seek, go for this Excel 2013 family monthly budget planner MS Office has provided a budget template that clearly shows the user cash flow in versus bills out.
Google Docs Templates
Excel templates not for you? Not to worry, Google Docs has provided its members with a budget spreadsheet that even comes with free advice. Simply sign in to your Google account and you’re on your way to a budget.
Maybe all you need is a black and white budget template that you can easily tailor to your needs. This Google template is very simple to use and even provides a separate sheet for savings.
Free Printable Budget Templates
It could be that creating a budget online isn’t going to work for you. If that’s the case here is a link to an HTML version of a family budget worksheet.
A printable budget worksheet that has nearly every expense already set up can be found here and opened with Acrobat Reader. This is another simple to use, black and white budget template.
