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#Easy household budget planner free download skin
#Easy household budget planner free download download

Highlight “Needs Help” for categories you want to focus on.

Plan your spending by setting a dollar amount for each budget category.Using our printable worksheet below, set spending limits for your budget categories and highlight areas where you can cut costs. This step is about setting realistic monthly goals for every budget category. Now that you know how much money is coming in and how much money is going out, plan how you’ll spend your dollars. You also want to budget monthly for annual or semi-annual expenses so that you’re not surprised when those bills are due.įor example, if you pay a $600 auto insurance premium every six months, set aside $100 every month and keep it in a savings account until your next payment.Ĭonsider setting up automatic transfers from your checking account to your savings account for these irregular expenses. Start by going over last month’s statements and recording your bills by budget category: mortgage/rent, groceries, cell phone bill, etc. Next, write down a list of your expenses. Maintaining a budget can help you make sure that your income exceeds your expenses and allows room for retirement savings. This includes your take-home pay (your paycheck after taxes and other deductions) and any other sources of income. The first step is to figure out how much money you’re bringing in every month.

#Easy household budget planner free download download

Read on to learn about the five steps to a successful budget and download our printable worksheet (PDF file) below to start budgeting the Team Clark way! 1. To help you get started, remember that budgeting is as simple as C-L-A-R-K: After the initial setup, it’s really easy and doesn’t take much time.

Making a monthly budget for the first time may seem overwhelming, but it doesn’t have to be complicated. This is about giving you power back into your life.” The CLARK Method: 5 Steps to Better Budgeting “Tracking what you’re spending and then seeing where you can make changes in your life is powerful. But the whole idea of budgeting is freeing because you’re getting your life under control, creating more choices and reducing anxiety,” money expert Clark Howard says. “A lot of people look at being told to do a budget as if their life is being restricted. The CLARK Method and our free budget worksheet will put YOU in control of your money: We developed a 5-step plan to help you create a personal budget and stick to it over the long haul.

If you are left with a negative number, you may want to review your budget planner.The secret to saving more and spending less every month isn’t a secret at all - it’s a budget.

You are then left with your total remaining for the month.

You can work out your total outgoings by adding step 2+3+4+5+6.

Once you’ve filled in each of the steps, you can ‘do the maths’ by taking all of your total outgoings from your total income.

Fill in the appropriate boxes on the sheet and then work out the total for each section.

Download and print off the household budget planner.

‘Our household budget planner’ is easy to use. Read through the planner and think about what you’ve got planned for the month ahead are there any events such as birthdays or Christmas happening this month which would mean that you need to budget differently from the previous month? It is best to fill the budget planner in at the end of each calendar month. The planner will allow you to quickly identify where you need to make cuts to help you manage your money more effectively.īefore you use our household budget planner for the first time, it makes sense to spend some time gathering together the documents you will need, such as pay slips, council tax bills, insurance policies and credit card bills.

It will help you to work out how much income your household is bringing in each month and whether, as a household, you are spending more than you can afford to on luxury items.

#Easy household budget planner free download skin

If you’re struggling to make ends meet each month or you are only making your money stretch to next pay day by the skin of your teeth, then the chances are that you do not have a household budget, or if you do then it may need some work.Ĭreating a household budget is the most precise way of getting a full picture of your finances.