{"id":511,"date":"2020-04-10T08:00:53","date_gmt":"2020-04-10T13:00:53","guid":{"rendered":"http:\/\/13.56.60.212\/?p=511"},"modified":"2023-10-19T11:32:52","modified_gmt":"2023-10-19T16:32:52","slug":"start-budgeting-with-our-free-worksheet","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/start-budgeting-with-our-free-worksheet\/","title":{"rendered":"Start Budgeting With Our Free Worksheet"},"content":{"rendered":"\n

Updated April 13, 2023<\/em><\/p>\n\n\n\n

Creating and managing a budget is a great way to help you stay on top of your finances. You can ensure that you have enough to cover your expenses while also determining what to cut back on by planning out your spending every month. Fortunately, a recent poll reported that 69% of respondents keep a family budget<\/a>, which means almost 7 out of 10 of us are on the right track.<\/p>\n\n\n\n\n\n\n\n

Whether you\u2019ve never created a budget, fell behind with keeping track of your money, or simply want to update your current plan, we\u2019ve created a free budgeting worksheet<\/a> that you can use to map out your finances.<\/p>\n\n\n\n

\n
Download Worksheet<\/a><\/div>\n<\/div>\n\n\n\n

Budget Planner Basics<\/strong><\/h2>\n\n\n\n

Your first step to planning your budget is to gather your monthly bills and pay stubs – what money are you bringing in, and what money is going out? Make note of every expense and source of income that you have. <\/p>\n\n\n\n

It may help to review your bank and credit card statements from the past few months; this might reveal any subscriptions or monthly charges that you may have forgotten about, and it can help you estimate your average monthly spend on categories that aren\u2019t always consistent (like groceries and utilities).<\/p>\n\n\n\n

Record All Income and Expenses<\/h3>\n\n\n\n

You should record all of your income and expenses in a trackable format, preferably sorting your money by category. We\u2019ve created a budgeting sheet that you can save and customize here. You may also choose to use a budgeting app or track everything with paper and pencil. Use whatever system works best for you!<\/p>\n\n\n\n

Once you\u2019ve tracked your monthly earnings and spending, combine your total expenses and subtract them from your total income:<\/p>\n\n\n\n

Income – Expenses = Total Output<\/strong><\/p>\n\n\n\n

If your output is a negative number, it\u2019s time to find ways to cut down on your spending. Can you trim down how much you\u2019re spending on eating out, avoid shopping for clothes for a month, or cancel your streaming service to save money? <\/p>\n\n\n\n

If your total output is a positive number, congratulations! You have extra money that can be used to build your savings or put towards paying down debt. Keep tracking your monthly spending and continue to look for ways to save more.<\/p>\n\n\n\n

Budgeting Tips<\/strong><\/h2>\n\n\n\n

Remember that your budget is not set in stone. You can change your budget to fit your life situation at any time. Keep it up to date by adjusting your categories and your allotments as needed.<\/p>\n\n\n\n

Tracking your money and sticking to a budget also takes practice. If you miscalculate while you track or overspend in one category along the way, don\u2019t get discouraged! Use your budget as a tool to improve your spending habits<\/a> and take back control of your finances. <\/p>\n\n\n\n

Top Dollar\u2019s Free Budgeting Worksheet<\/strong><\/h2>\n\n\n\n

We\u2019ve created a free budgeting worksheet for our readers – check it out here<\/a>!\u00a0<\/p>\n\n\n\n

\"Top<\/figure>\n\n\n\n

Our copy is locked for editing, but you can save your own version to edit as you please. Simply click \u201cFile\u201d and \u201cMake a copy\u201d in the upper left-hand corner to save.<\/p>\n\n\n\n

\"Top<\/figure>\n\n\n\n

Find the Right Budget Strategy for You<\/h2>\n\n\n\n

There are several different strategies and tools you can try as you build your budget. Whatever approach you choose, remember that the key is to stick to it consistently and make adjustments as needed to ensure your financial success.<\/p>\n\n\n\n

    \n
  1. Zero-Balance (Traditional) Budget<\/a><\/li>\n\n\n\n
  2. 50\/30\/20 Budget<\/a><\/li>\n\n\n\n
  3. The Envelope Budget<\/a><\/li>\n\n\n\n
  4. The Anti-Budget<\/a><\/li>\n<\/ol>\n\n\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

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