Free Printable Budget Worksheets

Family Budget Worksheet

Home
Debt Management Companies
Student Money Guide
Debt Settlement
IVA UK
Apply For IVA
How To Go Bankrupt
Government Debt Solution
How To Negotiate Debt
Borrow Money/Loans
Home Budgeting Software
Free Budget Worksheets
Online Gambling Debts
National Debt Helpline
Direct Payday Lenders
Articles








To Advertise On This Site Please Contact Us



Debt Negotiation Guide:

Stage One
Contact Creditors

Stage Two
Prioritise Creditors

Stage Three
Financial Statement

Stage Four
Make Offers




UK Debt Help: Get Debt Help with 123 Debt Solutions







Popular Pages:

Debt Management:

How Do I Consolidate My Debts

Debt Consolidators

Debt Management Firms

Debt Management Counselling

Free Debt Management Plan

Debt Management Programme

Debt Management Helpline

Debt Management Schemes

Consumer Debt Management

Online Debt Management

How Can Debt Management Help You?

Bankruptcy:

How To File Bankruptcy

Bankruptcy Rules

Bankruptcy Questions

IVAs And Trust Deeds:

IVA Debts

Individual Voluntary Arrangement Bankruptcy

IVA Or Bankruptcy

Get IVA

Information On IVA

Individual Voluntary Arrangement UK

IVA Debt Solutions

Debt Advice IVA

IVA Debt Solution

IVA Credit

IVA Insolvency

IVA Remortgage

What Is IVA

Scottish Trust Deeds

Trust Deeds Scotland

General Debt Advice:

Self Help Debt

Write Off Debt

Debt Written Off

Sample Settlement Of Debt Letter

Free Sample Letters To Creditors

Bailiffs And Council Tax

County Court Claims

Debt Limitations

Mortgage Shortfalls

Money Saving Techniques

Christian Debt Solutions

Government Debt Advice

Government Debt Management

Unclaimed Money For Free

Scottish Debt Advice

Debt Specialists

Clear My Debt

Free Printable Budget Worksheets

Personal Financial Statement

Doorstep Loans

Do It Yourself Debt Negotiation

123 Debt Solutions Reviews

Approved Debt Solution

Payday Loans

3 Month Payday Loans

Compare Payday Loans

Instant Payday Loans UK

Online Payday Advances

Payday Loans Lenders

Payday Loans No Credit Checks

Payday Loans With Bad Credit

UK Payday Loans

Urgent Payday Loans

Help To Consolidate Payday Loans

Private Bad Credit Lenders

 




Get Your Free Printable Budget Worksheets
Download A Family Budget Worksheet

Struggling With Debt?
Apply For Debt Help Now By Completing The Online Form At The Bottom Of This Page (UK Only)

Other Pages Of Interest:

Find Recommended Debt Management Companies
Read Reviews Of Home Budgeting Software
Get Free Tips On Budgeting
Discover Useful Money Saving Techniques

This site is mainly about helping people out of debt, not by suggesting expensive loans that could make things worse, but by providing free practical advice on how people can tackle their financial problems themselves. No get out of debt guide would be complete without looking at budgeting. Even if you set up a debt management plan or manage to negotiate new deals with all your creditors, you are still going to have to manage your finances differently to be able to keep up with payments and avoid getting into another debt crisis in the future. This is where learning to budget comes into its own.

Download The Free Budget Worksheet

free budget worksheet

This page is dedicated to my FREE Family Budget Worksheet. I have prepared two versions - one for UK residents and one for US residents. The currency is not crucial - you can either ignore it if you live somewhere else, or it can be easily changed if you know a little about Excel spreadsheets.

You can download the one in pounds sterling HERE, and the one in US dollars HERE. They are both simple spreadsheets that you can download and use if you have Microsoft Excel on your PC.

If you don't have Excel, then you can view it as a web page, or download it in pdf format here, print if off and complete it by hand. You will need Adobe Reader to open the pdf document, and you can download Reader free here if you do not already have it. Using the form in Excel is better because it will automatically calculate the figures you need.

When you have downloaded the Free Printable Budget Worksheet and are ready to complete your budget, please read the following guidelines to help you. The form is intended for use anywhere, but primarily for the UK and US. You may find a few things that may not be relevant or sound familiar for where you live but the principles are exactly the same. Just ignore anything that does not apply and feel free to change the names if it helps you.

Free Printable Budget Worksheets - Guidelines For Use

You will see that the form has blocks highlighted in colour. These are the only areas that you need to complete initially. The other boxes will complete themselves automatically. Take care not to enter data into any of the programmed boxes (ie the non-highlighted ones) or you will lose the automatic calculation function.

The budget form is set up for you to enter all figures as annual amounts. As everyone's expenditure includes a mixture of weekly, monthly, quarterly, annual and occasional payments, there is no single way that will be easy for everything. Rather than enter lots of columns and risk making the Family Budget Worksheet confusing, I have opted to keep it as simple as possible.

Whatever way you do it will involve a certain amount of calculation, but I have chosen to enter annual figures to reduce the likelihood of any less frequent payments being forgotten. If you have payments or outgoings which are monthly, simply multiply by twelve to get your annual figure. If they are weekly, multiply by fifty two. Once you have entered all your annual expenditure, the free printable budget worksheet will calculate what that equates to on a monthly basis.

Free Printable Budget Worksheets Guide - Income

Salaries and wages ought to be fairly straightforward, unless you are self employed and your income varies from month to month. Wherever possible base your figures on what you have actually received over the last year. If your income varies, it is particularly important to make sure you take an average over a longer period.

If you are due to pay tax on any of the incomes you list, make sure you deduct an amount for tax before you enter the figures, as tax is not included as a separate expenditure.

Budget Worksheets Guide - Expenditure

A general rule when it comes to entering expenditure figures is to be honest with yourself and err on the side of caution. Do not risk putting in an optimistically low figure for any expenditure. It is much better to find you have some money spare at the end of the process than find that you had less than you thought. You must be honest about the figures you put in, and never be tempted to enter what you think you ought to spend or what you plan to spend in an ideal world. Reality is what matters, so put in what you have actually been spending.

Take care when you are putting in credit card expenditure. Obviously the purchases you make on a credit card are going to be covered elsewhere on the list, so the credit card section is really for credit card debt. If you pay cards off in full each month, you probably do not need to put anything in this section, but if you have debt that you repay gradually each month, then that needs to go on there. Just take care that you are not counting anything twice in both the credit card section and elsewhere.

Think carefully about holiday expenditure. The total you spend should be relatively easy to identify, but think about what regular expenditure you might save on while you are away. Your normal household food, petrol or heating bills may all be reduced while you are on holiday, so you may be saving some money as well as spending some. Consider it carefully and deduct an amount from your holiday cost if appropriate.

When you have completed all the highlighted areas, go through it all again from the top and make sure you have entered everything correctly. Spreadheets such as these free printable budget worksheets do not know when you have made a mistake and adding an extra 0 here and there can give you a very unreliable result.

The Results

When you have completed you Family Budget Worksheet, look at the all-important 'Total Surplus/Deficit' row at the bottom. This tells you if your spending is within your means, or if you have spending more than you have. An amount without a negative sign in front is great news! A figure with a negative sign, however, shows the amount by which you are currently overspending.

So now you have more idea about the exact state of your finances, you will know whether you can stop worrying of whether you need to take some action. If you have a negative figure showing, you need to take this budgeting business a stage further.

The column in the right of your Household Budget Form is for you to insert a monthly budget amount. You can see from the middle column exactly what you are spending each month now, so you need to put some figures in the budget column that will result in your total expenditure being the same or less than your income.

The free printable budget worksheet will still calculate the totals for you, so you need to play around until you have figures in there which result in the 'Total Surplus/Deficit' figure being either zero or a positive number.

Family Budget Worksheet - The Next Step

The all-important tricky part is then for you to keep a close track on your spending and making sure you do not go over budget in any area. This is where a budgeting tool can really help to make things a lot easier. It is only really by using some sort of software package that you can quickly and easily keep tabs on where you money is going and what you need to do each day to keep on budget. It is not impossible to do this without a budgeting tool, it is just a lot more difficult and time consuming.

For information and recommendations on the best packages to go for, visit the Home Budgeting Software page.






Apply For UK Debt Help Now

Complete This Simple Online Form For A Free Review By An Advisor From Our Recommended Debt Company, 123 Debt Solutions

Just submit the form and an advisor will get straight back to you

You Can Use This Form To Apply For Debt Management Plans, Debt Consolidation Loans,
IVAs or Trust Deeds

Whatever the nature of your debt problem, it is worth checking to see which solution could work for you.

Please Only Submit If You Are A UK Resident


protected by copyscape


Your home may be repossessed if you do not keep up repayments on a mortgage, loan or any other debt secured on it. Think carefully before securing other debts against your home.