New to budgeting?Long story short, I have been testing out budgeting apps, software, and spreadsheets for the last 13 years (I know pretty nerdy). And I struggled to find anything that worked for Linda and I until we discovered the Real Money Method. It is a simpler, easier, and more effective alternative to traditional budgeting. So if you have struggled with budgeting in the past and just want a simple solution that works, definitely check it out.
Household budgeting SpreadsheetsHere are all the personal budgeting templates listed in no particular order. If you want to see them in action you can check out this video here. Click here to download free demo, but the full-version is $15. Excel File (XLS) | Google Docs Newsletter sign up required
5Free Budget TemplateThis one is a spreadsheet and includes a PDF budgeting worksheet version as well. It was created by a CPA, so that says something right there. Download: Newsletter signup required Excel File (XLS) | Google Docs Download: Download XLS or Google Sheets
8GLBL Budget SpreadsheetSimple it is different than most because it works by pay period, rather than by month. Download: Excel File (XLS) debt-snowball method. The first page is a basic calculator for you to enter your information, choose your total monthly payment, and see a summary of the results based your debt reduction strategy. The second page is a printable payment schedule to help you keep track of your progress. Download: Excel File (XLS)
10Personal Budget WorksheetA famous old Microsoft budgeting template. It is very simple but has proven to be helpful with the 2,000,000+ downloads. I like this one because all it does is provides a sheet to add up your expenses and your income showing the difference. Download: Excel File (XLS) From Website tracking of daily expenses. Download: Excel File (XLS) | Google Docs
13. Not exactly a budgeting spreadsheetAnd since we are talking about free spreadsheets, I will tell you about one I built and use. It isn’t necessarily for budgeting, but it really helps keep our finances organized.
- FLOP (Financial Life on One Page) – Basically my balance sheet to calculate my Net Worth, keeps track of account numbers, and other information about all my financial accounts.