Worksheets for Budgeting Your Finances

Get a Handle on Spending, Savings, Debt

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If you feel like you are spending more than you make or that it is controlling you rather than the other way around, maybe you need a frugal makeover. It can be hard to decide exactly where and how to start.  If you've decided it's time to reduce your spending, increase your savings, eliminate debt and make the most of your money, you can put these plans and worksheets to work for you.

Personal Finance Worksheets

Knowing exactly where your personal finances stand is the first step to making changes.

These worksheets can help you get there.

  • How to Create a Frugal Budget: This worksheet takes you through nine steps to create a personal budget. You will note your earnings, recurring expenses, savings, and debt reduction goals.
  • Financial Goals Worksheet: How much money do you need to make a major purchase or reach a savings or investment goal? Use these steps and worksheets to set goals by date and amount and determine how much you must save each week.
  • Calculate Your Net Worth: Think of your net worth as taking the temperature on your current financial health. It can also help you plan for the future. Use these steps to list your assets and liabilities and find the bottom line.
  • Can You Make It On One Income? Do you need a second job or can one of you be a stay-at-home parent? Use these steps to help make the decision.
  • Calculate Your Debt Load: Use these steps to capture how much you owe. Include the balance, interest rate, minimum payment, and due date for each loan or credit card.

    Spending Worksheets

    Understanding what you spend money on is a critical part of living within your means. Use these tools to help track your expenses.

    • Monthly Spending Worksheet: What bills do you expect each month? Use these steps to capture them all.
    • Annual Spending Worksheet: You have to be sure you account for spending that you only do once or twice a year. Don't watch your budget shredded by bills you can anticipate. Use these steps to be sure you won't get blindsided.

    Grocery and Meal-Planning Worksheets

    When you want to spend less, cooking at home is an easy way to save money as well as to eat better. Use these tools to plan meals and use what you buy. You will be able to shop wisely, take advantage of sales, and buy in bulk when it makes sense.

    • Grocery Stockpile List: Buying non-perishable items when they are on sale can lead to long-term savings. Use this list to stock your pantry when it's smart to buy in bulk.
    • Freezer Inventory List: Keep track of what you have in the freezer so you can use it before it is too late. This list lets you itemize prepared meals, fruits and vegetables, meat and seafood, snacks, and miscellaneous items.
    • Grocery Price Book: Start tracking what you buy so you will know the price to expect and whether a sale price is a good value, as well as when you will need to buy it again.