budget

income
David Weliver: David Weliver:Include all income you receive on a monthly basis including your paychecks, second jobs, business income, or interest.a simple budgeting spreadsheet.feel free to change and add categories as you wish!wages & tips$2,000.00This worksheet is a free and easy budget spreadsheet to help you track where your money is going. Please send feedback to david@moneyunder30.com.

You are free to use and distribute this budgeting tool as you wish. You may even modify the sheet to meet your needs. I only ask that if you do modify this worksheet, you do not distribute any modified versions. Thank you, and enjoy!second job$250.00interest$15.00misc.0.0

total$2,265.00http://www.moneyunder30.com

fixed expenses
David Weliver: David Weliver:These expenses are the exact same amount month after month.debt
David Weliver: David Weliver:Include any debts here except your primary mortgage (e.g., car loans, credit cards, student loans, etc.).rent$500.00feel free to change and add categories as you wish!student loan$75.00cell phone$60.00car payment$175.00car inusrance$55.00visa$35.00gym$15.00amex0.0

total$285.00

savings
David Weliver: David Weliver:Set your savings goals! Ideally, you will "pay yourself first" and take this money out of your paycheck every period before you spend on anything else.total$630.00feel free to change and add categories as you wish!emergency fund$100.00retirement$50.00variable expenses
David Weliver: David Weliver:These expenses come up every month, but in different amount. (Example: You buy groceries every month, but you may spend $150 on them in June and $180 on them in July).other savings0.0groceries$200.00electricity$35.00gas$75.00total$150.00parking$20.00dining out$100.00your bottom linecharity$50.00income$2,265.00misc.$30.00expenses$1,735.00remaining$530.00

savings and debttotal$510.00savings ratio7%debt-to-income ratio13%occasional expenses
David Weliver: David Weliver:Here you want to estimated how much you're going to want to set aside each month for things that don't come up every month. car repairs$50.00medical $25.00how are you doing?gifts$25.00Overall: Nice job! You have a plan to spend less than you're bringing in. Consider using your extra money to pay down debt or build up savings.travel$60.00

total$160.00Saving: A good starting savings goal is 10% of your income. As you get better at saving, shoot for 25%!

Debt: Your debt-to-income ratio is in an accetable range, but it's still a little high. Try to pay down your non-mortgage debt so that monthly payments account for less than 10% of your income.

jana simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. januarygrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

feba simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. februarygrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

mara simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. marchgrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

apra simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. aprilgrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

maya simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. maygrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

juna simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. junegrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

jula simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. julygrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

auga simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. augustgrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

sepa simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. septembergrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

octa simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. octobergrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

nova simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. novembergrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00

deca simple budgeting spreadsheet.starting balancehttp://www.moneyunder30.comyour variable expense budget $510.00
David Weliver: David Weliver:This optional feature can help you track how much money you have left to spend on variable expenses. Perfect if you use cash or a designated checking account or credit card just for variable expenses. decembergrocerieselectricitygasparkingdining outcharitymisc.totalincome
David Weliver: David Weliver:Enter income or other deposits to your bank account here.remaining1$510.002 $510.003 $510.004 $510.005 $510.006 $510.007 $510.008 $510.009 $510.0010 $510.0011 $510.0012 $510.0013 $510.0014 $510.0015 $510.0016 $510.0017 $510.0018 $510.0019 $510.0020 $510.0021 $510.0022 $510.0023 $510.0024 $510.0025 $510.0026 $510.0027 $510.0028 $510.0029 $510.0030 $510.0031 $510.00spentbudget
David Weliver: David Weliver:These values are imported from your pre-set budget, but you can change the values in each month if you wish.$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00left to spend$200.00$35.00$75.00$20.00$100.00$50.00$30.00$0.00$0.00$0.00$510.00grocerieselectricitygasparkingdining outcharitymisc.fixed expensesdebtoccasional expensessavingsrent$500.00student loan$75.00car repairs$50.00emergency fund$100.00cell phone$60.00car payment$175.00medical $25.00retirement$50.00car inusrance$55.00visa$35.00gifts$25.00other savings gym$15.00amex travel$60.00 total$630.00total$285.00total$160.00total$150.00budget$630.00budget$285.00budget$160.00budget$150.00difference$0.00difference$0.00difference$0.00difference$0.00