Free Personal Budget Worksheet

Before you let it go, budget your cash.
Free Personal Budget Worksheet,Before you let it go, budget your cash.
Before you let it go, budget your cash.

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Link to the worksheet:https://docs.google.com/spreadsheets/d/1rYzJfPNA-eWZUcCXZtuFSobS6rx3CLz-ebnDwKg5UyM/pubhtml?gid=0&single=true


A few post ago in Budget 101 Money Inventory post, I detailed how to track your spending.

Once you’ve established your wants vs. needs you can find out how to control your money in the long term but that’s only the first step.

Your next step, make a budget so you can track your expenses and income from month to month. Tracking your finances allows you to see just how effectively you are at controlling your financial resources. If you were not able to visit the earlier blog post, please visit emmittmuckles.com and look for Budget 101 money inventory, where I’ve detailed separating your money into columns easily identify where your money is allocated.

In this post, our goal is to show you how you can make your own personal budget for your financial literacy needs, using a simple, but effective product provided by Google. Google provides a set of document apps in the form of Google Docs, Google Sheets, Google slides, and Google forms. The only limitation is the need for access to the internet and a computer. These items can also be created with a tablet or smartphone, with slightly different input functionality.  With Google Docs, you can work with various document Apps instead of having Microsoft Office, Microsoft Word or Microsoft Excel.

I have also made a video for YouTube showing you just how I use the very steps to make my own spreadsheet for my financial budget or my personal budget Youtube.

Youtube instruction video: https://youtu.be/-qImbY3EiwE

Google provides a program equal to Microsoft Excel named “Sheets”. With google sheets, you can now create spreadsheets without spending the money for software. To use Google sheets all one requires is access to a computer connected to the internet.

You may be wondering why it is so important to have a written physical budget you can have access. Having a comprehensive budget lets you know month to month how you were doing. Additionally, your new worksheet also keeps track of where you can actually pull out extra money from things that you don’t necessarily need or use day today. One of the major items we spend money towards is on subscriptions. Each of us has some subscriptions we often forget about, leaving money on the table we can use for our more fruitful personal financial endeavors.

personal budget Calculating your expense outcome. picture
personal budget Calculating your expense outcome.

You Need a Budget.

I used to think I budgeted very well until I actually wrote a budget. Only after making an actual budget did I start to see money was going out to places which I had no clue. Funds were automatically coming from my debit or credit cards periodically.  I was wondering why I was always broke and never had quite enough money. The reason for my lack of funds, pre-budget, was because I was basically leaking money. Until I got myself a working physical budget that I could see every week, my finances slowly healed.

Budgeting became a fun a game I could play to see how much money could actually save over the course of 3, 6, 9, or 12 months. Frequently it got down to week-to-week, to see where I can find little pieces of money that I could store way in my bank account, practicing buying on needs versus wants.

Honestly, if you think about it, every successful business has a budget. Our government has a budget, schools have a budget, businesses have budgets, everyone has a budget. Personal budgets seem to be a very lacking across America. This may be the very specific reason why when most people win the lottery or they come into a bunch of money at one time. Most of th individuals don’t know what to do with money, eventually losing every penny. They simply don’t have a clue as to what personal budgeting is about. They end up losing all the money that they have in the end.

Having a functional personal is living 101.

Go live the Billionaire Lifestyle.

 

 

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