![]() ![]() Whether you're managing the office budget of a small business or need to track your personal expenses, using a template makes it easier to stay organized. Monitor all of your home or business expenses accurately and decide what areas of your budget can be better managed. Simplify your monthly or weekly budgeting by using a free, customizable budget template. ![]() Reaching your financial goals takes careful planning and saving-using the right tools is the first step to budgeting effectively. You can get personalized budget assistance and help with more complicated things, like negotiating with your creditors or finding out which financial assistance programs you qualify for.Create Business budgets Invoices Payroll Employee recognition Employee training Hiring and recruitment Business timesheets Brochures Business cards Contests Flyers Newsletters Open house Pamphlets Posters Sales Agendas Minutes Presentations Gantt charts Memo Pitch decks Surveys Planners and trackers Back to school College tools Graduation Papers and reports Class posters Lesson plans Student awards and certificates Teacher communication Teacher presentations Decorations Event flyers Event posters Invitations Holiday Anniversary Baby announcements Birthday Memorials Wedding Health and workout trackers Journaling Positive affirmations Calculators Kids activities Labels Letters Lists Personal budgeting Cover letters Resumes Coloring books and pages Floral and garden Menus Photo albums Scrapbooking Travel Volunteering Writing Facebook Facebook ad Facebook cover Facebook post Facebook story Instagram Instagram post Instagram story LinkedIn Pinterest Pinterest ad pin Pinterest pin TikTok Twitter Twitter header Video YouTube Designer Word Excel PowerPoint Forms Clipchamp Loop Learn & grow Seek help: The National Foundation for Credit Counseling is a reputable nonprofit organization that offers financial planning help.This doesn’t mean you deprive yourself of these things forever it just normalizes not spending as much money on them and finding cheaper alternatives. Do a no-spend challenge: Try to eliminate spending for a month (or several) on a problem area in your budget, such as clothing or entertainment.You can ask a lender for a modified payment plan or refinance your debt into more manageable payments. Negotiate with creditors: If debt payments are pushing you into the red, reach out to your creditors.But going through your bank statements to see what you really spend can help you find areas you can work on. Review your spending: It’s easy to guesstimate your spending with the calculator above.Find ways to boost your income: Whether it’s working a side hustle or a part-time job or asking for a raise at your current job, finding a way to boost the income side of the equation can have the biggest impact of all.Other: This is for all other expenses that don’t quite fit in any of the categories above.Savings and investments: Money that you regularly save for an emergency fund or vacation fund, as well as long-term goals like college, retirement, and a home.It also includes medications, glasses or contacts, and the like. Health care: This includes all the out-of-pocket costs for health insurance, dental insurance, and vision insurance, such as premiums (if they're not deducted from a paycheck), copays, coinsurance, and deductibles.This category also includes debt payments (outside of mortgages and student loans) and vacation expenses. Personal and family: Cellphone bills, entertainment-including TV streaming services like Netflix and other subscriptions like Spotify-fitness, pet expenses, household supplies, personal care (haircuts, toiletries, etc.), and clothing.Also include any student loan payments you have. for children in K-12 and adults going to college. ![]() Education: Tuition, supplies, fees, etc.Transportation: Public transportation like buses, but also car-related expenses, including your monthly loan payment, repairs, insurance, tolls, and fuel. ![]() Food: What you spend on food from the grocery store, eating out at restaurants, getting takeout, or meal delivery services.You can also account for other necessary housing-related expenses, like utility bills, homeowners or renters insurance, and maintenance bills. Housing: Your rent or mortgage payment.Income: Your total take-home income, including any money you earn from side hustles, alimony, child support, part-time jobs, etc. ![]()
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