Budgeting is a great habit to pick up during your Beyond Finance program because it can help you to:
- Start building savings
- Ensure you can afford your deposits and other expenses
- See where you might be overspending
Use this budgeting worksheet to help set you up for success now and in the future.
How To Use the Worksheet
The spreadsheet is thorough because we want you to account for your spending in as much detail as possible. While this approach will take some initial time and attention, it’s key to your budgeting efforts!
We’ve created a digital customizable budgeting spreadsheet to help you stay on top of your finances (Prefer writing things out? See below for the printable version).
Use the spreadsheet to record your monthly expenses and ensure that you’re budgeting for deposits and still have funds set aside for your other financial responsibilities.
We’ve tried to anticipate any expenses you may have, but to make the budget your own, feel free to edit your spreadsheet!
Downloading & Printing Instructions
Follow these instructions along with the image guides to get started!
Save your own copy of this sheet by clicking File > Make a Copy.
Want to fill it in by hand? Check out the printable version!
To print click Download > PDF and open the PDF and save to your computer to print later.
Or you can select Print > and follow the instructions on your computer to print right away.
Frequency of Budgeting
Everyone has different spending and budgeting needs. If your spending is fairly consistent and you regularly have money left over, you may not need to update your budget monthly. Instead, you can check in once a quarter and make adjustments to your savings goals or put extra funds toward speeding up your debt resolution program.
If you are regularly overspending or falling short, it makes sense to update your budget monthly. You’ll want to budget carefully every month until you are consistently meeting your goals.
Extra Benefits of Starting to Budget Now
Budgeting can help you save and afford your expenses, yes, but it can also have an empowering effect.
Our clients have expressed to us that starting to budget has made them feel less afraid of their finances, because they feel back in control! They know where their money’s going, and they can see the positive changes of this good habit directly reflected in their bank accounts.
You are already taking positive steps towards a better financial future. Budgeting is just one more powerful step along the way.