3/29/2024 0 Comments Excel budget planner template free![]() We also provide helpful financial wellness content and free tools to build your credit. We make it simpler to borrow the money you need with clear pricing and flexible repayment options. We’ve gathered a list of our favorite templates because RISE is all about helping you on your financial journey. ![]() These let you utilize technology to track your finances for free while keeping your banking information private. Another option is to use one of a wide array of customizable, downloadable Google Sheets budget templates available online. However, not everyone likes the idea of sharing their private banking information which is required to drive these applications. Many people like the ease of online money management tools, apps, and websites that connect directly to your bank account. Perhaps a Thursday night, grab a wine, get the kids to bed and sit down together and go through everything and fill it out in the sheet.Whether you’re building a budget for the first time or you’re a seasoned saver, technology can make the process a lot easier. I suggest scheduling in around 30 minutes to an hour each month. Rename to have the month and save somewhere you can find it! If you want to save the document as an Excel Spreadsheet, you can “Download As” and use the same way. Make sure you create a copy and save it to your own computer before using the spreadsheet. ![]() This will give you exactly what you should have spent/saved and also works as a template for the following month to amend any incorrect costs. Once you have filled out all the relevant fields, go back at the end of the month and fill in your actual costs.If you’re getting an error, check the rows and columns all have this input. Every field needs to have a dollar value, even if it’s $0, to work.If one of these is blank, you still need to enter $0 for the formulas to work. Enter in your incomes first and get your income total.The formulas will still work but you may lose some formatting. If you want it as an Excel document, you can choose to “Download As” and select “Excel Document” (outlined below).If your super savvy then create new tabs on the same sheet each month and duplicate it to a new tab each month. From there you can rename the file, I suggest noting the month and keeping it monthly. Once you’ve opened the file, you need to go to “File” and “Make A Copy”.I’ve created it in Google Sheets as I know not everyone has Excel but you can convert it to an Excel Spreadsheet if you would like. Here is a quick guide on how to use the spreadsheet. So let’s get this bad boy downloaded and start saving that money!! How to download and use your spreadsheet? If you are spending more than you earn, well then to put it simply, you’re kind of fucked, right? If you want to save, or at least get yourself out of debt you need to be spending less than you make, it’s simple, right? At least by working out your budget on this sheet, you can see exactly what you’re making, spending and potentially where you can reduce your spend.This is a huge motivator to save that or more each month! Once you’ve filled out all the details, keep it updated every month and work out accurately what is being spent! Work out what you could potentially be saving by subtracting your spend from your income (the spreadsheet does this automatically for you) and take note that this is what you could be saving.Are there payments coming out you knew nothing about or perhaps thought you cancelled? Deal with this ASAP!! Spending $100’s on lunches? Maybe put a plan in place to reduce this? Sit down, with your partner if you have one, and have a look at what you’re really spending each month.Almost everything you should be able to get access to online and have your statements or reference to current payments and rates so you can fill this into your budget. Things like Centrelink, superannuation, electricity, gas, water, phone, internet or even your Netflix account or insurances. If you don’t already have access to your accounts online, then set this up. ![]() Make things as easy as possible on yourself when gathering all your information.From there I would create an average spend on things like utilities to pop into your budget. From both accounts and credit cards if you have them. ![]()
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