Your budget plan is going to evolve as you journey down the path of financial enlightenment. Don’t get bogged down in this as you’re getting set up the first time-guessing is just fine. Step One: How Much Do You Need?įirst, you need to come up with an estimate of how much each of those expenses will cost. Here’s an example of YNAB’s fully customizable budget template. Once you’ve listed your different category groups and the categories that fall under each one, create two additional columns: label one column “Assigned” and the other “Available.” The rest of this process will be easier to set up and maintain on a budget spreadsheet, or even easier, in YNAB. Potential expenses to include as categories when you create a budget template. It can be a budget app (ahem, YNAB), Excel spreadsheet or Google Sheets, or…a brand new notebook…whatever works best for you. Then add a category at the bottom for “Stuff I forgot to budget for” because let’s be realistic, there’s always stuff like that. Choose your budgeting tool of choice. Monthly income (use your take home pay).Don’t you wish recipe bloggers would do this? (You’re more likely to succeed in a way that sticks if you forge ahead though.) What You Need to Create a Budget Templateīefore we get started, you’re going to need to make a list of the following things: Skip all of this good advice and jump straight to a Todoist checklist to create a budget template. So let’s talk about setting up a personal budget that will become a part of your normal life instead of another abandoned notebook. The point I’m trying to make is that the system is important, but implementing the actual habit into your day-to-day life is critical to long-term success, in both sock-matching and money management. We can stop buying the notebooks they’re not the missing piece. Okay, at this point, I’m talking to myself about myself. Seriously-the only reason you’re not perfectly organized/physically fit/financially independent/able to find matching socks in the morning is because you didn’t have the right system! If only you had bought a new notebook, matching sticky notes, highlighters, colored pens, patterned washi tape, and fancy paperclips for that particular project, you’d be killing it by now. The hope offered by a new process, system, plan, or notebook can be slightly intoxicating-it feels like the universe might finally be handing you that one pesky piece you’ve been missing that would complete the puzzle of Responsible Adulthood. Or maybe for the third or fourth or fifth time, but you’re serious about the “for all” part on this go around.
#Budget worksheet how to#
So, you’ve decided to sit down and figure out how to create a budget template, once and for all.
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