Free Worksheet Template Ideas
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Budgeting Worksheet Tip: Find a Budgeting Worksheet with all the Categories You Need Nothing can be more frustrating when youre working on your monthly budget than to run out of budget categories as youre grinding through numbers. Trying to decide where to put an expense can be very frustrating. When choosing your budgeting worksheets, look for some major main categories of expenses with the flexibility to add more detailed line items underneath. For example, major budgeting categories include: • Charities / Tithing • Savings • Housing • Utilities • Food • Transportation • Clothing • Medical / Health • Personal • Recreation • Debts Virtually any expense you have can be put into one of these categories. So your worksheet should have plenty of space or data entry "cells" within these major categories.
Budgeting Worksheet Tip: Goals-Based Most budgeting programs dont accommodate for your financial goals, they simply look back at the previous month to help you determine your spend for the current month. That is not good budgeting. If you have a cash flow problem, then it will just perpetuate into future months and you wont even realize its happening. Furthermore, you are not creating a plan to achieve your goals. An excellent budgeting worksheet will accommodate for your financial goals and help you determine what you can afford or what it will take to meet those goals. It will take into account your income, current debt, expenses and savings to help you generate a plan to meet your goals.
Budgeting Worksheet Tip: How to Handle Irregular Income or Expenses One of the most difficult parts of budgeting that people tell me they struggle with is how to budget for those irregular expenses such as real estate taxes or car insurance that are due twice a year. Another difficulty is for irregular income if someone is on commission or business-related income. Most of the worksheets do not handle these irregular income or expense situations very well, making the budget inaccurate and unreliable or rely on considerable self-adjustments by the user. A really good worksheet should have the ability to handle irregular incomes and expenses with ease. Our budgeting worksheet has a Paycheck Allocator that makes this process easy-to-do and painless.
Budgeting Worksheet Tip: Compare your Monthly Spend to a Standard Guideline Once you put your numbers in, how do you compare to the national average or some other standard guideline? The budgeting worksheet should give you some idea of how you compare in each of the above categories. Then you can make some decisions if youre over or under spending in some areas. The beauty of using worksheets is not only to see where your money is going but to see how you compare to a standard guideline.
Budgeting Worksheet Tip: Your Personal Cash Flow Analysis A fully functional budgeting worksheet should calculate your monthly cash flow analysis so that you can determine if you are overspending based on your income on a monthly basis. In order to determine your cash flow for the month, you will need to provide your monthly income information. A good worksheet should do all the math for you, generate a meaningful chart or two so that you can quickly see the areas in your budget that need to be improved upon. If you are over spending, you will need to adjust. If you are under spending, start saving towards your goals!
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