Home Budget Worksheet - Our original selection of home budget worksheets.Personal Budget Spreadsheet The 12-month version of the personal budget version.Personal Monthly Budget - Like the one above, but less detailed, and designed to fit on a single page.Family Budget Planner - This is the 12-month version of the household budget spreadsheet listed above.Money Management Template - Record transactions to automatically populate the budget vs.The HBS data are collected via one (or more) interviews and diaries where people register their expenses. The main purpose of HBS is to collect data on households consumption expenditure on goods and services.
If you add or remove any categories, just make sure that the formulas used for the totals don't get messed up. The Household Budget Surveys (HBS) are national surveys coordinated at EU level ex-post by Eurostat. If your Net is negative, that means you have overspent your monthly budget.Īdding or Removing categories: The household budget template contains a very detailed list of categories, which you may or may not need. In this budget, 50 of your money goes toward needs, 30 toward wants, and 20 toward savings and debt payments.
The Monthly Budget Summary table totals up all your income and expenses and calculates the Net as Income minus Expenses. Another percentage based budgeting system similar to the Dave Ramsey budget percentages, the 50/20/30 budget is a simplified budgeting method to give you a quick start guide to budgeting. If you spend more than you budgeted, the Difference between the Projected and Actual values will be negative, and if your Actual income is less than your Projected income, the Difference will be a negative number. With the 50/30/20 budget, you allocate 50 of your income toward living expenses and necessities, 30 toward wants, and 20 toward debt and savings. In this spreadsheet, the calculations are set up so that negative numbers are bad. The cells in the "Difference" column use conditional formatting to make negative numbers red. At the end of the month, you record in the "Actual" column how much you really spent during the month. This represents your goal - you're trying to keep from spending more than this amount. US households are also spending less on clothing, food, and transportation. You record your desired budget for each category in the "Budget" column. Households are spending a higher percentage of their budgets on housing, healthcare, and education than almost 30 years ago, according to the latest data from the Bureau of Labor Statistics. The purpose of this worksheet is to help you compare your monthly budget with your actual income and expenses. You may also want to read the article " How to Budget". Our article " How to Make a Budget" explains how to use these spreadsheets to create your budget. You'll want to replace the values in the Home Expenses category with your own. To use this template, fill in the cells highlighted with a light-blue background (the "Budget" and "Actual" columns). 42 Effective Ways to Save Money Budgeting Tips for the New Year Using the Household Budget Worksheet