Personal Budget Worksheet: Fill & Download for Free

In a personal budget, I often see people forget the irregular items. Things like:Holiday plans (travel, entertainment, etc)BirthdaysKids' clothes (back to school)Saving for Christmas (it's in December every year)Do a monthly budget and you'll get the hang of it in about 90 days. I've written about how to make a budget that works. Maybe it could help you or someone on this site. Includes an excel budget worksheet as well.

A budget spreadsheet for personal budgeting includes various expense and income categories. It should have columns for the expenses, expected amount you hope to spend and the actual spend. On the income section, you can divide it into your income and that of your spouse. You can get a sample budget worksheet here

Tip #1: Have Financial GoalsIn order to get a grasp on where you are at financially, a good place to begin is to get a sense of where you currently are and where you are planning on going in life.What are your goals? What steps are you taking now in order to reach those goals?Stage of Life has created a free downloadable goal setting sheet that will get you to start thinking about your financial and life goals. Our free goal worksheet will ask you to explore the ideas of...Reducing your debtIncreasing your investmentsSaving more moneyPlanning for large purchases on the horizonDonating time or money in your community or through philanthropyAnd moreIn addition, our Goal Worksheet will get you thinking about different types of goals in your life, including health & wellness, education, home, community, friends & family, travel, personal and of course your long-term goals. Your first step for expanding your Financial Literacy is to clearly establish these goals!Tip #2: Follow a BudgetOn a fundamental level, your core Financial Literacy will stem from your ability to follow a budget. So the first question becomes, do you have a budget?For some people, the word "budget" conjures up images of accounting software or other complex financial tools. But this doesn't have to be the case. Essentially, a budget is a comparison of what you take in (your income) verses what you spend (your expenses).Stage of Life has created a free downloadable budget worksheet that will get you thinking about how you make and then spend your money. Filling in our free budget worksheet will get you thinking about your money in new ways such as...Do you know what you spend your money on each month?Are you paying yourself each month via putting some money into savings, investments, etc.?Are there things which you spend money on but could live without, thus increasing your ability to pay off debt or save more?FREE E-BOOK: BEST WAY TO MAKE YOUR MIND A MONEY MAGNET AND LEARN THE HIDDEN SECRET TO UNENDING CASH FLOW (YOU MUST READ IT TODAY)