![]() ![]() Google Sheets offers another budgeting method. If you have the Microsoft Office suite, you can access these Excel templates for free. There are even specialty templates, such as a personal monthly budget, a college budget, a home construction budget, and an event planning budget. These free budget templates are an easy way to get an overview of your cash flow (monthly expenses versus monthly income). Microsoft Excel isn’t all about complex formulas. The aim is to use tools that allow you to devote fewer hours to your money management. When it comes to budget templates, it’s best to keep them simple, and there are many user-friendly tools available to save you time and stress. Does this mean you’re going to have to master complex financial formulas? Not at all. The thought of creating a budget spreadsheet can be intimidating. 3 Budget Spreadsheet Templates to Get You Started The entire point of these tools is to simplify money management so you can think about your money less, not more. You can then use a budgeting app to help you stick to it, for example, by automating your expense tracking. Straightforward spreadsheets can help you create your conscious spending plan. Finally, you need to stick to your plan.īudgeting spreadsheets and tools can help at every step. You then need to decide how much money to allocate to each bucket. You need to start with a bullet-proof budget, categorizing all of your expenses into one of those four buckets: fixed costs, investments, savings, and guilt-free spending. Conscious spending is a great way to enjoy life while still building a financially secure future. ![]()
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