Free Budgeting Worksheets

Successful Budgeting for Those Who Hate to Budget
by Michelle Jones, founder of 

This column includes our printer friendly budget worksheets and much more to help you plan a successful budget and get out of debt. If you try one budget system and it doesn't quite work for you, try another one. Or, create your own with our help! 

Before we get to our free budgeting worksheets, don't forget that our Web site and free monthly Ezine, Living a Better Life®, are overflowing with great money-saving tips (on hundreds of various topics!) so be sure to sign up for your free membership if you haven't already.

There are many great budgeting and financial planning tools on the market today, in fact, we have several budget planners that we have personally reviewed and do highly recommend. These budget planning programs can be extremely useful and will help you stay on track year after year, but the most important thing is that you find something that works well for you and your family. 

If money is very tight and this is your first time starting a household budget you may be looking for something a little more simple, and maybe even more importantly, free. I understand; our family has been there too.  

We are NOT just about family budgeting and finances; we feature thousands of tips to help you save money and stretch your dollars... on everything from groceries to family fun and how to live a better life, not by spending more money, but less!  

Budgeting Worksheet

Please feel free to use our printer-friendly Basic Budgeting Worksheet (link below) to help you keep track of your monthly expenses and manage your income.  I hope you will find this worksheet helpful when planning your household budget, you may even want to print out several copies and share them with your friends and family, or anyone that needs budgeting assistance.  (Please tell them about and invite them to join us!)

Debt Worksheet

I've also added a Dealing with Debt Worksheet for listing creditors and debts, a Monthly Spending Worksheet for keeping track of your extra expenses each month, and an Annual Budget Worksheet to help you budget for your annual expenses such as taxes, insurance, warranties, school tuition, etc... so that you can afford to pay them as they come due!  You will find all the worksheets listed below.

More Worksheets

In addition to the Budgeting and Debt worksheets as I've mentioned above, I've also included several more free worksheets that will help with your household budgeting throughout the year.  I've included my Monthly Spending Worksheet and Annual Budget Worksheet.  And for the holidays, my Holiday Gift List Worksheet and Holiday Spending Worksheet.  I hope you will find these printable worksheets helpful, I worked very hard creating them for you! :o)

Free Ebook

When you sign up for our free ezine and become a member of Better Budgeting you will also receive a free copy of my ebook Dealing with Debt!  This ebook will help you learn more about how to pay off your debts quickly and handle creditors on your own, without using third party companies to assist you.

Also, here are just a few helpful guidelines to help you get started with your household budget.  

Better Budgeting Class

If you'd like to learn more about how create your own successful budget system without the aid of expensive budget planners and software programs please consider joining in on our next session of The Better Budgeting Class.  I've been teaching my 5-week class since 2005 and always receive the most wonderful feedback with each session.  It's been such a joy watching our readers get back on track, year after year!   

Figuring Your Income

If you're paid...


Weekly: Figure 4 paychecks per month. (Use the extra 4 paychecks each year for savings, taxes, Christmas gifts, etc.)


Bi-weekly: Figure 2 paychecks per month. (Same as above, only you'll have 2 larger extra paychecks each year instead of 4 smaller ones.)


Monthly: Figure the entire monthly amount. (You'll have to be more diligent to set aside a portion of your income for annual expenses and savings each month - because there will be no extra paychecks throughout the year.) 


Fluctuating Income/ Commission: To estimate your monthly income, total your income for the last 12 months and divide that figure by 12.  (You will also need to be more diligent in saving whenever you have a surplus, for the leaner months.)

Total = Surplus

After filling out the Basic Budgeting Worksheet with your monthly income and expenses, you will either have a surplus (money leftover) or a shortage.  A portion of your surplus should be budgeted for savings and yearly expenditures (use our Annual Budget Worksheet for assistance).  

Total = Shortage

If your budget reveals a shortage then you need to either lower your expenses or increase your income, or maybe even both.  If that is not possible at this time, work towards the goal of having at least a small monthly surplus as soon as possible, even if it's just $10.

Read my previous column 15 Ways to Create More Cash 

Then, continue to work diligently on your household budget throughout the coming months to increase that amount... 

I know you can do it!!!

And we have many more budgeting and money-saving tips to share with you each month. If you haven't already, join us today!

Copyright © by Michelle Jones. All rights reserved.


FREE Printable Budget Worksheets from!

Basic Budgeting Worksheet

Dealing with Debt Worksheet 

Monthly Spending Worksheet

Annual Budget Worksheet

Excel Worksheets

Checkbook Register - Excel

Holiday Budgeting

Holiday Gift List Worksheet

Holiday Spending Worksheet

Meal Planning

Frugal Recipe Index and Menu Planners



You will also find more free budget building tips and advice in our Article Index

Tell a friend about us!

Want more money-saving tips?  Get your Free Subscription to our monthly Ezine, Living a Better Life®!




Thank You for Visiting With Us Today. Tell Your Friends About Us!

Copyright © 2001-2015 All Rights Reserved.

Living a Better Life® is a registered trademark of and it's parent company, Blue Ridge Publishing, Inc.

Site Map | About | Privacy | Contact | Writer Guidelines | Subscriptions

Reader Feedback | Facebook | Twitter | Pinterest | LinkedIn | Google+