Emerging from the darkness of financial illiteracy or apathy can be frightening. Gurus are everywhere throwing around buzzwords you don’t understand in an effort to take your hard earned money. Which is the exact opposite of what someone looking to improve their financial standing needs. I have created a free budget template that is perfect for anyone looking to gain a handle on their personal finances, and because it’s free, this budget template is the perfect way to start budgeting.
Simply put, budgeting is keeping track of how much money is coming in, how much money is going out, and what you do with the money that is left over. I have numerous posts on how to create a budget. Combine those with this free budgeting template, and you have a powerful tool at your fingertips.
This Free Budget Template Will Kickstart Your Financial Future
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This free budget template is simple in the best way.
It is a one page template which makes it easy to navigate and find the line items you really care about. No hopping around from sheet to sheet to compare numbers. This free budget template is streamlined. It has all the line items real people use and leaves the complicated mess to the accountants.
Sticking to your budget can be hard at first. It can also be discouraging when you come in over on a consistent basis. That’s why I recommend keeping a loose budget at first and refining it as time goes by and you improve at hitting your numbers. And trust me, once it happens, you’ll become addicted to sticking to your budget. Nothing feels better than coming in under budget, except coming in under budget EVERY. SINGLE. MONTH.
This free budget template is flexible.
This template has the room for expansion. Say after a few month you realize you need a line item devoted to a hobby you have instead of lumping it into entertainment, or you add a new side hustle because all this budgeting has made you realize you need all the money every created in the world. With this free budget template, you do not need to start from scratch, simply add those item lines and boom! You’re doing it, doing it, and doing it well.
Did I mention that this free budget template is free?
The last thing anyone needs when they first start wrangling their finances is to spend even more money so they can “better” manage their finances. Sure, there will come a time when you want to become super duper serious about your finances, and forking over your hard earned dollars for workbooks and financial courses will make sense, but that time is not now. Start off with my free budget template and once you feel the urge to drop some bones on your finance game then go for the premium items. Honestly though, you could use my free budget template for the rest of your life and not miss a beat 🙂