Household Budget Worksheet
For Personal Financial Planning

Do you agonize on how to make a Household budget worksheet?
I have a few home finance templates for you that I think are great, even better, they're free for the download!

Are you always worrying about money? Sometimes not being aware of exactly how much you have to spend creates anxiety. That’s why it’s a good idea to make track your expenses. Itemize them and you can see the big picture. Maybe you’re better off than you thought or maybe you’re not. But it’s always better to know than hide your head in the sand.

Budgets are very helpful if you fill them in accurately. The more detailed the better. You’ll have a better understanding of where your money is going.

Track your spending. Make categories. Make categories within categories.

Try to be organized. For the first month put all your bills in envelopes and mark them and put them in the appropriate category.

For example:  Food is under groceries, but if you’re having a party, these food items should be under entertainment and not groceries.

Other kinds of “food” would be restaurants, take out, coffee and snacks, etc be honest with yourself. Put each in its own category and you will have an idea of how much you’re spending. It might be a shock.

Try not to underestimate your actual expenses.  Here are some free down loads of household budget worksheets

Spreadsheet #1 



Track where you spend your money. It’s too easy to rack up consumer debt in today’s cashless world (checks, debit, credit).

Recover hidden spending, eliminate debt and live a stress free financial life. I did it. You can also try Mvelopes an online system of money management that helps you eliminate debt and save more money. You can try it, it’s free.

Untitled Document

Monthly Budget Worksheet for ____________________
Free Personal Finance Worksheet (1 of 3)

To calculate your monthly budget, print this worksheet and write down how much you currently spend each month per budget category below. Finally, add up all of your budgeted expenses and compare this total to your net monthly income.
Allowances: You  
Allowances: Spouse  
Auto: Gas & Oil  
Auto: Registration  
Debt/Payment To: Credit Card #1  
Debt/Payment To: Credit Card #2  
Debt/Payment To: Credit Card #3  
Debts: Car Payment #1  
Debts: Car Payment #2  
Debts: Mortgage  
Entertainment: Cable & Internet  
Entertainment: Movies & Events  
Financial Plan: College Fund  
Financial Plan: IRA  
Financial Plan: Investments  
Food: Dining Out  
Food: Groceries  
Health: Co-pay & Supplies  
Insurance: Auto  
Insurance: Health  
Insurance: Housing  
Insurance: Life  
Taxes: Property Taxes  
Utilities: Electricity  
Utilities: Gas  
Utilities: Mobile Phone  
Utilities: Phone  
Utilities: Water/Sewer/Trash  
Other Expense #1  
Other Expense #2  
Other Expense #3  
Other Expense #4  
Other Expense #5  
Total Monthly Expenses  
Monthly Net Income  
Minus Expenses (from above)  
Available Income  

There is an automated way to do this! Mvelopes Personal will walk you through this simple process online and help you create a working budget in just a few minutes. Mvelopes will allow you to create as many budget categories (envelopes) as you need and will help you track every aspect of your finances automatically! No more paperwork or manual data entry. Get a FREE 30 day trial of Mvelopes Personal today by clicking here or visiting


Have You Had Success With a Budgeting System?

Share with us your experiences. Which budgeting system helped you the most? Did you lower your debt? Have you tried the Mvelope system? Was it helpful? A waste of time? Let us know.

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