![]() Whether you call some of these categories "sinking funds" or "short-term savings" doesn't matter in this worksheet. Some people like to track the savings for big bills in separate accounts, sometimes even a separate sub-accounts. You can divide in Excel using a formula such as =1500/12. For a monthly budget, divide the total average yearly cost of a large bill by 12. Things like medical bills, home repairs, and car repairs can be budgeted ahead of time so that you have the money when you need it. Nobody makes it through life without unexpected big bills. This would also be a place to pull out priority savings to apply the "pay yourself first" principle. If you pay a tithe (the "pay God first" principle), then you can multiply by a percent in excel using a formula such as =10%*B9 where B9 is the Total Income. This category is for making adjustments to your gross income, such as listing the tax withholdings and other deductions from your paycheck. They are designed to help you apply the 'Pay God First' principle, the 'Pay Yourself First' principal, the 'Debt Snowball' and 'Savings Snowball' techniques, the 'Sinking Funds' idea, and the 'Envelope Budget' system. The categories in this worksheet have a very purposeful structure. Step 2: Enter Your Budget (Savings and Expenses) If your income varies a lot, you can base your budget on what you expect the minimum for the month will be. If you get paid weekly, you can base your budget on 4 weeks. If you actually get paid biweekly, you may want to base your budget on just two weeks of pay, then use your extra paycheck twice per year to do something special. ![]() Yes, just message me and we will find the best way to translate the Personal Budget Spreadsheet into your language.If you are creating a monthly budget, list all sources of income for the month. No, the spreadsheet is developed in Google Sheets and will only work correctly there.Ĭan we translate the spreadsheet into a different language? Yes, you can print any part of the templateĬan I use the Personal Budget Spreadsheet in Excel? Is the Personal Budget Spreadsheet printable? ![]() But keep in mind that it looks best on a desktop or a tablet. Install the Google Sheets app, log in to your Google Account, and open the spreadsheet there. How do I open the Personal Budge Spreadsheet on my phone? They will be able to view/edit it even without a Google account. Serhii Kovchenko, a spreadsheets expert who automated and designed dashboards and financial templates for hundreds of e-commerce and offline businesses.ĭon’t forget to check the gallery and FAQ below.ĭo you provide instructions for the Personal Budget Spreadsheet? Yes, the template has full instructions inside.ĭo I need a Google account to use the Personal Budget Sheet? ✅ The tracker can be customized to your brand guidelines.Ībout the author. ✅ Decision-making is considerably optimized with the Personal Budget Spreadsheet. – Can be used for multiple purposes by copying the spreadsheet in a few clicks – Accessible from any device (desktop, laptop, tablet, or mobile) – Possibility to add any custom income and expense categories ![]() Let me help you with the last one and show you the Personal Budget Spreadsheet. Living a modern life is all about tracking: ads, ratings, statistics, and personal finance is not an exception.
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