![]() If you have something coming up that you know you’ll need to spend some money on, you could choose to put it on your calendar also. ![]() Household Budget Template If you’re new to budgeting, you might want a no-frills budget template. It allows you to plan your household’s spending every month, from the ground up. This Excel budget spreadsheet that lets you enter your bills in a calendar style view and then auto-magically totals your monthly spend. ![]() You aren’t limited to only recording your recurring expenses. This template is designed to work with the zero based budget system. A budget spreadsheet template will help you monitor your expenses with accuracy. Whether to build up an emergency fund or invest in your IRA, mark this on the earlier part of your calendar so you have time to actually do it. If you have a general routine for common expenses, such as buying gas or groceries once every week, you can add them to your calendar as well. List these with the estimated spend, since you won’t know the exact amount.ĭO THIS: Seriously, DO THIS: Include savings as a part of your recurring bills. ![]() ![]() TIP: Prefer to work your budgets by month instead of year? To make sure you don’t forget about these once-in-a-while bills, make a list of them on a post-it so you can transfer the sticky over easily each month. ![]()
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