![]() Don’t forget supplemental sources of income like child support or alimony. How much money do you have coming in? If you have a stable salary, you can make a more rigid budget.Īlternatively, if your take-home pay fluctuates or you get paid in tips, you’ll need a budget worksheet that’s more adaptable. Or maybe you’d like to be able to see your entire year in one sheet. Do you have a stable income, and you’re just trying to get your personal finances organized? You might like the 50/30/20 method. Is your primary goal to pay off debt? Then you might like a zero-based budget. Figure out how you walk through these basic budgeting steps to know what you want from one. How you prefer to budget is going to affect what you want in a spreadsheet. But we’ve found that before you can recognize your soul spreadsheet, you’ve got to know your budget self. Monthly budget spreadsheets can work for any spending style or budgeting method. They’re far more customizable than apps and - if you don’t mind keeping your info on the cloud - you can still bring them with you via Google Drive or Microsoft Office apps. Budget spreadsheets allow you to keep your banking and spending information offline. What we found instead was a love for Excel budget spreadsheets that ran deep. It’s 2019, so we were expecting to hear about budgeting apps like Mint and EveryDollar. In a recent focus group here at The Penny Hoarder, we asked people how they like to budget.
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