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20 Free Printable Budget Templates to Help You Better Your Finances

It’s no secret that managing your finances can be difficult. But it’s important to do everything you can to get them under control, especially if you’re hoping to improve your overall financial situation. In fact, according to a study by the National Foundation for Credit Counseling, 60% of Americans don’t have a budget at all!  And that’s not good news when it comes to improving your financial situation! 

That’s why we’ve put together a collection of free printable budget templates to make the process a little bit easier. All of these templates are customizable, so you can make them work for your unique financial situation. Plus, they’re all printable, so you can take them with you wherever you go. 

So if you want to be part of the minority that does have their finances in order, using a free printable budget worksheet is a great way to start. 

How to Use a Free Printable Budget Worksheet

The best way to use a template for budgeting is to first figure out what your goals are. Do you want to save money? Pay off debt? Track your spending? Once you know your goals, you can choose a template that will help you achieve those goals.

Once you’ve selected a template, the next step is to input your income and expenses. This may seem like a lot of work, but it’s important to be as accurate as possible. After all, your budget is only as good as the information you put into it.

After you’ve inputted all of your income and expenses, the next step is to start tracking your progress. This is where the real work of budgeting comes in. You’ll need to regularly check in with your template to see how much money you’re bringing in and how much you’re spending. This will help you stay on track and reach your financial goals

Benefits of Budgeting and Using Templates

Budgeting is a critical tool for managing your finances. By creating a budget, you can get a clear picture of your income and expenses, which can help you make informed decisions about where to allocate your money. Budgeting can also help you track your progress toward financial goals and avoid overspending.

However, as anyone who has ever tried to stick to a budget knows, it can be difficult to stay on track. One way to make the process easier is to use a budget template. A budget template can help you track your income and expenses, and it can also help you create a plan for saving money. In addition, a budget template can help you keep track of your progress and make adjustments as needed. While there is no one-size-fits-all solution for creating a budget, using a budget template can be a helpful way to get started.

Can I Make My own Budgeting Template?

When it comes to budgeting, there is no one-size-fits-all solution. What works for one person may not work for another. That’s why it’s often helpful to create your own budgeting template that you can tailor to your unique needs and financial situation. If you’re not sure where to start, there are a few things you should keep in mind. 

First, think about what your income and expenses are. This will help you identify areas where you can cut back or save money. 

Next, consider what your financial goals are. Do you want to save for a down payment on a house? Or are you looking to pay off debt? Once you have a clear idea of your goals, you can begin to design a budget that will help you reach them. 

Finally, don’t be afraid to experiment. Trying different budgeting methods can help you find what works best for you. So go ahead and make your own budgeting template – it just might be the key to reaching your financial goals.

How Do I Use a Budgeting Template?

If you’re like most people, you probably find the idea of budgeting a bit daunting. After all, there are so many variables to consider that it can be difficult to keep track of everything. Fortunately, there are a number of budgeting templates available online that can make the process a lot easier. 

The first step is to find a template that suits your needs. There are a number of different free budget printables available, so you’ll want to choose one that will be easy for you to use. 

Once you’ve found a template, the next step is to input your information. This will include your income, expenses, and any debts or savings you have. 

Once you have all of your information entered, the template will give you an overview of your financial situation. From there, you can start to plan your spending and savings goals. 

Now, let us look at some free budget printables.

#1 Monthly Budget

monthly budget template by collectingcents.com

This budget template is a simple and easily customizable beginner printable budget worksheet. It is separated into weeks so that you can track your expenditure every week. Instead of using a pen and plain paper, get this printable monthly budget worksheet for organized and clear planning. You will be able to see where your money is going and make better financial choices each month.

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#2  52 Weeks Savings

The 52 weeks savings template is a great way to save money throughout the year. The template is divided into 52 weeks, and you should save the same amount every week. For example, if you decide to put aside $20 every week, you will have $1040 by the end of the year.

The template adds the total savings after every deposit to keep you motivated. 

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#3  26 Weeks Savings Challenge

26 week savings challenge

The 26 weeks savings challenge is a great way to save money for your future.

The plan is simple: you set aside a certain amount of money each week, and by the end of the 26 weeks, you will have saved a significant sum of money. You can increase the amount you save each week or keep it constant, depending on your financial situation. 

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#4 $10 Savings Challenge

$10 savings challenge template

The 10 dollar savings challenge is a great way to jumpstart your savings.

By setting aside 10 dollars a week, you can accumulate 520 dollars by the end of the year. This pdf beginner printable budget worksheet can be used for anything, like an emergency fund, a down payment on a car, or a dream vacation.

The budget planner printable is divided into 52 weeks, with a deposit and balance section to help you track your savings. 

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#5 52 Dice Game

dice game challenge template

The Dice Game Challenge is a fun and easy way to help you save money on a weekly basis. All you need is a pair of dice, and you’re ready to play. The object of the game is to roll the dice and total the numbers. The total of the dice will determine how much you save that week. 

For instance, if you roll a 6, you should save $20. The game is designed to help you save money for a whole year, so it’s a great way to make sure you’re prepared for unexpected expenses or financial goals. Plus, it’s a great way to teach kids about saving money. So, get rolling and start saving today!

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#6 The 5 Dollar Challenge

$30 Savings Challenge template

It can be difficult to save money, especially when there are so many temptations to spend it. However, small changes can make a big difference over time, and the 5-dollar challenge is a perfect example of this. By setting aside just $5 every week, you can save over $6000 in just one year. And because the amount increases each week, it becomes easier and easier to save as the year goes on. 

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#7 $30 Savings Challenge

$30 savings challenge template

The 30 dollar savings challenge is a great way to save money. It helps you save 30 dollars every week for a whole year. The plan shows you the amount you should have every week to help you keep track. Remember to tick the boxes after every deposit to celebrate your commitment. This challenge is a great way to save money, and it is a great way to stay on track.

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#8  $33.3 Challenge

33.3 savings challenge template

The 33.3 dollar saving template is a simple but effective way to save money. By depositing $33.3 into a savings account each day for thirty days, you will have accumulated $999 at the end of the month. The template provides boxes that you should tick after every deposit to keep you accountable. 

Note: The first nine templates listed in this article were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

#9 No Spend Challenge

no spend challenge template

The no spend challenge challenges you not to spend on unnecessary items for a given period, in our case, 30 days. During the challenge, you should spend money on necessities like rent, mortgage, groceries, bills, health, and gas and save the amount you would have spent on unnecessary items like clothes, takeaways, gifts, Uber, décor, and furniture, among others.

Note: All of the templates above were created especially for CollectingCents readers and can be downloaded as pdfs for free using this link.

Other Free Printable Budget Templates

#10 Clever Girl Finance Free Budget Template

clever girl finance template

Clever Girl Finance offers a free budget sheet and other resources to help you clear your debt and save money. If you have a lot of debt and need to learn how to get your finances in order, download her free budget sheet to help you plan your income.

#11 Budget Mom Budget Crush Workbook

budget crush notebook

The Budget Mom is a popular financial blogger who teaches women how to budget and clear their debt. She also helps her followers on Instagram create monthly budgets. As a result of budgeting, she has managed to pay off a debt of over $70k. 

Her free financial library comes with a free budget workbook and other resources. The Budget Mom’s simple budgeting techniques have helped hundreds of women get their finances in order and start saving for their future. 

#12 Budget Printable By NerdWallet

nerdwallet template

Nerdwallet is a well-known financial website. In addition to the money advice, they also have a free budget planner worksheet.

Their worksheet follows the 50/30/20 rule, whereby 50 % of your income goes to needs, 30% to wants, and 20% to savings or debts. They also offer a budget calculator to make work easier for you.

#13 Free Budget Planner Template By Evernote

budget template by evernote

Evernote offers a free printable budget template to help you track your income and expenses. With this template, you will be able to know where your monthly income is going and make adjustments where needed.

#14 Budget Templates By Hubspot

hubspot budget template

Hubspot offers a free budget template for business owners. They have budget templates in different sets to help you track expenditures in different areas of your business, including branding, marketing, advertising, and customer service. 

#15 The Ultimate Printable Budget Binder

ultimate printable budget binder

The Ultimate Printable Budget Binder is a cute printable monthly budget template by Thirty Handmade Days. If you love colorful stuff, this binder will be a plus in dividing your monthly income.

#16 Free Printable Budget Binder by Bloominghomestead

ledger by bloominghomestead

The Bloominghomestead budget template is among the cutest on the market. It comes with a monthly at-a-glance sheet, a monthly expense sheet, a weekly ledger, and a savings sheet. This template is for you if you want to track your money on colorful printables.

#17 Free Family Budget Planner by Spectacled Owl

family budget template by spectacled owl

If you are looking for a family budget worksheet to help track your family’s expenses, grab this one by Spectacled Owl. It is a great free printable budget worksheet that can be adjusted to suit various family expense categories.

#18 Free Budget Binder Printables from The Frugal Foot Doc

The budget binder from Frugal Foot Doc is a collection of printable monthly budget templates, including a spending log, bill checklist, due date calendar, bill checklist, and cash envelope template. If you use all the sheets, your finances will never be the same.

#19 Budget Sheet From Printable Crush

printables crush

If you are just starting to budget, the budget sheet by Printable Crush is a colorful and creative sheet to start with. It incorporates a monthly expense tracker and budget tracker to help you stick to your end of the month budget.

#20 Monthly Budget Template from Stacy Savings

The design of the monthly budget sheet by Stacy savings is fun to work with. It is divided into a total income, and an expenses section. Try it for your monthly budget.

Budgeting Apps, Spreadsheets, and Ideas

Budgeting apps and spreadsheets allow you to have your budget with you everywhere you go. In addition to the printable budget templates, you can take your budgeting to the next level using the following tools.

#1 Rocket Money

rocket money homepage

RocketMoney is an application that helps you manage your finances, increase your savings, and reduce your spending. It allows you to control your subscriptions, track your spending, and set up debt tracking and autosave features. It is easy to use and only takes a few minutes to set up.

#2 Personal Capital

personal capital homepage

Have you ever wondered how much your net worth is? Or what your financial picture looks like?

If so, Personal Capital is a great tool for you. With Personal Capital, you can see all of your savings and investment accounts in one place. Plus, there’s an inbuilt budgeting feature so you can see where your money is going each month. And the best part is that it’s free to use.

#3 Mint by Intuit

mint by intuit homepage

Anyone who has ever tried to stick to a budget knows how difficult it can be to keep track of expenses.

Mint is a free application that can help you plan for expensive purchases and keep track of your monthly spending. It uses graphs and charts to compare your expenditure from month to month, which allows you to make necessary adjustments if you find yourself spending more than you can afford. 

Wrapping It Up

We hope that you find a budget template that works for you and helps get your finances in order. Remember, it’s important to be honest with yourself about where your money is going and what changes you need to make in order to improve your financial situation. These printable budget templates can be a great starting point for anyone looking to gain control over their spending and start building wealth. Which of these templates will you try first?

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