Reach out to Embrace Home Loans today to learn more. With interest rates at historic lows, it could mean serious savings both monthly and over the life of your mortgage. If you’re looking to lower your housing expenses and make more room in that budget, you might consider refinancing your mortgage loan. This helps you think more long-term and can assist with savings goals (for a vacation, your kids’ college tuition, etc.) This annual budget worksheet from Fidelity is a great start. Though having a monthly budget is a great start, you’ll also want an annual one, too. You should remember that no one is born with money management. The target is to remain financially stable after catering to all your expenses. With the help of these templates, you should detail your income, total expenses, and help you calculate and adjust your budget. Then, once the month comes to a close, assess your spending patterns and see where you can cut back. The household budget templates provide you with the best solution you need. Use it to track all your daily expenditures throughout the month. Want to get a better handle on where your money is going and what it’s being spent on? This daily expense tracker can help. Eventually, the more debts you pay off, the more you have to pay down those larger debts and eventually, you become debt-free. Once that’s paid off, you put the payment you were previously making toward your next-smallest debt.
The debt snowball method has you pay off your smallest, most manageable debt first. If you’re looking to pay off credit cards, loans, or other debts, this snowball worksheet can help you visualize the best way to do it.
Another great option for a monthly budget is this one from the Federal Trade Commission.
The best part? It comes as a fillable PDF so you can easily type, print, and post on your fridge month after month. My Frugal Home has a great b udgeting worksheet that helps you plot out all your monthly expenses, including everything from gym memberships and banking fees to lawn care and your kiddos’ allowances. pdf-1020-make-budget-worksheetform.pdf (507. Also, use the worksheet to plan for next month’s budget.
Want help managing your finances better? Here are our favorite printable budgeting worksheets: Printable Monthly Budget Worksheet Use this worksheet to see how much money you spend this month. Though there are apps and online budget tools and budgeting calculators that can help here, sometimes it’s just best to go back to basics and put good old pen to paper when sorting out your finances.įortunately, there are hundreds of printable budget and financial worksheets on the web that can help you manage your costs, better save for future goals, and even track spending within individual categories. You’ve got bills to pay, income to track, and countless other expenses you need to cover throughout the year, all while saving for retirement (and a rainy day).