I don't include my credit card balance because I can't see the point in double-listing that info. Nearly every expenditure on this sheet is made via credit card. I have two accounts, actually, to keep my savings goals separate. (This is not a plug or sponsored post - after reading enough personal finance bloggers sing Ally's praises, I decided to give it a shot, and it's working out so far.) That sounds meager, but it's about 100 times what you earn in a standard savings account. I have a high-yield savings account with online bank Ally that earns me 1% on my savings. That's a quick way to drive yourself nuts. I choose to leave them off, operating with the idea that I don't want to check them every day. Where are your retirement savings and investments? I don't know if it will always suit my lifestyle, and tracking spending expense by expense drives some people up a wall, but for now, I like the close look at my finances. I like to do it every day because if I waited a week, I'd have to spend much more time on it in one sitting. If something looks odd, I'll pop into the online portals for my credit cards and make sure I can figure out each charge. I still have my LearnVest account, so I pull the numbers from there. To answer some of the questions and comments I expect will crop up. Most also work with Google Docs and Open Office.Again, you can access the spreadsheet HERE » Note: All Practical Spreadsheets work with Microsoft Excel.

If this spreadsheet does not meet your needs, consider aĬlick here to download our FREE Monthly Household Budget Spreadsheet

Choose 'Open' to immediately open the template for editing, or choose 'Save' to save the template to a location on your computer. This will reserve 10% of your salary for things such as savings or unexpected expenses.Ĭlick on the below image or link to download the spreadsheet. When creating your budget, try to keep your total expenses less than 90% of your salary. Once you have your budget created, you can also use the spreadsheet to compare your actual income and expenses to your budget.Ĭreating a budget is an excellent way to reduce debt, analyze expenses, or plan for future purchases. The spreadsheet separates common expenses into fixed and variable. This FREE Monthly Household Budget Spreadsheet will help you create your own, personal budget.

Monthly income outgoing spreadsheet