Budgeting Tools



To properly work this or any budgeting system, you need budgeting tools that will help you organize your expenses, balance your budget, and track your finances month-to-month.

Throughout this site you will find links to several such tools, and I thought it would be helpful to also make them available here – in one central place where they’re easy to find. They’re free for you to use, and you’re welcome to share them as well. Just click on each name to open the pdf file in a new window.

You’ll need Adobe Reader installed on your computer in order to open, view or print these files. You’ve probably already installed it, but in case not, you can get Adobe Reader here (a new window will open so you can download it without leaving this page). No worries – it’s free. Once you’ve downloaded Adobe, just click on the links below to open the files to view or print them.

Here are the budgeting tools you’ll need to succeed:
  • Personal Budget Worksheet: designed to help an individual identify all of his or her expenses.
  • Household Budget Worksheet: if you are budget planning for you and your spouse, or your family, this is the appropriate sheet for identifying and organizing your expenses.
  • Monthly Budget Planner: this allows you to track your financial situation each month. Used properly, this important and effective tool will help you avoid carelessly overspending because it helps you account for every dollar that goes out.

In addition to these worksheets, there are a couple of other basic items that you will find to be helpful as well:

  • a box of regular size (3 5/8” x 6 1/2”) envelopes for controling your cash
  • spiral notebook for tracking the money “parked” in your savings account
  • calculator
  • sharp pencils and a good eraser (!)




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