I avoided budgeting for years. The reason? Honestly, it seemed like a budget was nothing more than a parent telling me what I could and couldn’t do with my money.
Now my budget worksheet (and other printable worksheets) are some of my financial BFFs. They’ve changed my financial life.
Printable budgets can be a game-changer for your finances. They allow you to see where your money is going and make sure that your spending aligns with your values and goals.
Printable Budget Worksheets Provide a Financial Revelation
I started using budget worksheets and other printable budget tools out of desperation. My family and I were deep in consumer debt (to the tune of $42,000) and desperate for change.
So I searched for and printed out two budget worksheets that would end up changing my life:
- A budget worksheet
- A spending tracker
I made the budget estimating our expenses the best I could. Then I went about paying our monthly bills using the budget.
The second step I took was probably the most life-changing as far as our money was concerned. I started tracking every dime we spent, recording what we spent it on.
You see, I couldn’t figure out why we had so much consumer debt at the time. We didn’t buy new cars. We didn’t buy any big-ticket items. No vacations. No trips to the casino.
It didn’t take me very long for my spending tracking worksheet to reveal where our money was going. We were literally nickel and diming our way into growing consumer debt.
Big box store runs for necessities and a little more. Trips to local restaurants. Drive-thru runs. An unrestrained grocery budget.
All of these “little” things were adding up to big spending. But my spending tracking worksheet showed me where we were out of control in our spending. And my printable budget worksheet showed me where we needed to be.
True financial revelation.
Now that I had my printable budget worksheets, I could create a money management system that worked for my family.
You see, each person/couple/family is different. My budget likely won’t work for your family, and the budget that you create won’t work for mine.
This is why money management systems that can be customized are so important. There’s no “one size fits all” approach to money. A budget worksheet system ensures you can customize your budget and your money plan as you see fit.
Budget worksheets can help you create a plan to get to financial independence or retire early. It’s like having a personal money coach in your back pocket.
Seven years after I started using my first printable budget worksheet system, I’m well on my way to financial freedom. In fact, I still use the same printable budget worksheets today that I used back then.
Here are some of my favorite printable budget worksheets from around the Web.
Bonus: They’re all free!
10 Best Printable Budget Worksheets
I chose these printable budget worksheet links for a variety of reasons. Each sheet or set covers other budget needs – not just your monthly expense budget.
I also chose based on looks. It really is more fun to use printable budget worksheets when you love what you’re writing on and working with.
1. Printables By Design Budgeting Printables
Printables by Design Budgeting Printables is a thorough set of budgeting worksheets available in a variety of colors.
There are budget worksheets, five-week paycheck summary sheets, debt payment worksheets, and more. Once you download the worksheets you can choose the color you want to print.
Note: This site isn’t a personal finance site, it’s a printables site. They’ve got dozens of free printables for a variety of occasions you can use at any time.
Check out the site’s printable grocery list while you’re there. It’s a great tool for helping you keep in line with the grocery budget you set. Hint: Use the “household” section to list a couple of weeks’ worth of meals. Then plan your grocery list based on what you need to make those meals.
Planning your grocery budget this way will ensure you’ve always got a meal in the house and can avoid last-minute take-out food runs.
2. Cents And Order Budget Binder Printables
Cents and Order Budget Binder Printables complete set of budgeting printables can help you manage your finances in several ways. You can create your budget, but you can also track which bills are due on what dates during the month.
One nice thing about the Cents And Order set is that it helps you track budgeted expenses vs. actual expenses. This is important. I found when creating my budget that what I set to spend in a specific category is not always what I would spend. So you need a way of tracking that as well so you can stay on budget.
3. Just A Girl And Her Blog Budget Printables
Just a Girl and her Blog Budget Printables were created by blogger Abby Lawson. This free printable budget binder will help you budget, track your expenses, and track financial goals.
This set also comes with an end-of-the-month check-in to see how you did progress wise. This home organization printables website offers a host of other printables, articles, and courses to help you create a peaceful and organized home.
4. Mint Budgeting Templates
It only makes sense that Mint, creator of one of the most used online budgeting apps, would have free printable budgeting worksheets available. And you don’t even have to be a Mint user to have access to them.
Mint Budgeting Templates free Excel worksheets include the following printable worksheets:
- Student budget worksheet for college students
- Basic budgeting template
- Monthly budgeting template
- Daycare budget template
And others. Download the worksheets that fit your budgeting needs – even if you don’t use an online budgeting app like Mint.
Here's our full review of Mint if you want to check it out.
5. The Queen Of Free Budgeting Set Printables
The Queen of Free Budgeting Set Printables was created by personal finance blogger Cherie Lowe, who paid off over $127k in debt in just four years.
Along with basic budgeting categories, this printable will help you manage short and long-term savings goals, as well as debt payoff goals. Use a new one each month to track and manage your money.
6. Simply Unscripted Budget Binder Printables
The Simply Unscripted Budget Binder Printables set includes over 50 different printables to help you manage your money. Along with a budget worksheet, you can get a debt snowball worksheet, a password tracker, and a savings tracker.
I know 50+ worksheets is probably a lot more than most people need. But at least they’re available for those who want to use them. Use the worksheets that will benefit your financial management plan, forget the rest.
7. Clean and Scentsible Family Binder Budgeting Printables
Clean and Scentsible Family Binder Budgeting Printables include a Budget-At-A-Glance worksheet, a Budget Overview worksheet, and a Debt Tracker worksheet.
There’s also a host of other printables on this home organizing and decorating website. Bonus: The site shares some awesome recipes as well.
8. A Mom’s Take Family Budget Worksheet
A Mom’s Take blog is a place where people can go to learn about all things related to home and family. A Mom’s Take Family Budget Worksheet includes worksheets for creating a budget and more.
You’ll get access to an Emergency Fund Savings Tracker worksheet, a Bill Pay checklist, and more.
There’s also a long list of other free printables on this site, such as home organizing and grocery/menu planning printables.
9. Inspired Budget’s Free Budget Printables
Inspired Budget’s Free Budget Printables is a free 6-day email course that can help you get your budget organized and on track. A fun feature of this free printable course is the printable cash envelopes.
Cash envelopes help ensure you stick to your budget by using cash only for discretionary spending. Check out the other pages on the site for budgeting and money-saving tips.
10. Blooming Homestead Budget Binder Printables
Blooming Homestead Budget Binder Printables include weekly ledgers, monthly ledgers, month-at-a-glance pages, and more.
These free printable budget worksheets are available in three different designs as well.
Using a budget to make the most of your income will help you achieve your financial goals. Free budget printables are just another way to make budgeting and tracking your money more successful and more fun.
If a printable budget worksheet isn't for you, check out these free budgeting apps.