Do you know how much you are spending every month? Do you REALLY know? It is ever so easy to let the odd £5 or £10 out of sight. Soon, this adds up, and we’re left wondering what happened.

Keeping a budget sheet might seem stuffy, but it’s good practice. The best part is that you don’t even need to spend the time creating them – people have already done it for you! Here are some great templates to download (you will need Microsoft excel or a similar spreadsheet program).

http://www.vertex42.com/ExcelTemplates/budgets.html

Vertex42 offer 6 great template varieties, from a complex family set-up, to a simple household worksheet.

https://www.mint.com/budgeting-3/home-budget-template-create-an-effective-household-budget

Mint have a sophisticated app which lets you plan your budgeting automatically via a smartphone. But for those less technically inclined, they also offer straightforward worksheets for download. Try the Household budget sheet.

https://templates.office.com/en-gb/Budgets

If you’re using Excel, don’t forget that microsoft also provide some budgets for you to download. Although these come from the product experts themselves, some of them feel a little like filler. However, if youre looking for something ultra simplistic, it is a great place to start.

 

 

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