14 Free Personal Budget Templates

Allow me to share with you these 14 Free Personal Budget Templates prepared using MS Excel to quickly help you in your day to day tasks.

A very effective way of planning personal budgets is to base them on the latest trends in personal finance. The fact is that fad diets and fad remedies do not always work. Also, a lot of people can not follow these fad diets because they just do not have the time or the discipline to do so. Instead, what most people need is to get their hands on some good advice on how to plan a personal budget effectively. And one of the best ways of doing so is by consulting with experts on budgeting.

One of the best tips that experts give is to always keep one thing in mind: not everything you earn will be eaten up by your budget. This is because a lot of things are included in a person’s income such as tips from waiters, rent, mortgage, insurance, utilities, child care and other similar expenses. So it is important that before you do your budgeting, you make a list of all these expenses as well as the salaries of every employee in your company. When you do your calculations, you must remember to take into account the incomes of your spouse as well. It is also important to calculate your net worth, which refers to the value of everything left after your basic needs have been covered.

Free Personal Budget Templates

Here are previews and download links for these Personal Budget Templates,

Personal Budget Template 01

Here is download link for this Personal Budget Template 01 in MS Excel format,

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Personal Budget Template 02

Source: Microsoft Templates

Download link for this Personal Budget Template 02 in MS Excel format is below,

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Personal Budget Template 03

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Personal Budget Template 04

To download this Personal Budget Template 04, click on the button below.

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Personal Budget Template 05

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Where to find Personal Budget Templates?

These days, a lot of people are finding personal budgeting difficult and they end up making mistakes in their calculations. One of the most common mistakes made by people when doing their personal budgeting is underestimating their income and underestimating their expenses. Doing so could lead to serious budgeting problems. If you want to avoid making the same mistake, here are a few tips for you:

If you do not want to make any changes in your personal budgeting, it is best that you stick to what works for you. If you like the budget you currently have, stick to it. This way, you will be able to see your budget as effective as possible. In fact, this is one of the best ways to ensure that your budgeting remains effective.

Once you feel that your budget is effective, try to go a step further. Try making a supplement to your current personal budget. A supplement to your budget means increasing your spending money so that you can get a better balance between your income and your expenses.

Personal Budget Template 06

Download link for this Personal Budget Template 06 is here as well,

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Personal Budget Template 07

Here is download link for this Personal Budget Template 07 in MS Excel format,

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Personal Budget Template 08

Please click on the download button below to start downloading this Personal Budget Template 08 in MS Excel Format,

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Personal Budget Template 09

Download link for this Personal Budget Template 09 is here,

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Personal Budget Template 10

Here is download link for this Personal Budget Template 10 in MS Excel Format,

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Creating your own Personal Budget Worksheet

If you are working on a budget on your own, you may think that this task is too complicated to be done effectively. Don’t worry. All you need is the right knowledge about budgeting and the right attitude towards making improvements in your personal finances. With these two, you can easily get your budget to work effectively.

To achieve the desired effect in your personal budgeting, you should try to get to know about your personal finance basics. At the same time, you should also try to know as much about personal budgeting as you can. By so doing, you will know how to make your budget more effective in terms of predicting your future financial state.

Planning your budget is very important. You will realize how useful it is in the long run when things start falling into place. However, if you are planning on using your budget effectively, you should make sure that your budget is prepared well. In other words, you will have to do your personal budgeting correctly the first time around. You can get help from experts or even hire someone who will prepare your budget for you.

Personal Budget Template 11

Download link for this Personal Budget Template 11 is here,

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Personal Budget Template 12

Here is download link for this Personal Budget Template 12 in MS Excel Format,

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Personal Budget Template 13

Download link for this Personal Budget Template 13 in MS Excel Format is here,

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Personal Budget Template 14

Here is download link for this Personal Budget Template 14 in MS Excel Format,

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Although it would be helpful to get the help of an expert, if you think that you are ready to take care of all the preparations yourself, there are a number of steps that you can follow in preparing your own personal budget. First of all, you will have to list down all your financial income and expenses. At the same time, you should also list down all the sources of your income and expenses. When doing so, you will find out your personal budgeting limitations. If necessary, you can use a spreadsheet application such as Microsoft Excel to make your calculations easier.

After preparing your personal budget, you should then go through it with a fine tooth comb. This means that you will have to go over every single line item in your budget and make sure that you understand it. If you are not sure of what should be written in a certain line item, you should note it down. In addition to making sure that you understand your personal budgeting basics, you should also spend some time looking for more information. For instance, if you find that you are having some trouble with your budget at the moment, you may want to read about some more detailed tips on budgeting.

The point is that you should spend some time looking for more information when planning personal budget effectively. You should also spend some time looking for different resources online. By doing so, you will have a much better chance of success when planning your own personal budget.