The internet is filled with personal budget templates you can use to get started with your monthly budgeting. Having a budget keeps you on track to meet all your financial goals and possibly, even have more money to put towards your education.
Whether you like to use spreadsheets or write things down, or even automated budgeting programs, there are plenty of ways to get help creating a personal budget that’s right for you.
Here are a few of our favorite templates, technology hacks, and budgeting busters.
Mint is an online budgeting tool that pulls all your expenses and income from your bank accounts, credit cards, and loans to help you build an automated and complete budget.
They’ll even give you suggestions on where you can cut back on spending. Plus, you get access to your credit score so you can continue to improve and build it. Best of all, it’s FREE.
Weekly Budgeting Template
Spreadsheet123 offers a free weekly budgeting template to keep your finances on track weekly rather than monthly. This spreadsheet format can auto calculate many of your expenses and works with Excel and Google Docs.
Student Budget Template
Microsoft has students in mind with their student budget template. It was designed for students going away to college and managing their expenses for the first time. It’s easily customizable, but you will need Excel to manage it unless you convert it to Google Docs.
Clarity Money is an all-inclusive app that helps you stay on track with your budget and savings. Like Mint, you link all your financial accounts, which itemizes your spending into specific buckets and categories.
It will also help you get a sense of what subscriptions you have to help you cancel what you’re no longer using. Like Mint, it also gives you access to your credit score and is completely free.
Based on the envelope system, this is great for people who want to portion out their income by category.
This app does not sync with your accounts. Instead, you manually put in your balances and assign yourself the amount you want to spend in each category (or envelope). There are a free version and two additional robust budgeting plans that start at $6 per month.
NerdWallet Budget Worksheet
NerdWallet offers customized budget worksheets based on the 50/30/20 budget style. You fill it out with all your information, including income and expenses, and it will generate a worksheet that you can continue to update.
It’s great because they customize specifically for students. Meaning they know your wants and needs and can help you determine the best way to save.
Budgeting doesn’t have to be complicated. With the right personal budget template, you have everything you need in one place to create a more secure financial future successfully.