These calculations will help give you a starting point – and idea of where you can cut and where you can save money in the future. It lists 4 different places to put your savings: Savings, Emergency, Debt Payoff, Other Goals. I include Needs and Want forms and an expense tracker in my Complete Budget Kit that are useful, too. The simple budget worksheet uses a graph to show you how your savings can be divided up. For future monthly budgets, however, I recommend that you start tracking your expenses – all of your expenses – starting now.Ĭalculate the amount spent for each of the Printable Budget Forms’ Categories and notate it either on the form (there is plenty of room on each line) or on a separate piece of paper. In this case, for your first budget, you will have to make some guesses as to how much you spend with cash. If you use cash, it can be a bit more difficult to track your money – especially if you don’t keep receipts. Gather as much information as you can about your expenditures. The best way to ensure you calculate your expenses accurately is to look at past credit card statement, bank statements and other bills. Calculating Expenses on your Free Budget Planner Template
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