This free Google budget template has a tab for one person and a tab for two people, which is useful. With this form of budgeting, you’re more likely to be able to afford a one-time financial cost or a temporary pay cut without having to go into debt. While separating your necessary monthly expenses (needs) from wants can be difficult at first, it can be an effective way to budget. The 20% for savings and extra debt payments should also include savings for your emergency fund and retirement.
Wants may include things like eating out at restaurants or streaming services. With the 50/30/20 budgeting system, your cash is divided into three categories:Įxamples of needs include things like living expenses, insurance, and minimum monthly loan payments. When you only spend half of your income on needs, it means that you aren’t living paycheck to paycheck. The 50/30/20 rule encourages you to spend only 50% of your monthly income on necessary expenses. Swagbucks: Get paid to watch videos, shop online, take surveys and more. Polls Rewards: Your opinion pays off! Earn big with Polls Rewards. Plus same-day payments via PayPal, Venmo & Check! Join Earn Haus! Get $5 instantly!Įarn Haus: Earn up to $25 per survey. InboxDollars: Paid over $57 Million to members to watch videos, take surveys, shop and more. KashKick: Get paid directly into your PayPal for watching videos, surfing, shopping and more. This free Google template utilizes the 50/30/20 budgeting strategy. There’s a budgeting sheet to suit all budget styles. Whatever you are budgeting for, you’ll likely find one of the free budget templates below useful for you. Zero Based Budget Spreadsheet by Smartsheetįree Personal Weekly, Monthly, & Annual Budget Template for Google Sheets Home Renovation Budget Template by Smartsheet Budget & Transaction Tracking Template by Greenshift
And to help you figure out where the fun stuff fits into your budget. It’s designed to make budgeting a little easier. Start with this Google Sheets Monthly Budget template (you’ll need to make a copy of this one, too).
This one also offers a subscription for automatic updates. PS: Like the FIRE spreadsheet above, you’ll have to make a copy to customize it. This Quarterly Estimated Tax Sheet helps you estimate your business’ quarterly tax bill in real time. The good news is there’s a Google Sheets budget template to help you do that, too. You’ll need to add important business stuff to your budget. Psst…this spreadsheet doesn’t give you the option to edit, so you’ll need to make a copy of the original file to customize it. If that’s you, this Google Sheets budget template makes it easy to stay on top of your net worth and the return on your investments. And it’s picking up steam among those willing to invest up to 75% of what they earn. ICYMI: FIRE stands for financial independence, retire early. Use the FIRE spreadsheet to keep track of your progress.