Three Free Budget Worksheets to Download

We always suggest making a budget. This is something you should do if you are having financial problems or not. Your personal financial management could always be improved. The biggest problem that most consumers have is they don’t know where to begin. These three budget worksheets should provide helpful tools to get you started. If you don’t need them, you might pass them on to other people that you think need some help or just a bit of personal budgeting education.

These are the three free budget worksheets you can download right away:

1. Quick Start Budget Worksheet: This is a good tool for most people who enjoy a regular income and need to track income and expenses.
2. Irregular Income Budget Worksheet: This is a good tool for freelancers and others who have an irregular income through the year.
3. Cash flow worksheet: The money comes in, the money goes out, so you need to control the flow!

How to Download These Free Budget Worksheets on Your Computer

These are free online budget worksheets, and they come in a .PDF format. If your computer, phone, or tablet can’t handle the files, you should be able to visit Adobe, the company that produces Adobe Acrobat, and download a free .PDF reader for your device.

Why You Need a Personal or Family Budget

You can bet that the number of people who have financial problems and absolutely no clear idea of how they spend their money is pretty staggering. Meanwhile, people who have a good handle on their income and outflow are much less likely to stumble into unexpected financial trouble. One reason is that people who budget know how much money they have coming in, how much they can afford to spend, and what they can afford to save.

People who don’t keep track tend to get overly optimistic about their ability to afford purchases. This is not a character flaw, but it is just a comment about the way that human brains work. When you do have your income and expenses documented with a budget worksheet, you will find it much easier to make rational decisions about your finances. Rational decisions help us implement real financial remedies, but relying on rose colored glasses is not helpful.