Using a FREE household budget worksheet in PDF format is a great way to keep track of your budget on paper every month. Instead of having to write down all your categories every month, this template will include most of them for you.
Even better, you can fill in the PDF template and it will calculate all your spending / income automatically. Use it as a budget calculator or print and fill in the data manually.
How to Use the FREE Household Budget Worksheet
- Click on the download button and provide us with the email address to send it to.
- Usually instantly you’ll receive an email with the confirmation: click on the link and you’ll be directed to the downloads area to get your FREE household budget worksheet.
- Download the PDF and start filling in the data, the template will start doing the calculations as soon as you input details. Write in your budgeted amounts for each item on the list. Ideally, all of the items added together for one month will equal your income for that month. This is called a zero based budget, and it’s the most efficient type to use when using a household budget template.
- If you need to, print the filled in PDF (maybe you want to file these as well) or the empty one and fill in manually.
- Start saving money. The first thing on your budget should be to set aside money each month in savings. This can be for specific yearly purchases (holidays, Christmas, car servicing etc.) or simply as an emergency fund. If you do this first of all, you won’t even notice that the money isn’t there to spend during the month.
More Tips on Using our Household Budget Template
Write the Correct Amounts
Don’t lie in your budgeting. If you spent too much on gifts, it’s OK, put the right amounts there and you’ll be able to see EXACTLY what needs improving.
Update Your Budget as You Go
Got new data? Place it in the PDF budgeting template to keep accurate. Create new budget files for each month, so that you can also see your history.
Adjust Your Spending Based on the FREE Household Budget Worksheet Data
Look back over the month to see where you’ve spent more or less than you budgeted. Sometimes differences are because you budgeted too much or not enough. Sometimes you need to get your spending under control. If you need some money saving tips, you can find them here, too. On the next month, take what you’ve learned to tighten up your budget so your difference column is closer to zero each month.