Sometimes, no matter how thrifty you are or how high-paying your job may be, money becomes difficult to handle. After you spend for the essentials, the taxes, the mortgage, cable, Internet connection, car, tuition, etc., your hard-earned income seems to vanish. Why is it so? Perhaps you and your family lack budgeting.
Budgeting your monthly, even yearly, expenses will greatly benefit your family. Not only will you be able to take a handle on how your money moves, you can also monitor your excesses and cut back on those. Take a look at our free downloadable Sample Monthly Budget Sheets and start making your own.
Monthly Family Budget Worksheet in PDF
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Family Budget Worksheet Example
By including the whole family in the decisions in the budget, you and your spouse teach your kids essential life skills that they can use and pass on to their children. Your family would also learn to appreciate the value of things, time, and effort since you all decided on what to spend on and your kids are aware of how much money you have to cough up. Here are some tips you can use in making a family budget:
- Start small. Don’t quit on your lifestyle cold turkey; you may not even have to quit it entirely at all. Start with small changes in your family’s spending by cutting back little by little on some things like eating out, buying toys, or even on recreational activities.
- After setting aside the amount for the bills and groceries, make sure that you have a solid percentage of the monthly income set aside for your family’s savings.
- Look for cheaper alternatives to some expenses. For example, instead of buying new toys, look for garage sales. And do you really need a new sweater?
- Conserve energy. Not just because it helps the environment, conserving energy—electricity, gas, even your own energy—could significantly minimize your spending. And you don’t need to drastically change your lifestyle. Turn off unused lights, time your showers, or introduce your children to activities that doesn’t eat up much electricity. You can also save on gas by making sure that you get everything you need on one trip to the grocery.
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Blank Family Budget Worksheet
Budgeting makes you and your family prudent consumers. You do not get easily swayed by impulse to buy something simply for the sake of having it. By cutting back on your expenses and sacrificing some of your usual inessential and expensive activities and exchanging it with better alternatives, your family will become closer. You can also supplement your budgeting skills by studying the basics of economics. Knowing how the economy works will improve your decisions on what to spend and invest on. With the world’s situation today, knowledge surely is power.
Our downloadable family budget sheets come in PDF format. Download and study them as they will help you organize your money. By using them religiously, you can have a good handle on your income. And with the savings you have, you can be sure that your children can go to a decent college. For those whose office work also needs a primer on budgeting, you can use our Sample Sign In Sheets to know how your coworkers are handling their income.
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