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Free Budget Worksheets for Setting up your Personal Budget
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Free Budget Worksheets
These free budgeting worksheets are in high quality PDF format so that you can easily print them. Because these budget worksheets are high quality the file sizes are large, so it may take a few minutes to download. Please be patient. You will need the free Adobe Acrobat Reader to view these files.
Net-Worth Statement
Creating a Net-Worth Statement will help you to get an idea of the big financial picture, as it pertains to your assets, your debt, and your overall net-worth. |
Monthly Income Sheet
Calculate your net monthly income – it's a fairly easy and quick process. Your net income is the amount of income that you 'take home' from each paycheck, after taxes and other deductions. Your net monthly income is the total that you take home each month. |
Spending Accounts Worksheet
Identify the different type of spending accounts that you will need. There are two types of spending accounts— monthly and periodic. |
Monthly Spending Plan
Record your annual and monthly spending for each of your spending accounts. You will likely need to make adjustments, so please be sure to use a pencil to record this information. |
Debt Summary Worksheet
Before you can start to eliminate your debt, you need to first understand what your debt load is. This worksheet will help you create a list of your debt obligations. |
Debt Roll-Down Worksheet
The debt roll-down principle helps you quickly payoff your debts. This is done by applying a small debt accelerator payment to the first debt you can pay off. Once that debt is paid off you take the amount you had been paying on the first debt and roll it down to accelerate the debt payoff of the second debt. You continue to do this until all you debt is re-paid. |
There's a Better Way!
Manually tracking your finances using paper worksheets like the ones above can be a difficult and time consuming task. Luckily, there is a revolutionary new modern method to track your spending and manage your finances. Mvelopes Personal modernizes the budgeting concepts used in the budgeting worksheets above by using advanced Internet technology. You can now manage your finances in just a few minutes a week allowing you to get out of debt and save for the future. Mvelopes will give you the peace of mind to spend with confidence, knowing the money is set aside for each expense.
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Financial News
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National Homelessness Advocacy Groups Release "Foreclosure to Homelessness"
Report indicates that foreclosure has affected homelessness; primary reasons for homelessness, however, remain consistent through recession. (PRWeb Jun 27, 2009)
Read the full story at http://www.prweb.com/releases/End_Homelessness/Foreclosure/prweb2581984.htm
"Reduced Income" Cited 14% More Often by those Seeking Credit Counseling
Leading nonprofit says "root cause" of debt problems is changing (PRWeb Jul 1, 2009)
Read the full story at http://www.prweb.com/releases/2009/07/prweb2594024.htm
Financial Advisor Karen Lee Offers Important Advice for Consumers: Simple Steps Can Help People Get "Unstuck" Financially
Karen Lee of Karen Lee & Associates, LLC, in Atlanta, says that consumers have the power to take control of their financial lives. By following some simple guidelines, they can learn to live within their means and enjoy a solid, financial future. (PRWeb Jun 25, 2009)
Read the full story at http://www.prweb.com/releases/2009/06/prweb2566514.htm
Preeminent Industry and Academic Thought Leaders Named to the New York Life Center for Retirement Income's Advisory Board
The American College, the nation's premier educator of financial services professionals, announced today the appointment of eight senior industry and academic thought leaders to the Advisory Board of the New York Life Center for Retirement Income. (PRWeb Jul 2, 2009)
Read the full story at http://www.prweb.com/releases/2009/07/prweb2597014.htm
HealthHarbor.com Announces Immediate Availability of Discount Generic Drug Radar
Interactive tool allows healthcare consumers to search for discounted generic drugs in their area, adding to HealthHarbor's offering of healthcare consumerism content and resources. (PRWeb Jun 29, 2009)
Read the full story at http://www.prweb.com/releases/2009/06/prweb2586084.htm
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Online Personal Budgeting |
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| Mvelopes® Personal will help you easily create an online home budget, track all your spending, and always know exactly how much you have left to spend in every category. |
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- Create an easy to use household budget or spending plan
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Free eCourse
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Let us give you a free gift! We have created a 5-Day Spending Management E-Course called Money for Life - Financial Fitness University. This powerful new e-course will help you understand your spending and achieve financial success!
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