Family, Home Budget Worksheet

The free Home Budget Worksheet is meant to help you create a family or personal budget for an entire year. Doing this will help you plan and make predictions about where your family or personal finances will stand in the future. If you are moving, changing jobs, purchasing a home, or making other major life changes, it is essential to plan many months ahead. _ Microsoft Excel Required.

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Home Budget Worksheet

This worksheet makes it easy to create and update your home or family budget. Customize the categories and use it for planning your family and personal spending. Created by Eric Bray and Vertex42 LLC.

(Contains no macros)

This budget worksheet can be imported into almost any Spreadsheet program, including Microsoft Excel, Open Office and Google Spreadsheets!

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File Type: .xls
Size: ~50 KB

Required: Microsoft Excel 2000 or later, Google Spreadsheet, or Open Office

License: Free For Personal Use

Note: We believe the calculations to be correct, but do not guarantee the results. Please consult your financial advisor or accountant before making any final financial decisions. This note also applies to the spreadsheets listed below.

Using the Home Budget Worksheet

Why Use Excel for your Family or Personal Budget? I use Excel when working with my home budget because that it gives me the flexibility to keep track of the information the way I want to. For example, I like to use cell comments to explain certain budgeted items in more detail (such as the fact that in May, there is Mother's Day and a couple of birthdays to remember).

I recommend using Quicken to keep track of your expenses, or your budget projections will end up being only wild guesses. Make sure that you set up the Quicken categories the same as in your home budget worksheet, or vice versa. In this worksheet, the categories are organized alphabetically to make it easier to compare to the Cash Flow reports in Quicken.

After each month passes, enter your actual balance at the bottom of the worksheet. If the actual balance is much different from the prediction, try to figure out why, and you may want to adjust your worksheet to reflect your actual income and expenses for the month.

How do I calculate my "actual balance"? What you include in the balance is up to you, but I usually just add up the balance of my checking accounts and then subtract the balance from credit card accounts. In other words, I don't include investments, retirement, or savings accounts in the balance. For example, I include my take-home pay (wage minus tax deductions minus 401k contributions) as an income category, and then I record a transfer to my savings account in the "Savings Expense" category.

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