11/15/2023 0 Comments Budget planning worksheets printableMy biggest tip is recognize what’s a necessity versus what’s a treat. There are so many ways to reduce in this area – meal planning, eliminating food waste, flyer matching, coupon clipping, making food from scratch, etc. “Other” should take into account upgrades or repairs on technology, long distance calling, etc. We opted to not have a house phone and make our long distance calls via Google Chat. You may want to consider calling your providers and discussing different rate plans, bundles, or even cancelling phones. However, I know that I could get a basic plan and phone and reduce my payment from $90/month to $33/month.įor the convenience of checking social media on the go and having internet “with me” I am paying an additional $60/month or $720/year. I could definitely pare it down, but I like the convenience of pulling over and using my maps feature if I’m a bit lost, or being able to go on Pinterest if I’m bored in the grocery check-out line. Okay, I’m going to admit it: my phone plan is excessive. Health and dental insurance can be affordable – be sure to look into local programs or co-operative policies that tend to have lower prices or “geared to income” options. If you’re a parent, life insurance is a non-negotiable. If this is something you don’t have, make it a goal this month to call around and get estimates for different levels of coverage. While I included insurance for the home and car already, I cannot stress enough the importance of having insurance. Is there a gas station near you that has cheaper gas prices, or bonuses for using their station?Ĭan you offer to carpool with someone to get some help on gas costs? Insurance This is the first category that we can start playing around with – start by filling in the prices that you currently pay (look at bank records or credit card statements to help) and then start thinking of ways you can reduce your costs.Ĭan you reduce the amount of driving that you do to cut down on gas prices – or possibly even eliminate the need for a second car? If you regularly use taxis, commute to work, or chip in for a car pool, ensure that you add those expenses under “gas” or “other.” If you use public transportation, replace one of the lines with that expense. ( However you can save on heating and electricity bills with a few tips.) Fill these spots in with a generous average. These numbers may fluctuate throughout the year based on your gas and electricity use during the colder months (or busier seasons) and are generally non-negotiable, unless you’re willing to downsize. With taxes, you want to consider federal, provincial/state, and local taxes – including property tax. Gather past bills and check to see what your services and subscriptions actually cost. If you receive a salary, this is easier, but consider any side work or income from government rebates or child support (etc) while filling out the gross income portion. How to Use These Free Printable Budget Plannersįirst, you need to know how much you make and you need to know your basic expenses. In general, I want to encourage you to focus on two things: Not only have I created these pretty budget planning printables, I’ve also made a Google Spreadsheets version of my budget planner just in case you prefer paper-free! (As evidenced by my love of paper clutter, I’m definitely a “write it down” type.)īut I don’t want to just throw these free printable budget planners at you and leave you to figure out what everything means – I’m first going to go through the categories listed and how I suggest you should think about each category before you enter any numbers into your budget. These Printable Budget Planners will get all of your thoughts and numbers down in one place. This week as part of the Financially Savvy Fridays series, I’m giving you an awesome (and pretty) set of Budget Planning Worksheets. For more details, see our Full Disclosure. Welcome back to Sugar, Spice & Glitter! Please note, this post may contain affiliate links.
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