Free Budget Planner PDF 2022
Free printable budget planner here. It is a simple starter budget planner for you to start your first budget. You can get free budget planners, you can buy budget planners, you can use a digital budget planner but do you actually know how to fill out a budget planner? You can get a brand new shiny budget planner anywhere these days and there are some wonderful ones on the market but maybe you are just starting to budget and you are not ready to invest in a budget planner yet. You can use my free one instead. Sign up for my monthly newsletter and I will send you one. I started budgeting with my own homemade budget planner. It is a simple calendar page, with a notes page attached, for each month.
1. Your Free Budget Planner Printable PDF
Go here to sign up for my free monthly newsletter and I will send you your free printable PDF budget planner. I will send you an email once a month with helpful budgeting content.
2. Prepare To Use The Budget Planner.
You will need:
Your bank statements ( recommended 6 months)
All bill statements
All debt statements
Receipts for regular purchases like groceries and eating out.
Pension and investment statements
You will need access to all of your ‘money’ information. That is all of your income details and evidence of where you spend it all, including all discretionary expenditure.
3. Time To Work The Numbers.
Now it is time to prepare you numbers for you fill out a budget planner. To prepare to budget you need to know two basic things; what money is coming in and what money is going out. You can work that out on paper by listing all the things you spend money on.
Here are some examples of money going out:
Rent or mortgage
Fuel for your car
Phone, internet and entertainment services
Car maintenance costs
Go through your statements with a fine tooth comb and figure out exactly where your money goes each month. Include EVERYTHING you spend money on.
Here are some examples of money coming in:
Full time wages and salary
Part time wages
Maintenance payments for children
Benefits and grants
ANY money that comes into your house for any reason should be included.
4. Time to Record The Numbers
Now that you know how much you spend on each category every month, I suggest that you record the numbers in a spreadsheet or in a notebook if you prefer. I record my ANNUAL and MONTHLY amounts for each category for all INCOME and all OUTGOINGS in a spreadsheet at the beginning of the year.
The reason I record the annual number is so that I can easily make long term decisions or short term decisions by quickly viewing my annual numbers and then re-calculating it as needed.
If I need to know if I afford a larger unexpected purchase, I can quickly assess my ability to afford because my annual income and outgoings are side by side in my spreadsheet.
Equally, I can see if there is flexibility in my budget on a month to month basic should a smaller unexpected financial issues arise.
5. How To Fill Out A Budget Planner-Page 1.
Take your IN/OUT page and look at your record of annual and monthly numbers that you have in your spread sheet or notebook. Fill out what is coming in and what is going out this month. Make note of anything that might effect your budget plans this month. This just helps to keep you aware that things can change and that is ok!
I like to work out the balance for the month on the IN/OUT sheet and declare where the extra money is going from the balance. It might go to a sinking funds, debt repayments or savings. This post below explains what sinking funds are.
6. How To Fill Out Your Budget Planner-Page 2.
Simply add the dates to the page. It’s undated so that it can be used every year. Take the numbers from the IN/OUT page and insert them into the calendar page.
I include each income on the date it comes in and I write it like this in that date section:
+ €300 Income
In the same date section I include what will be paid out on from that income, like this:
-€20 Pocket Money
I take each income to zero on the day it hits the account.
As you can now see, the numbers in my monthly budget planner are not randomly applied:
- I have extracted these numbers from my annual and monthly record in my spreadsheet.
- I have my monthly IN/OUT filled out.
- The amounts for each category INCLUDING pocket money have been predetermined in the annual and monthly record at the beginning of the budgeting process.
- In the calendar page I include events, activities, meetings and appointments to allow for budget fluctuations ( i.e. life stuff!).