Print and Use These Great Free Budget Planner Sheets

Simply copy and past them into your word processing program and print them out.

Free Budget Planner Sheet #1

Monthly Budget Worksheet for ____________________ Free financial worksheet (1 of 3) To calculate your monthly budget simply print this budget worksheet and write down how much you currently spend for each of the budget categories per month below. Then add up all your budgeted expenses and compare that to your net monthly income. BUDGET CATEGORY AMOUNT Allowances: #First_name#   Allowances: Spouse   Auto: Gas & Oil   Auto: Registration   Childcare   Clothing   Debt/Payment To: Credit Card #1   Debt/Payment To: Credit Card #2   Debt/Payment To: Credit Card #3   Debts: Car Payment #1   Debts: Car Payment #2   Debts: Mortgage   Donations   Entertainment: Cable & Internet   Entertainment: Movies & Events   Financial Plan: College Fund   Financial Plan: IRA   Financial Plan: Investments   Food: Dining Out   Food: Groceries   Health: Co-pay & Supplies   Household   Insurance: Auto   Insurance: Health   Insurance: Housing   Insurance: Life   Savings   Taxes: Property Taxes   Utilities: Electricity   Utilities: Gas   Utilities: Mobile Phone   Utilities: Phone   Utilities: Water/Sewer/Trash   Other Expense #1   Other Expense #2   Other Expense #3   Other Expense #4   Other Expense #5   Total Monthly Expenses   Monthly Net Income   Minus Expenses (from above)   Available Income   There is an automated way to do this! Mvelopes Personal will walk you easily through this process on your computer and help you get a monthly budget setup in just a few minutes. Mvelopes will allow you to create as many budget categories (envelopes) as you need and will help you track every aspect of your finances. No more paperwork or manual data entry. Get a free 30 day trial of Mvelopes Personal today by clicking here or visiting www.mvelopes.com.

That free budget planner is for your monthly budget overview. You need to utilize each of the free budget planner sheets to complete the process...

Free Budget Planner Sheet #2

Balanced Monthly Spending Plan for ________________________ Free financial budget worksheet (2 of 3) You should have completed the monthly budget worksheet to enable you to compare your actual spending for the month against your net monthly income. In this worksheet, we want to help you create a balanced spending plan. On average, people spend 10% more than they make each month. You can't eliminate debt, increase savings, or maximize your investments if you are spending more than you bring in each month. This worksheet will help you create a balanced monthly spending plan so that you can cut hidden spending, increase savings, and eliminate debt. Print out the worksheet below and: List your actual expenditures from January (from the previous email worksheet) in the column labeled "Spent Last Month". List your net monthly income and the difference between what you spent and your net income in the "Balanced Spending Plan Summary" table. Make the adjustments necessary for the plan to balance with your income in the column titled, "Adjusted Allocation". Add up the totals from your adjusted allocations in the "Balanced Spending Plan Summary" table. Subtract your total allocations from your net monthly income. This amount should be zero so that you have all your income allocated to a spending category, with no overspending. MONTHLY SPENDING ACCOUNTS MONTHLY REQUIRED EXPENSES SPENT LAST MONTH ADJUSTED ALLOCATION Childcare (Day Care)     Debt/Payment To: Credit Card #1     Debt/Payment To: Credit Card #2     Debt/Payment To: Credit Card #3     Debts: Car Payment #1     Debts: Car Payment #2     Debts: Mortgage     Entertainment: Cable & Internet     Financial Plan: IRA     Insurance: Auto     Insurance: Health     Insurance: Housing     Savings     Utilities: Electricity     Utilities: Gas     Utilities: Water/Sewer/Trash     Other Expense #1     Other Expense #2     Monthly Required Total (a):     MONTHLY DISCRETIONARY EXPENSES SPENT LAST MONTH ADJUSTED ALLOCATION Allowances: #First_name#     Allowances: Spouse     Auto: Gas & Oil     Childcare (Babysitter)     Clothing     Entertainment: Movies & Events     Financial Plan: Investments     Food: Dining Out     Food: Groceries     Utilities: Phone     Utilities: Mobile Phone     Other Expense #1     Other Expense #2     Monthly Discretionary Total (b):     PERIODIC SPENDING ACCOUNTS PERIODIC REQUIRED EXPENSES SPENT LAST MONTH ADJUSTED ALLOCATION Auto: Registration     Insurance: Homeowner's     Insurance: Life     Taxes: Property Taxes     Other Expense #1     Other Expense #2     Periodic Required Total (c):     PERIODIC DISCRETIONARY EXPENSES SPENT LAST MONTH ADJUSTED ALLOCATION Auto: Maintenance     Donations     Financial Plan: College Fund     Financial Plan: Investments     Gifts: Birthday     Gifts: Holiday     Gifts: Other     Health: Co-pay & Supplies     Household     Vacation     Other Expense #1     Other Expense #2     Periodic Discretionary Total (d):     BALANCED SPENDING PLAN SUMMARY   SPENT LAST MONTH ADJUSTED ALLOCATION Net Monthly Income                                        Monthly Required Total(a)     Monthly Discretionary Total (b)     Periodic Required Total(c)     Periodic Discretionary Total (d)     Total Monthly Allocations (a+b+c+d)     Balance (Net Monthly Income less amounts spent or allocated)     (should be 0) There is an automated way to do this that will save you time and money! Mvelopes Personal will help you create a balanced spending plan, and it will automatically track your spending. You will always know exactly how much you have left to spend and how long it has to last. Mvelopes Personal allows you to create as many budget categories as you need, and also allows you to track spending from as many bank accounts, credit cards, and debit cards as you want. No more paperwork, no more math, and no more manual data entry. Get a free 30 day trial of Mvelopes Personal today by clicking here or visiting www.mvelopes.com.

Free Budget Planner Sheet #3

Debt Payoff Plan for ____________________ Free financial budget worksheet (3 of 3) In the last 2 worksheets, you were given the ability to track your spending, and create a balanced spending plan. Now that you are making progress on your spending management, it’s time to start eliminating debt and taking that next step on the path to financial fitness. First, list all of your debt obligations on the chart below. The list should include any and all people or companies that you owe money to; credit card balances, store accounts, mortgage, auto loan, student loans, etc. Debt Obligations  CREDITOR BALANCE OWING INTEREST RATE (%) MONTHLY PAYMENT                                                                                  As you review the list above, compare it to your spending plan. Make sure that you have included the monthly payment amount for each of these debts. If you didn’t, you’ll want to make those adjustments now so that you do not overspend your income. If you are using Mvelopes Personal, the system automatically sets up repayment envelopes for your credit cards, and you should already have an envelope created for each of your other debts. Any adjustments you need to make in Mvelopes should be quick and easy. Once you have updated your spending plan, you can now look at how to quickly eliminate these debt obligations. In the chart below, prioritize the list from above in the order you would like to pay them off. This can be done by interest rate, or balance owing. We recomend listing them by interest rate. Place the highest interest rate at the top. Then list the others in descending order. Debts Listed in Order of Payoff  CREDITOR BALANCE OWING INTEREST RATE (%) MONTHLY PAYMENT ROLL-DOWN AMOUNT Debt 1: (debt to payoff first)                                           (a)                      (a) Debt 2:                        (b)                        (a+b) Debt 3:                      (c)                      (a+b+c) Debt 4:                       (d)                      (a+b+c+d) Debt 5:                       (e)                      (a+b+c+d+e) Debt 6:                       (f)                      (a+b+c+d+e+f) Debt 7:                (g)                      (a+b+c+d+e+f+g) Debt 8: (debt to payoff last)                       (h)                      (a+b+c+d+e+f+g+h) Totals   -     In the chart above, you probably noticed the extra column titled ‘roll-down amount’. In order to quickly eliminate debt, you can enlist the debt roll-down principle. When you pay off the first debt, put the amount of that monthly payment toward the next debt on the list. For example, if you were paying $75 per month on your American Express card and that card now has a zero balance, add the $75 to the payment amount of your Auto Loan, increasing the total from $200 to $275 each month. When the car is paid off, roll that total into your next debt on the list. By keeping your overall debt payment amount the same, even after you have paid off some debts, you can pay off all of your debts very quickly and save thousands in interest. Accelerator payments are another method of increasing the rate of your debt reduction. An accelerator payment is simply an amount of money you take from your other spending categories and apply it to your debt payments. If you are using Mvelopes Personal, this can easily be done by sweeping any remaining balance from your spending accounts into your debt repayment envelopes. Applying this increased amount toward your remaining balance on each debt can shave off years of payments. To see how the roll-down principle and accelerator payments work, visit our interactive debt calculator. The debt calculator will show you how much you will pay for your debts over time and how much the roll-down principle and an accelerator payment can save you. This whole process of spending management can be done electronically, and in a fraction of the time. Come to www.mvelopes.com for your FREE 30-day trial- no risk, no obligation.

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