Budgeting Templates

on Nov 08, 2011 @ 09:17 am

Hi there,

I was wondering if anyone used a budgeting template online, or had come across any useful ones? My boyfriend has trouble budgeting, but I've lost the link I used for the template he'd been using that worked for him, and I cannot find it anywhere online anymore! 

Just something to keep track of how much he is paid, bills owing and money spent, doesn't have to be complicated, he's a visual learner so finds its much easier to see written out!

Any help would be great!


8 Replies

Interested on Nov 08, 2011 @ 09:47 am

Hmm, I would be interested in people's response to this as well. Recently I have been trying to put away some savings for big purchases (ahem, a car and a house? lol) and have been working on budgeting. I have been saving all of my receipts and logging them into a worksheet on Excel by category (cell phone, osap, cosmetics, food, etc) but would love to hear if other people have more suggestions!

lots of options! on Nov 08, 2011 @ 09:55 am

If you have Excel, you can try its budget template.

I have also used Quicken software in the past - at that time it was very user friendly, and I would assume that's still true. It's also quite affordable, starting around $20 US on Amazon (a little more on the Canadian side). You don't need the most up to date software package unless you are choosing a version that also helps with your taxes (in which case you DO want the newest version to get all the current tax benefits).

In fact, Quicken has a free online budgeting tool called Mint - I've never tried it out, but it might be worth a shot.

I just looked online and saw quite a few free online tools, but I personally am always a little wary of storing financial info online. Whatever you choose, I'm sure you know it's important to protect yourself and give up as little abusable (think identity theft) information as possible.


. on Nov 08, 2011 @ 09:59 am

Have you checked if your bank has something? I know CIBC has been doing a lot of development on mobile banking tools of which include tools like what you seek.

I also know the App Store has quite a few budgeting apps available if you are looking more for a tracking your expenses rathering then accounting type of solution.

I've heard good things about Mint but ya I was hesistant on using it since it does access your bank information.

Thanks! on Nov 08, 2011 @ 12:14 pm

Yeah I'm slightly hesitant when it comes to keeping my information online!

I'm definately going to try using Excel, perhaps if I help him create something user friendly on Excel that he can use that rather than printing pages to document spending/saving etc.

I will continue my search online as well! Thank you for the quick responses!

excel on Nov 08, 2011 @ 02:28 pm

I track my spending / earning details in Excel. I agree with everyone that spoke of not keeping banking info online, especially if a 3rd party is accessing my bank info! yikes!

I have a spreadsheet custom made for me, and update it at least once a week with what I spend, what I earn and bills I pay. Meanwhile I keep a daily record on my phone and everytime I update my spreadsheet, I delete the records from my phone. This is working for me and really helps saving money!

online banking on Nov 08, 2011 @ 02:44 pm

Shiori makes a really good point. I have been using my bank's online bill pay for many years now and absolutely love it. Most of the vendors send the bills directly to my profile so I can see when they are due, schedule a payment date, and note when the payment has been processed. I'm with Royal Bank.

It's not as useful for day to day budgeting in terms of noting how much you're spending on groceries, clothes, gasoline, etc, so for that small scale analysis I keep an Excel spreadsheet. I don't do it religiously because I have a young family and it's really busy over here, but I do it a few times per year and track a whole month's worth based on my receipts and debit card/credit card statements. That way I still get regular overviews of how much I'm spending and where there are spikes (seasonal, holiday, or otherwise).

. on Nov 08, 2011 @ 02:51 pm

@ mamaluv, that is the one good thing about VISA (and I assume most credit card) statements. They can divide up your spending into categories (groceries, shopping, gas/transportation,etc) which is helpful for those who do budgeting. That's part of why my family charges almost everything to credit cards since the statements are so much more detailed then debit/cash. Of course this only works for people who have good spending habits.

I'm wondering if there's something I can get on my phone that I can just put in the those day-to-day expenses but have it link up to a master excel... cause man do I need to work on my personal budget!

that's true on Nov 08, 2011 @ 03:06 pm

Yes, I have cards with 3 different providers and they all break down by store type. The only issue is when you shop at a super store - you might not remember if that shopping trip was for housewares, clothes, groceries, or auto parts!

We pay off all our balances every single month, so we can also take advantage of the rewards systems. Also, if you ever have to dispute something with a retailer (not just fraudulent charges - you can also make a dispute if they refuse to accept a return and you have reason to believe you're not being treated fairly), a credit card company is better for that.

We used to be a on cash-only budget, the so-called "envelope system", but found that even though this system really works for some people, it didn't for us. We kept forgetting where we spent the money! Too easy to fritter it away.

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