Vertex budget templates

Whether you list your mortgage as a big bill or a debt is up to you. These are your utilities, subscriptions, and other recurring bills that may be variable, but are pretty much consistent and predictable. Some of these could be envelope categories, but in general, these are for bills that you can set on AutoPay. The daily living categories such as groceries, fun and fuel tend to be highly variable. Many people like to use an envelope system to control the spending in these areas more closely.

If you are using a budget system where your envelope categories carry over from month to month, then as you complete your monthly zero-based budget, check the balances in each envelope whether physical or virtual to see whether you can reduce a category one month to make room for a bigger debt or savings snowball. You can use a Monthly Cash Flow Worksheet to keep track of how much you are spending on every category each month.

Hopefully, by the time you get to this section, you still have some budget left. Keep in mind that if you have already 'paid yourself first' by putting some money into savings automatically from your paycheck, and if you are already budgeting for the big bills, then this section is where you get to apply anything extra towards goals you feel like tackling.

You could put all the extra towards an emergency fund. Or, if you already have a decent emergency fund, put it all towards a debt payoff snowball. Or, split it between a few different savings categories. If the final budget is negative, you can either try to increase your income, or cut back in one or more of your savings and expense categories.

This is why using a spreadsheet is useful. You can easily change values in any part of the worksheet to try to get the "Budget Remaining" at the bottom of the Savings category to equal ZERO. Maybe you don't need that magazine subscription, or that extra video streaming service. Maybe it's time to see if your car insurance bill could be reduced.

You may love your home, but maybe it's time to downsize. If you don't already have some other system for analyzing your spending, then at the end of the month, enter your actual income and spending in the right-hand columns of the worksheet. Availability Calendar. Google Sheets Timeline. Executive Summary Template. Simple Gantt Chart. Free Invoice Template A great general-purpose invoice template.

Budget Planner Just one of our many budgeting worksheets. Personal Budget Spreadsheet Our most popular budgeting worksheet. Excel Timeline Template Create historical or project timelines using an Excel chart. Timesheet Template One of our many different timesheet and timecard templates. Billing Invoice Template.

Project Schedule. Excel Calendar Template Our original and most popular calendar template for Excel. Yearly Calendars A variety of designs showing a full year on a page. Daily Planner. Weekly Planner. Monthly Planner. Debt Snowball Calculator How fast can you get out of debt? A simple budget is a great place to start if you are trying to get a handle on your finances. How you allocate your savings is up to you. That amount is usually enough to handle unexpected variable expenses, but not enough to handle big emergencies.

So, your next goal could be to begin building up your emergency fund and starting a snowball to pay off credit card debt see our debt reduction calculator. Disclaimer: This simple budget spreadsheet and the information on this page is for educational purposes only.

Everyone's financial situation is unique. For help with your specific financial questions, you may want to seek the advice of a certified professional. Checkbook Template.