Now to be completely clear, this isn’t some overly complicated excel template that has tons of formulas that only someone who can code could possibly figure out. The full version of this excel template will track your budget, net worth, discretionary income, credit utilization, as well as debt to income ratio. With that being said you can get this personal budget template on Etsy. Basically you’ll sit down to do your budget every time you get paid, pay your bills and you’ll be set with not only a budget for the next couple of weeks, but one that projects months into the future as well. Now in addition to that, the template is “hands on” but not too much so. If you can pull this off you’ll be ahead of 95% of the population (I completely made that number up). Personally, once I started tracking my net worth I started making much better financial decisions. Now the template I’m mentioning here not only tracks your budget but your net worth as well. This means we need a budget template that is fit for that. But what I tried to create with this financial template is something that is completely designed for people who live paycheck to paycheck and want to set goals to move beyond that.Īnd last I checked nearly 4 out of 5 Americans are more less living this way, and about 40% of the population are a paycheck away from poverty. Now, I may be biased because I created this budget…and all jokes aside, it is entirely subjective. It’s not even subjective, it’s 100% literally the best budget financial template you can use. If you’re looking for a budget to use as we head into 2023 to get your financial life back in order, then here is the best personal budget template in excel.
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