Homeowner's Budget Template: Utilities, Taxes, and Maintenance
Homeowner's budget template for the bills renters never see: property tax, insurance, HOA, utilities, and a maintenance reserve in a year-long structure.
Budgeting Articles
Budgeting methods, templates, and practical guides for tracking spending. Articles covering budgeting topics with practical guides, calculators, and spreadsheet templates.
46 articles
How to Budget with Irregular Income in Google Sheets
How to budget irregular income in Google Sheets: the baseline method, a four-tab spreadsheet, and the buffer that smooths peaks and dips for freelancers.
State of Personal Finance Mid-2026: What the Data Shows
Mid-2026 state of personal finance: saving rate, credit card balances, mortgage burden, retirement balances, inflation, and net worth, from Fed and BLS data.
Cost of Living Comparison Spreadsheet: Move-Decision Worksheet
Cost of living comparison spreadsheet for the move-or-stay decision. Side-by-side housing, taxes, utilities, transport, and the salary-equivalent number.
Mid-Year Financial Review: A Template for Checking In
A mid-year financial review template covering budget vs actual, net worth, savings rate, tax check-in, insurance, subscriptions, debt, goals, and adjustments for the rest of the year.
Subscription Tracker Spreadsheet (Excel Template, Annualized Costs)
A subscription tracker spreadsheet logs every recurring charge, annualizes the cost, and flags renewal dates. Excel template plus a 10-minute audit routine.
End-of-Year Budget Review Template: A 12-Month Retrospective
A year-end budget review template that walks through the 12 months you just lived. Variance per category, savings rate trend, and a checklist for next year's plan.
Free Expense Tracker Google Sheets Template (5-Minute Setup)
Free expense tracker templates for Google Sheets in 2026. Includes Google's built-in version, two community options, setup walkthrough, and when paid is worth $15.
How to Budget a 2-Week Europe Trip (Country-by-Country Costs)
Per-day cost estimates for 16 European countries in 2026, plus a worked example for a 2-week trip and a Google Sheets travel budget template.
Wedding Budget Spreadsheet: 80 Rows That Cover the Whole Day
A wedding budget spreadsheet with 80 vendor and item rows, deposit tracking, and a guest-count multiplier. Free walkthrough plus Excel template at $12.
How to Plan a Yearly Budget in Google Sheets (6-Step Walkthrough)
How to plan a yearly budget in Google Sheets, step by step. Covers seasonal expenses, irregular income, the 12-month grid layout, and a worked example for a family.
Free Monthly Budget Template for Google Sheets (2026 Edition)
The best free monthly budget templates for Google Sheets in 2026. Includes Google's built-in template, three Reddit favorites, and when free runs out of room.
How to Build a Budget That Actually Works
A 7-step guide to building a budget you'll actually stick to. Start from real spending data, set realistic targets, build in flexibility, and choose from methods like 50/30/20 or zero-based budgeting.
Spring Cleaning Your Finances: Annual Tasks to Complete
An annual financial spring cleaning checklist - verify beneficiaries, audit subscriptions, review credit reports, shop insurance rates, and organize documents. Prioritized by impact with time estimates.
When to Switch Budget Templates
7 signs your budget template isn't working anymore - and how to switch without losing historical data. Includes a template recommendation guide based on your situation and budgeting style.