Use Budgeting Tools to Prepare a Budget

The following budgeting tools are available to help you prepare a personal budget:

1. Income and Expenses Worksheet

This budgeting tool will help you to list all your income and expenses so that you can anticipate and plan for both your needs and personal savings goals. See our Sample Budget Worksheet.

2. Daily Spending Diary

This budgeting tool will help you to see where you are spending your flexible income in order to plan for and/or make adjustments to your personal financial habits.


Use Budgeting Tools to Maintain a Budget

The following budgeting tools are available to help you maintain a personal budget:

1. Monthly Payment Schedule

This budgeting tool will help you maintain a budget by recording financial responsibilities, amounts, and due dates in sequential order.

2. Monthly Payment Calendar

This budgeting tool will help you to maintain a budget by recording financial responsibilities, amounts, and due dates on a calendar.

3. Expense Envelope System

This budgeting system will help you to maintain a budget by distributing your income inside envelopes that represent your financial responsibilities.

4. Budget Box System

This budgeting system is helpful if you pay your bills with cash each month.

5. Computer System

This budget system will help you maintain a budget by setting up a spreadsheet on a personal computer.

Other Pages in this Section

Budgeting Tools
Sample Budget Worksheet
Evaluating and Reviewing your Budget