How can I include all 4 categories of budget planning on my budget template so that I have a zero-based budget? (ie. What are my/our personal priorities – not those outside your household – this is your budget plan.Do I already have at least one of each chequing and savings account set up?.Am I making my budget plan for just myself, or with a partner?.Am I more likely to use debit for daily spending, or cash, or a combination of both?. When I make any successful plan, do I typically do better with paper and pen, or something more electronic? Would I do better with a budget app for my phone, or a budget spreadsheet that will do the math for me?. Questions to ask yourself about what you want in a monthly budget planner With the options presented here, we will show you various budget sheets and planners to take control of your monthly and yearly budget plan, AND help you find a way to personalize it. A monthly budget plan is something that will benefit you long term, as you will be able to control your finances and spending.Įven if there is very little “fun money” left at the end of the month, you have been on the “roller coaster” of pay-to-pay survival long enough! If you want to feel more in control, you need to plan ahead. Whatever word you choose, you do need to find or create a system of managing your resources and expenses that works for you. Check out this podcast and find out how you can budget your way through rising costs.Īnything successful involves a plan, but sometimes the word “budget” turns people off. You need to control the money, or it will control you.īudgeting can be a challenge in times of high inflation. The success of your budget will be seen in having less stress, less guilt, and even improved relationships. Although rarely “fun”, it is certainly satisfying when it becomes successful.Ī good budget does not have to be about penny-pinching and saying “no” – it is about making good decisions about your present and future spending priorities, and then, making sure it works for you! Your budget plan (or spending plan) is the method you use to make sure that expenses do not exceed income, and that future commitments can be met.
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