Personal Budget

This Personal Budget Template let's you plan your budget for an entire year. My article How to Make a Budget explains how to use this budget template to keep track of expenses from month-to-month so that you can figure out an average for each expense category.

I use this type of budget spreadsheet because it lets me include annual or semi-annual payments during the specific months that they occur, as well as special times of the year like back-to-school shopping, Christmas, birthdays, etc. It's basically a personal 12-month projected cash flow and is very useful for planning for future large purchases or major events (like moving, marrying, kids, school, etc.)