Everyone starts off budgeting with good intentions, but a budget only works if you stick to it. I’m sure you’ve heard the survey results and personal finance statistics that say only 41% of people follow a budget.
There are currently two different budget templates, one for a monthly budget and one for an annual budget. Both track your income and expenses and give you some pretty charts and graphs of your cash inflow and outflow using pre-set formulas.
For ultimate simplicity, the Federal Trade Commission published a 2 page fillable PDF that allows you to input your income and expenses by month.
There are dozens of budget spreadsheet templates available to choose from. Microsoft has something for everyone, whether you’re looking for a simple monthly budget tracker or a fancy budget workbook with multiple tabs and graphs.