How to Create a Basic Household Budget Form That Works for You

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Budgeting is a pretty consistent buzzword in the world of personal finance — but there’s a good reason for that. Your budget is the financial foundation you need to build to learn how to manage your money before you begin pursuing other financial goals. And creating a budget can help you reach a wide number of your financial goals, too. From saving for a down payment on a new home to paying off debts like student loans, a budget is an amazing tool to help you plan out and track (or even minimize) your spending. After creating a budget, you may be surprised to see where your money’s going — but you’ll be glad you found out.

We’ll show you how to get started with budgeting by creating a form that breaks down your finances into different categories for housing, transportation, utilities and more. Think of this as your go-to guide to creating a basic household budget form. When you make it a habit to use this household budgeting worksheet, you’ll be one step closer to reaching your financial goals.