![]() Some of the categories include housing, groceries, transportation, utilities, and dining and entertainment. Your expenditures will fall into a color-coded graph that gives you a percentage and visual on how much you’re spending in each category. Then you’ll use the budgeting categories to plug in expected expenses for the upcoming month. With this budgeting template, you’ll enter your paycheck amount and any additional money you have coming in. If you’re looking for a basic yet visually-appealing budget template, we really liked the Simple Budget Template from Apple. In fact, Apple has created 10 specific personal finance Numbers templates you can access. While the Kiplinger’s Budget Spreadsheet discussed earlier in this article does download as a CSV file (making it compatible with Numbers), there are better options Mac users. Best Template for Mac Users: Numbers’ Simple Budget Template In fact, their subreddit has over 135,000 members. The app has a very loyal user base with a dedicated community. Tens of thousands of people struggling with debt have turned to YNAB (short for “You Need a Budget”) to help get control of their finances. So, it’s by knowing that number that you can prioritize your decisions to meet your goal to become debt-free as fast as possible.Īpp to try: Opt for YNAB. Every financial decision should be about reducing that number. If you’re struggling to get out of debt, the number of months it’s going to take you to become debt-free should be your guiding light. Specifically, it shows you how many months until you’re debt-free. While the budget aspect of this template is simple, what’s powerful is what it outputs. We included a free budgeting and debt reduction template in our guide to getting out of debt, which can help you build your debt snowball. That way, you see quick results and feel like you’re making progress with each payment. ![]() With the debt snowball method, you’re paying off your debt in order of smallest to largest balance. See Also IT Support Engineer Resume Samples Best Resume Writing Service for 2022 16 Ways to Hone Your Problem-Solving Skills Email Blacklist: How to Know if You're on It (And What to Do)
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