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Utilities like power, phone and internet.

Food including groceries and restaurant meals.

Variable expenses may change from month to month and can include:

Memberships such as gym and streaming TV services.

Loan payments, including those for student and personal loans.

This is the exact monthly budget spreadsheet we use.

Transportation such as bus and rideshare services Ben and I are INSANE about our budget and like everything to be organized and planned to perfection.

Through the years, the term budget has gotten a negative connotation to mean limiting expenses or pinching pennies but that’s not all there is. Rent, mortgage and homeowner association fees A household budget template is an itemized list of your family’s expected expenses and income to help you plan how to use or, and to keep track of your habits.A bill calendar could help keep track of those.Įxpenses on your spreadsheet can be broken down even further into fixed expenses and variable expenses.įixed expenses remain generally consistent each month but can have small fluctuations depending on usage. Those can include your monthly expenses, plus your bills that aren’t due on a monthly schedule, like annual personal property tax. They can also be broken into subcategories.

Family budget spreadsheet