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Budget Excel Spreadsheet Free Monthly Template Worksheet Printable

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Step 3: Set your goals. Before you start sifting through the information you’ve tracked, make a list of all the financial goals you want to accomplish in the short_ and long_term. Short_term goals should take no longer than a year to achieve. Long_term goals, such as saving for retirement or your child’s education, may take years to reach. Remember, your goals don’t have to be set in stone, but identifying your priorities before you start planning a budget will help. For example, it may be easier to cut spending if you know your short_term goal is to reduce credit card debt.

Step 4: Make a plan. Use the variable and fixed expenses you compiled to help you get a sense of what you’ll spend in the coming months. With your fixed expenses, you can predict fairly accurately how much you’ll have to budget for. Use your past spending habits as a guide when trying to predict your variable expenses.

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