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Weddinganning Budget Worksheet Free Pdf Spreadsheet Template

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Envelope Budget: An envelope budget is a budget where you assign money to each category and deal with cash for several of your expenses. You take the cash out for each month and put the money into different envelopes labeled for the category. When you run out of money in that category, you stop spending. This is a good strategy if you are not good at tracking your expenses. Most people still pay their bills online through their checking account. In order to make this work, you cannot use your debit card for the categories that you have envelopes for.

Once you have a list of your expenses and your income, you will need to compare the two numbers. Your expenses should less than or equal to your income. If you have additional money after you plan your budget, you can add it to the categories for your financial goals like getting out of debt or building an emergency fund. If you have more expenses than income, you will need to find ways to cut back on your expenses. Start by cutting money from your categories in the luxury section of your budget. You can also work on ways to increase the amount you earn.

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