[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/budgeting-help_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_right” background_position_phone=”center_right” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Budgeting\u00a0<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Building your household budget.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”#financial-edu-form” button_text=”Get in Touch” button_alignment=”center” disabled_on=”on|on|off” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][et_pb_button button_url=”tel:1-888-527-8999″ button_text=”1-888-527-8999″ button_alignment=”center” disabled_on=”off|off|on” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” module_id=”uperform-section” _builder_version=”4.21.0″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||135px|||” custom_padding_tablet=”||117px||false|false” custom_padding_phone=”||74px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_popup_slug=”uperform-section” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.22.0″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.19.5″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n
The Best Way to Create a Monthly Spending Plan in 6 Steps<\/p>\n
Building a household budget for the first time isn\u2019t as hard as you might think. There are many methods you can use to create a family spending plan, but following a step-by-step guide is the best way when you\u2019re just beginning to learn how to manage money effectively. Here are 6 steps that you can quickly read through and start on right now to build a budget that works for you and your family.<\/p>\n
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Before you build your family budget, it\u2019s important to have specific goals in mind. This will help you focus your efforts, make the right decisions, and stay motivated to stick to your budget. A practical budget goal should be challenging yet realistic; you should also give yourself a deadline to reach it, though it\u2019s also okay to give yourself extensions later. Here are some examples of financial goals<\/a> you could set:<\/p>\n You\u2019ll notice that deadlines and specific amounts are missing from those examples, and that\u2019s because only you can set those for your situation. No goal is better or worse than another. All that matters is prioritizing what\u2019s important to you. Challenge yourself, but work at your own pace. Remember that if your situation changes, you can always change your goals along with it.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2024\/02\/budgeting-101-webinar-workshop-promo-purple.jpg” alt=”A promotion for our budgeting 101 online workshop webinar about 7 steps to budgeting.” title_text=”Learn how to budget well” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.27.4″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”20px||-35px||false|false” custom_margin_phone=”60px||-45px||false|false” custom_margin_last_edited=”on|phone” border_radii=”off|20px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][et_pb_button button_url=”\/financial-education\/financial-workshops-webinars\/workshop-webinar-topics\/making-cents-of-money-budgeting-101″ button_text=”Learn More” button_alignment=”center” _builder_version=”4.27.4″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_use_icon=”off” z_index=”1″ custom_margin_tablet=”70px||||false|false” custom_margin_phone=”70px||||false|false” custom_margin_last_edited=”on|phone” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#FFFFFF” admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#e4f8e0″ custom_margin=”||||false|false” custom_margin_tablet=”||-90px||false|false” custom_margin_phone=”||-70px||false|false” custom_margin_last_edited=”off|desktop” custom_padding=”50px||160px||false|false” custom_padding_tablet=”71px||162px||false|false” custom_padding_phone=”27px||144px||false|false” bottom_divider_style=”ramp2″ bottom_divider_flip=”vertical|horizontal” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||||false|false” global_colors_info=”{}”]<\/p>\n Once you have some practical goals in mind, it\u2019s time to figure out how money is flowing in and out of your household. You probably already know how much you earn each month and how much you might get from other sources (e.g. child tax credits, alimony or child support, investment income). But do you know where it all goes? The best way to figure where you spend your money is simply to track your spending for a month. Whether you\u2019re paying your mortgage payments, shopping online, or buying snacks at a convenience store, jot down every cent you spend into a single document. Doing this will give you a good idea of your overall spending habits, and you might be surprised by what you find out. To make the process even easier, use this simple money worksheet: our Monthly Expense Tracker<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=”on” module_id=”download-budget-calculator” _builder_version=”4.27.4″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” max_width=”900px” module_alignment=”center” custom_padding=”||10px||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n Track your spending using a simple Excel spreadsheet or print our easy to use Monthly Expense Tracker PDF. You can also explore both these options in more detail<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.4″ _module_preset=”default” max_width=”800px” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||5px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_blurb url=”\/wp-content\/uploads\/2020\/08\/Monthly-Spending-Tracker-4.xls” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/microsoft-excel_icon_green.png” alt=”Microsoft Excel Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” icon_alignment_tablet=”” icon_alignment_phone=”” icon_alignment_last_edited=”on|desktop” _builder_version=”4.27.4″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” custom_margin=”||0px||false|false” custom_padding=”0px||0px||false|false” animation_style=”fade” animation_duration=”2000ms” animation_speed_curve=”ease-in” animation=”off” link_option_url=”\/wp-content\/uploads\/2020\/08\/Monthly-Spending-Tracker-4.xls” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”96px” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/microsoft-excel_icon_purple.png”][\/et_pb_blurb][et_pb_button button_url=”\/wp-content\/uploads\/2020\/08\/Monthly-Spending-Tracker-4.xls” button_text=”Download” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||5px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_blurb url=”\/wp-content\/uploads\/2021\/08\/monthly-expense-tracker1.pdf” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/pencil-and-paper_icon_green.png” alt=”pencil and paper_icon_green” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” icon_alignment_tablet=”” icon_alignment_phone=”” icon_alignment_last_edited=”on|desktop” _builder_version=”4.27.4″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” custom_margin=”||0px||false|false” custom_padding=”0px||0px||false|false” animation_style=”fade” animation_duration=”2000ms” animation_speed_curve=”ease-in” animation=”off” link_option_url=”\/wp-content\/uploads\/2021\/08\/monthly-expense-tracker1.pdf” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”96px” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/pencil-and-paper_icon_purple.png”][\/et_pb_blurb][et_pb_button button_url=”\/wp-content\/uploads\/2021\/08\/monthly-expense-tracker1.pdf” url_new_window=”on” button_text=”Download” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_margin=”||||false|false” custom_margin_tablet=”||||false|false” custom_margin_phone=”||-70px||false|false” custom_margin_last_edited=”off|tablet” custom_padding=”10px||50px||false|false” custom_padding_tablet=”50px||||false|false” custom_padding_phone=”50px||50px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Overspending is a key reason why household budgets fail, so all of these steps help you avoid spending more than you make. With practical goals to work towards and knowing your living expenses, you\u2019re ready to prepare your budget. Your budget must do two things. It must prevent your fixed expenses from exceeding your monthly income, and it must align with your practical budget goals. You already know what your expenses are because you\u2019ve been tracking them. So here\u2019s the first budget maker question: Are you spending more than you earn? If you are, then review that master list of monthly expenses and cut it down until your total expenses match your total income. This will help you avoid using credit to make ends meet, which often leads to expensive debt problems.<\/p>\n Once your expenses don\u2019t exceed your income, ask yourself this second question: Do your expenses align with your budget goals? For example, let\u2019s say Rob\u2019s practical budget goal is to save for a down payment on a house. After reviewing his expenses, he realizes that his money is going more towards spending on vacations than it is saving on a down payment. If his main goal was to have vacations, then this would align with that priority. However, Rob\u2019s goal is actually to save for a down payment. Therefore, he adjusts his budget so that he\u2019s spending less on vacations and saving more for his down payment. Like our hypothetical Rob, review your own budget to see if your spending makes sense for your goals, and adjust accordingly. For an easy-to-use template that also works as a budget calculator, check out this Interactive Budgeting Spreadsheet<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=”on” module_id=”download-budget-calculator” _builder_version=”4.27.4″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” max_width=”900px” module_alignment=”center” custom_padding=”||10px||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n Below you can download our free, interactive, budgeting spreadsheet for the PC or Mac on Excel, OpenOffice, or Numbers (Mac only). It’s also a budget calculator that can help analyze your budget for you.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.27.4″ _module_preset=”default” max_width=”900px” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” custom_padding=”||5px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_blurb url=”\/wp-content\/uploads\/2020\/11\/Budgeting-Calculator-Spreadsheet-with-Guidelines-ver-1-61.xlsx” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/microsoft-excel_icon_green.png” alt=”Microsoft Excel Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” icon_alignment_tablet=”” icon_alignment_phone=”” icon_alignment_last_edited=”on|desktop” _builder_version=”4.27.4″ header_level=”h3″ header_text_align=”center” 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url_new_window=”on” button_text=”Download” button_alignment=”center” _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” custom_padding=”||5px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_blurb url=”\/wp-content\/uploads\/2024\/01\/CCS-Feuille-de-calcul-du-calculateur-budgetaire-1-571.xlsx” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/microsoft-excel_icon_green.png” alt=”Microsoft Excel Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” icon_alignment_tablet=”” icon_alignment_phone=”” icon_alignment_last_edited=”on|desktop” _builder_version=”4.27.4″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” custom_margin=”||0px||false|false” 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_module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_blurb url=”\/wp-content\/uploads\/2020\/08\/Budgeting-Calculator-Spreadsheet-with-Guidelines-1-25-ods.ods” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/openoffice_icon_green.png” alt=”OpenOffice Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.27.4″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” custom_margin=”||7px||false|false” animation_style=”fade” animation_duration=”2000ms” animation_delay=”500ms” animation_speed_curve=”ease-in” animation=”off” link_option_url=”\/wp-content\/uploads\/2020\/08\/Budgeting-Calculator-Spreadsheet-with-Guidelines-1-25-ods.ods” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/openoffice_icon_purple.png”][\/et_pb_blurb][et_pb_button button_url=”\/wp-content\/uploads\/2020\/08\/Budgeting-Calculator-Spreadsheet-with-Guidelines-1-25-ods.ods” button_text=”Download” button_alignment=”center” _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_blurb url=”\/wp-content\/uploads\/2020\/08\/Budgeting-Calculator-Spreadsheet-MAC.zip” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/numbers_icon_green.png” alt=”Numbers icon purple” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||4px|||” animation_style=”fade” animation_duration=”2000ms” animation_delay=”1000ms” link_option_url=”\/wp-content\/uploads\/2020\/08\/Budgeting-Calculator-Spreadsheet-MAC.zip” global_colors_info=”{}” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/numbers_icon_purple.png”][\/et_pb_blurb][et_pb_button button_url=”\/wp-content\/uploads\/2020\/08\/Budgeting-Calculator-Spreadsheet-MAC.zip” button_text=”Download” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” prev_background_color=”#FFFFFF” admin_label=”Section” _builder_version=”4.27.4″ background_color=”#E4F8E0″ custom_margin=”||0px||false|false” custom_margin_tablet=”||-120px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”2px||60px|||” custom_padding_tablet=”0px||180px||false|false” custom_padding_phone=”0px||169px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”156px||8px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” link_text_color=”#2AD13D” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”#2ad13d”]<\/p>\n Cutting down spending to balance your budget is easy to say, but it can be hard to do if you don\u2019t understand the relationship between needs and wants. Which expenses should be reduced or cut, and which should be kept? This depends on your specific situation and money goals. However, here\u2019s a quick trick: whenever you\u2019re unsure about a particular expense, ask yourself if you need <\/em>it, or just want <\/em>it. Do you need<\/em> to eat out 3 times a week because you don\u2019t have time to make home meals, or do you just want <\/em>to do that? Do you need <\/em>to buy a new car, or do you just want <\/em>one when a more affordable used vehicle would suffice? When balancing your budget, remember that it\u2019s easy to think that a want<\/em> is actually a need<\/em>. If this is what you\u2019re having trouble with, start by reducing an expense by 50% and see how it goes. Ultimately, you want to help prevent making purchases you\u2019ll later regret<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” background_color=”rgba(91,37,175,0.15)” custom_margin=”||||false|false” custom_padding=”||50px|||” custom_padding_tablet=”30px||||false|false” custom_padding_phone=”1px||||false|false” top_divider_style=”ramp2″ top_divider_color=”#E4F8E0″ top_divider_height=”200px” top_divider_height_tablet=”150px” top_divider_height_phone=”100px” top_divider_height_last_edited=”on|phone” bottom_divider_height=”150px” bottom_divider_flip=”horizontal|vertical” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row make_equal=”on” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”80px|auto||auto||” custom_padding=”30px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Tracking your expenses for a month will have given you a good idea of your regular spending habits. However, it may not cover the irregular expenses that every personal and family budget plan also has to deal with. Variable expenses can include clothing, school fees, annual memberships, Christmas shopping, new tires, etc. To prevent these costs from breaking your carefully crafted budget, make room for a seasonal and unexpected expenses<\/a> fund. For example, if your family budget lets you save $80 a month in this fund, then you\u2019d be perfectly ready for a $400 seasonal expense 5 months later without scrambling to find extra money in an emergency fund. Try to keep this separate from your emergency fund<\/a>, which is meant to help you through financial emergencies.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Section” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”140px||0px|||” custom_padding_tablet=”115px||||false|false” custom_padding_phone=”85px||30px||false|false” top_divider_style=”ramp2″ top_divider_color=”#e7dff3″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n If you finished all the previous steps, then congrats, you made a budget! Now it\u2019s time for the most important part of any plan: putting it into action. Ask yourself: Have I covered what I need (housing, food, utilities, transportation, etc.)? Have I factored in debt payments and put money aside in a savings account for unexpected expenses, savings, and the fun stuff? You might discover that some parts of your budget need to be adjusted as you use it. That\u2019s totally fine. Do whatever you need to fit the budget to your situation and your goals. This might include revisiting your expense tracking, reviewing your bank account statements, rebalancing where your money is going, adjusting your goals, or reflecting on your needs vs. wants. Let your budget grow alongside you and enjoy the feeling of making real progress towards your financial goals!<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” admin_label=”CTA 2 – Get started” _builder_version=”4.16″ background_enable_color=”off” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg” parallax=”on” parallax_method=”off” max_width=”100%” custom_padding=”280px||1px||false|false” top_divider_style=”ramp2″ top_divider_height=”180px” top_divider_flip=”horizontal” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|tablet” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row admin_label=”CTA Components” _builder_version=”4.16″ background_enable_color=”off” z_index=”0″ width=”60%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height=”500px” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”-6px|auto|-240px|auto|false|false” custom_margin_tablet=”||-170px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”||0px|||” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading Line 2″ _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.16″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” custom_padding=”||4px|||” animation_direction=”bottom” animation_duration_tablet=”1500ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”2000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n Building a budget can\u2019t be done overnight. And sometimes, despite your best efforts and reading every \u201chow to\u201d guide there is, you still need more help to create a personal budget that works for you and your family. Whether you want a paycheque plan to link your household spending to when you actually get paid, need help to figure out what to do about debt payments, or just need a simple monthly budget template so that you can avoid living pay cheque to pay cheque \u2013 let us help. Our counsellors have seen thousands of budgets and spending plans. Speaking with us is always free, confidential, and non-judgmental.<\/p>\n [\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Call Us” button_alignment=”center” _builder_version=”4.17.3″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][et_pb_text admin_label=”Extra Space” _builder_version=”4.16″ background_enable_color=”off” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|desktop” transform_translate=”0px|-350px” transform_translate_tablet=”0px|-380px” transform_translate_phone=”0px|-430px” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” z_index=”-1″ max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|tablet” min_height=”385px” min_height_tablet=”430px” min_height_phone=”470px” min_height_last_edited=”on|tablet” animation_style=”fade” animation_duration=”2000ms” animation_delay=”6500ms” hover_transition_speed_curve=”ease-in” transform_styles_tablet=”” transform_styles_phone=”” border_radii=”on|8px|8px|8px|8px” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Related Topics” _builder_version=”4.19.3″ background_color=”rgba(91,37,175,0.15)” z_index=”0″ custom_margin=”||||false|false” custom_padding=”70px|0px|100px|0px|false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”50px||0px||false|false” top_divider_arrangement=”above_content” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.27.4″ width=”70%” max_width=”1600px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/blog\/budgeting-saving\/how-to-pay-debt-off-quickly-proper-budgeting-tips” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/pay-debt-bills-quickly-canada_related_topics.jpg” alt=”pay debt bills quickly canada” title_text=”tips-to-pay-debt-faster” _builder_version=”4.16″ border_radii=”off|8px|8px||” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n A fatal flaw when paying off debt and bills is forgetting to budget. Here’s why and what to do instead.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/budgeting\/budgeting-guidelines” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/budgeting-guideline_related_topic.jpg” alt=”budgeting guideline” title_text=”budgeting-guidelines” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n A breakdown of categories for your budget and how much to spend on each type of expense.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/credit-counselling” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg” alt=”signing agreement with advisor” title_text=”credit-counselling” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n Are you curious about what credit counselling is or how it works? Here’s what you need to know.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” admin_label=”Related Article Swipe Cards | Mobile” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_code admin_label=”Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n\n
2. Track the Money Coming Into Your Household and Your Spending<\/h2>\n
Monthly Expense Tracker<\/h3>\n
Excel Expense Tracker Spreadsheet<\/h3>\n
Printable Expense Tracker (PDF)<\/h3>\n
3. Avoid Spending More Than You Make
Which Is Called Overspending<\/span><\/h2>\nDownload the Interactive Budgeting Spreadsheet<\/h3>\n
Microsoft Excel Spreadsheet (English)<\/h3>\n
Microsoft Excel Spreadsheet (French)<\/h3>\n
OpenOffice
(English)<\/h3>\nNumbers (Mac Only in English)<\/h3>\n
4. Understand the Relationship Between Needs and Wants<\/h2>\n
5. Make Room in Your Budget for Irregular Expenses<\/h2>\n
6. Put Your Home Budget Plan Into Action<\/h2>\n
How to Build a Budget that Works Every Time with a Paycheque Plan<\/h3>\n
Related Topics<\/h2>\n
Tips to Pay Debt Faster<\/h3>\n
Budgeting Guidelines<\/h3>\n
Credit Counselling<\/h3>\n