Free Interactive Budget Calculator Spreadsheet for Canadians – Easy to Use Excel Template to Help You Create a Personal Budget To make budgeting easier for you and your spouse, family or household, we’ve created an intelligent, interactive Canadian budget calculator spreadsheet in Excel that you can download and use for free as your personal budget template (it's now available on the Mac too). Many people put off creating a household budget because they think that they don’t really know how to budget.

1. Trip Planner Template For Word

Maybe you’re one of them. If you have doubts about how much to spend on certain expenses, aren’t sure if you did your budget right, or want help planning your monthly budget so that you can manage money better, this is the! Features of Our Free Budget Worksheet and Calculator If you don't have Microsoft Excel, you can and then download the file below: You can also download the calculator spreadsheet on the Mac and open it in Numbers: Our free budgeting worksheet will help you manage your money better. The features of the calculator include:. A calculator spreadsheet that is smart and interactive, to guide you through the budgeting process.

User-friendly, even if you don’t really know how to use Excel. Simple, helpful graphs let you see your monthly spending in a whole new way (just in case you're not a numbers person). Provides guidelines for how much to spend in each category of your budget.

This allows you to compare your spending to what's 'normal'. Clear graphs, dollar values and percentages so that you can adjust things as you go. Stand-alone Excel or Open Office file keeps your information private on your own computer. It does all the math for you. Drop down menus let you tell it whether each expense occurs weekly, monthly, annually, etc. Keeps a running tally of how much you’re planning to spend versus your income. Identifies common budgeting pitfalls and offers tips and solutions to fix them.

If you want to reduce your expenses, it can suggest dozens of places where you could consider reducing your expenses to save money. Easy to use with more personalized expense categories than other similar templates What Does a Normal Personal Budget Look Like? Budgeting and money management guidelines for after-tax income and to avoid debt There’s no such thing as a “normal” budget, but based on tens of thousands of credit counselling appointments, we’ve been able to create Canadian guidelines for how people will generally want to spend their after-tax income to avoid getting into debt. Everyone allocates their money for personal or household expenses and savings a bit differently. This free spreadsheet includes our very popular budgeting guidelines so that you have an idea about how your spending compares to that of other Canadians with similar sized households. Use the Savings Calculator to Plan for Annual, Emergency and Unexpected Expenses to Avoid Debt A savings calculator is built right into the worksheet so that it’s easy to see the amount of money you need to set aside for annual, emergency and unexpected expenses. Expenses that you don’t expect, or which don’t occur on a monthly basis, can cause you to reach for a credit card.

Then it can feel like your spending plan is off track as you try to get out of debt. Using the spreadsheet will help you identify the different types of expenses that you need to plan for and what to save for each. It will also help you learn where to trim your spending so that you have the money to set aside in savings for short term goals and long term plans. Free Online Budgeting Apps & Tools – Track Your Expenses to Make Money Management Easier If you’ve searched for free online budgeting apps and tools, you’ve likely discovered that there are some great tools available to help you plan your spending and track your expenses.

Trip Planner Template For Word

However, if you are worried about divulging too much information about your spending, or are hesitant to allow an app read-only access to see your bank account transactions, you are not alone. Depending on your financial institution’s debit card holder agreement and electronic banking terms and conditions, you may be in violation of your agreement if you disclose your passwords and PINs to a third party. Using our spreadsheet will not put you in violation of your banking agreements. Excel Personal Budget Template Is Secure Our free Excel personal budget template is as secure as you make it. It’s up to you to download it, use it on your laptop, PC or Mac, and save it securely. You do not need special permissions to use the spreadsheet nor do you need to allow it any access to your bank account. It is easy to use even if you don’t really know how to use Excel.

Free Excel Budget Calculator Spreadsheet for Canadians – Personal Help to Create a Budget and Deal with Debt As you fill in the free Excel budget calculator spreadsheet, tips will alert you to areas of your spending plan that may be cause for concern. If you would like personal help from a qualified, professional Credit Counsellor to balance your budget and deal with debt, contact a in your area today. Additional budgeting resources. Related Topics We offer 5 free, online budgeting workshops to help you learn to budget successfully. Learn how to put together a spending plan and manage your money better.

A simple step-by-step guide to easily create a spending plan for your money. If you have income that fluctuates throughout the year, budgeting can be very difficult. One of the biggest secrets to a successful budget is tracking your expenses Are you looking for confidential, non-judgmental help to get your finances back on track? Getting an amazing credit score isn't as hard as you might think. One of the biggest secrets to saving money is to create and follow a spending plan.

Road Trip Budgets The Ultimate Road Trip Budget Planning Tool Book Owners: get your Instantly become an a prepared traveler with this budget calculation worksheet. Manage your money during your trip so that you can stay on track with your financial goals!

Function:. Potential sources of revenues for your trip are identified and added to the calculations. The expense side of the worksheet identifies over 50 potential expenses that should be considered in planning your trip. Not everything will apply to every situation, but many things are identified to trigger your own thought process when considering your own trip. Gasoline calculator included How it works:. Formulas are already created to make it easy to 'fill in the blanks' and get started on your own budget. Flexibility to add your own items that may not be already in the spreadsheet.

This simple yet powerful analytical tool allows travelers to quickly, objectively and logically make rational spending decisions. Easy to use and understand. Intuitive interface. Requires Microsoft Excel 97 or higher. Windows and Mac Compatible. If you purchase or have purchased a book already, you are entitled to a free download of the Road Trip Budget worksheet. Just the state where the picture on page 115 (first edition) or page 130 (second edition) was taken and you will receive the free budget worksheet with in 2 business days.

Excerpt from the Book Once you get past the “dream” stage, the first serious issue that faces all of us is how do we afford to do this? Biasin musical instruments jam 96k for mac. The attached budget worksheet gives you some tools and thought processes that we used to think through the financial considerations. These ideas are, of course, not the only road to success, but certainly ones that worked for a couple of compulsive list makers with bad memories. This trip is most likely done by someone who has already retired, but that is not the only way to make it a reality.

We started contemplating the idea well before retirement. What you do need, of course, is a source of funds for the year. If you are retired, you can utilize the same dollars you are spending today at home – just using them on the road instead once you have eliminated your expenses at home – the book tells you how. If you want to do this before retirement (and we would encourage you to do that), then you are probably going to have to come up with a combination of funding sources as well as the time to make this happen.

The sources can be retirement income, savings/investments, working on the road, proceeds from a house sale, or, how about a paid sabbatical? There is an excellent book on the market called Six Months Off by Dlugozima, Scott & Sharp that explores ways to finance extended trips without going broke. A seminar by one of the authors is what got us going on making our dream a reality. Another braver idea, if you are really intent on doing this now, is to take out a loan and consider this an investment in your future.

We guarantee that you will come back vastly enriched from the experience and with an understanding of this country that can’t be gleaned any other way. Even if you are retired, you will naturally still need to review your own monthly financial situation and your desires for a trip of this type.

Our goal with this budget worksheet is to help you think through the myriad of potential expenses and sources of revenues that might apply to your household. Your job is to think through your own situation and decide which ones apply to you and which sources of funds are most applicable to your situation. We always welcome your feedback on this tool to help us make it more useful. Have fun – you’ll soon be on your way to planning your own trip of a lifetime.