Free Expense Worksheets – Family or Business
Spreadsheet Templates for Business Budgeting, Family Monthly Budgets
Oct 26, 2009
Hundreds of ready-made budgeting spreadsheets are available for free online. Which one to use depends on many factors. Some are created for single individuals, while others are clearly tailored for households with children. Yet others are specifically for businesses.
Free Expense Worksheets
Microsoft offers sample files for many of its computer applications on its website, Microsoft.com. Anyone looking to leverage Microsoft Excel to create a simple business budget or family monthly budget can find free sample spreadsheet templates on Microsoft.com.
Below, find links to three articles that profile free sources of free expense worksheets. Two are for individual households while the third example spreadsheet is for businesses.
Family Monthly Budget Tool – Free Microsoft Excel Household Budget Spreadsheet
Individuals can download pre-populated family monthly budget templates directly from the Microsoft website. The one entitled “family monthly budget planner” is perfectly suited for household budgeting purposes. The file is pre-populated with expenses commonly incurred by a typical family with children. This spreadsheet template is compatible with Microsoft Excel versions 1997 or later.
Sample Monthly Expense Spreadsheet – Free Budget Worksheet Example
Another spreadsheet template available on the Microsoft website is profiled in the article Sample Monthly Expense Spreadsheet. It is similar to the family budget template linked above, but does not have children-related expenses; therefore, this budgeting worksheet is more appropriate for households without children.
Also included in the article above are tips for projecting income and expenses for budgeting purposes and guidelines for creating a very strict budget.
Example Monthly Business Budgeting Worksheet – Download Microsoft Excel Template
Every business owner or manager should keep tabs on business expenses. An easy way to get a quick handle on business expenses is to employ a Microsoft Excel budgeting template.
In the article Sample Monthly Business Expenses Spreadsheet, find a link to a free business budgeting worksheet. Users simply need to input budgeted and actual amounts, and the spreadsheet will quickly point out areas of surplus or deficit.
Way to Balance a Personal or Business Monthly Budget
Business and family budgets operate on the same principles. If the family or business is incurring a deficit at the end of each month, quarter, or year, the only way to reverse that trend is to alter the inputs.
Businesses and families can try to balance their budgets in two ways:
- Increase Income – Put simply, try to make more money. If the bottom line shows a negative amount at the end of the period in question, making more money will help bring the budget back in balance, assuming costs don’t increase proportionately with income.
- Reduce Expenses – Many types of expenses are open to negotiation. In the case of businesses or individual families, shopping around to reduce cell phone bills, utilities, and rent may be an option. Some expenses can be cut entirely, namely discretionary expenses. For families, this may mean cutting out entertaining costs like eating out or going to the movies; for businesses, this could mean re-evaluating employee benefits and office perks or amenities.
More Example Excel Spreadsheets for Personal Budgets, Business Budgeting
Use one of the free sample spreadsheets profiled in this article to quickly set up a personal or business budget, then use the tips noted above to figure out ways to balance monthly income and expenses.
For other free business budgeting worksheets and personal budget templates, visit office.microsoft.com/en-us/templates.
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