Budgets don't have to be complicated to be effective. A simple budget can go a long way towards helping you get your finances in order. Download our simple budget and get started right away!

Budgeting is good for you, but often we don’t do it. There’s a big reason why most budgets fail, but close to the top of the list are all the complicated tools people use for budgeting.

Some exercise is better than none. And a simple budget is better than none.

Whether you are just learning to budget or you don’t need or want all the bells and whistles of fancy software or online budgeting tools, I give you my Really Simple Budget Worksheet.

What is the Really Simple Budget Worksheet?

The Really Simple Budget Worksheet is a one page form that asks for your monthly income and monthly expenses grouped into just a handful of categories. Unlike some budget tools, this worksheet doesn’t need to know how much you spend on coffee in the morning, beers at the bar, fast food lunches and fine dining. It groups them as dining, travel and entertainment.

The simple budget spreadsheet is an easy one page budget for Excel.

Although there is some value in seeing how much your coffee or lunch habits add up to every month, it takes a lot of time to track—time most of us would rather spend in other ways. The Really Simple Budget Worksheet lets you figure out a budget in a few minutes and get on with life.

The worksheet is available as a PDF (for printing) and Microsoft Excel:

More Budgeting Options

This simple budget might be the perfect introduction to budgeting for some, but might not be enough for everybody. Check out my original free budget spreadsheet, my list of free and premium online budgeting tools, or J. Money’s roundup of the best free budget templates from around the Web.

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About the author

David Weliver
Total Articles: 304
David Weliver is the founder of Money Under 30. He's a cited authority on personal finance and the unique money issues he faced during his first two decades as an adult. He lives in Maine with his wife and two children.