FREE 23+ Sample Monthly Budget Templates in Google Docs | Google Sheets | Excel | MS Word | Numbers | Pages | PDF

A monthly Budget Templates can be used to represent your monthly plan of how you are going to use your incomes. It breaks down the income you expect and the expenditures you may incur. The budget acts as a guideline to help you estimate the things or activities you can comfortably handle without taking loans.

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Why it’s Important

Monthly budgeting is crucial because it allows you to focus on the important activities that you can comfortably sustain. The budget ensures that you do not fall into debts and that you are able to take up tasks that you can afford. It accounts for every penny that you earn and spend.

The Uses

The main purpose of a Budget Templates is to help you balance your earnings with what you spend them on. If you find that you spend more than you are earn, then you need to check what is making you spend more and cut it down. Spending less than you earn leaves you with surplus which you can use to invest every month.

A good monthly budget should ensure that you have monthly surpluses that you can save. It gives you a projection of the yearly expenditure and the savings. Getting into debts in a particular month will make you revise your budget to avoid the debt accumulating.

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