Define your financial world so you can build an effective budget.

At Consolidated Credit, we believe the right tools can save you time and hassle when it comes to managing your money so you can avoid problems with debt. With that in mind, we provide the worksheets below to help you create a budget so you know where your money is going.

You can use the worksheets to categorize your transactions and define your expenses as your build your budget. If you’re having trouble setting a limit for your monthly expenses, try taking an average of the past three months. For bills, always choose the highest amount that you pay in a year as the target expenditure in that category, so you know you’ll always have enough money to cover your bills.

And remember, a budget shouldn’t be set in stone – your numbers will change as you and your family grow. With that in mind, you should review your budget numbers often to make sure you’re on the right track. If you find you’re regularly overspending on a certain type of expense, you may need to adjust your target expenditure in that category. At the end of the day, as long as you’re spending less than you earn with money left over for saving, then you’re on the right path.

If you’re having trouble getting your budget to balance or too much debt is eating away at your income, we can help. Call Consolidated Credit today at 1-888-294-3130 for a free consultation with a certified credit counselor or ask for help now through our online application.