![]() There is also a link at the end to a Google Sheets file that you can download or copy for your own use. This is a template, not the perfect budget.This template is designed to help you keep spending under control while also keeping your long-term goals on your radar.If a system is too complex, it is more likely to be abandoned. I like to keep things simple for ease of use and maintenance. You may think that certain categories should be broken out into more detail. ![]() There are a few things to note for context: So I'm sharing the budget template I use with my clients to help them get started. When you're setting up your budget for the first time, it can often be intimidating to stare at a "blank sheet of paper" trying to come up with your budget categories. Whether you are using YNAB or something else, it’s vital to get your budget categories set up in a way that helps you make progress toward your goals. It means setting up detailed categories in order to make intentional decisions about where your money goes. YNAB uses a zero-based budgeting approach, which means every dollar gets a “job” to do. As a YNAB Certified Coach, I often help my clients build and maintain a budget that keeps them on track toward their goals. Personally, I’m a fan of zero-based budgeting using a tool called You Need a Budget (YNAB). There are many ways to budget, including:ĭifferent methods work for different people. If you get really good at budgeting, every other aspect of your financial life gets better.
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