![]() If you do not have accurate records of your spending and income in one place, a good place to reference is your bank account. First you will need to look at all of your financial records.How to Use the Household Monthly Budget Template Keeping track of projected and actual expenses on a monthly basis gives you a better understanding of where your finances stand allowing you to decide on cuts where necessary and get out of the paycheck to paycheck loop. ![]() This monthly household budget worksheet is free to download, customize, and easy to use. The FREE Household Monthly Budget Template can assist in tracking income and expenses, by dividing both into categories. Once the money from one category has been spent for the month, spending in that category needs to be put on hold until the next month. It is important to manage income versus expenses on a monthly basis and limit the household to a budget. By downloading the Household Monthly Budget Template from, it is much easier to manage your hard earned money. Most people understand that they should be living off of a budget but doing this in your head will not be sufficient. This means that in the face of a family emergency, most households would not have an emergency fund to rely on. A majority of the US population lives paycheck to paycheck, meaning that many people are living beyond their means.
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