Here is an easy way to manage your finances by creating free printable budget sheets that are user friendly and versatile.

Things You’ll Need:

* laptop or home computer
* financial software like Microsoft Money
* calculator
* printer
* need to know your expenses, debts, income

Step1
If you have a household laptop or personal Mac or PC, you may access for free or can download a management software such as Microsoft Money to help design your free printable budget sheets.

Step2
Design your budget worksheets around 6 main categories:
1. Total Monthly Gross Income
2. Monthly Housing Expenses
3. Monthly Car Expenses
4. Monthly Debts
5. Monthly Miscellaneous Expenses
6. Total Net Monthly Income

Step3
Household expenses should include rent or mortgage insurance and payments, utilities, taxes, and any home repairs.

Step4
Car expenses include auto loans, , gasoline, auto insurance, and maintenance make up the next category on your budget sheets.

Step5
Debts include any creditor loans and monthly balance you choose to pay make up the next worksheet category.

Step6
Next list any Miscellaneous expenses are any other expenses such as:
-childcare/school
-clothing, groceries
-entertainment, cable, videos, newspaper, magazines
-medical, vet
-clubs, association dues
-investments, life insurance
-vacation, gifts for holidays
-haircuts, nails, etc.

Step7
Figure total monthly income at top of your printable budget sheets, then total your monthly expenses for each category, and subtract to get your net income balance at the bottom.