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

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 computer or laptop you may access for free or can download a management software such as Microsoft Money to help design your free printable budget sheet.

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, utilities, taxes, and any repairs.

Step4
Car expenses include loan payments, gasoline, insurance, and maintenance make up the next category on your budget sheet.

Step5
Debts include any creditors 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 household budget worksheets, then total your monthly
expenses for each category, and subtract to get your net income balance at the bottom.