Budgeting is an absolute necessity when it comes to financial health.
But a lot of budgets are hard to use or too cumbersome to navigate.
Check out our simple budget!
This budget helps us keep track of everything that goes on here on the homestead!
You’ve tried a million budgets but none seem to work? This budget helped us to pay off $41k in debt in less than 18mo!
This simple budget allows you to put your paychecks and deduct the bills before the money every leaves your account.
Gone are the days of balancing a checkbook and praying there’s enough money left over to get groceries.
Stop living paycheck to paycheck
The biggest issue with how we handle our money is that most of us were never taught how to! This budget is so simple and easy to use that you can fill it out for an entire 12 months and change it as you need to.
Get your debt paid down
In order to buy our homestead, we had to pay down a fair amount of debt. I sat d
Set goals and smash them!
How This Simple Budget Was Created
In November of 2018, I sat down with a pile of debt, late payments, the threat of repossession of my car and said ENOUGH!
I had lost my job earlier in the year and still hadn’t replaced that income completely and steadily. Throw in a surgery and emergent move and we were lucky to be treading water.
I looked at Jared and said, “I’m not doing this anymore” and the simple budget was created.
It took me a month to solidify all the moving parts of that budget, get goals in place and get everything ironed out.
For the last 4 years I have used this budget and not only stayed out of debt, but we have been able to make every single dollar count.
How To Use The Simple Budget
Well, as the name suggests it is very simple. First, make a copy of the Google Sheet. Then, you simply list out all of your bills and due dates into the master bill list. Then you list your paycheck date and amount (it can be estimated), and then start deducting bills. It’s very, very simple!