When it comes to getting your finances in order, it all starts with a budget. If you're trying to save some dough, it's vital you have a budget and stick to it. A budget highlights where your money is going, what t's being spent on, on how you can cut down.

Set aside one night to clear the dining table and sit down with all your bank statements, pay slips, and major bills. Then it's just a matter of jotting down everything you spend money on. Including the morning coffee, the packs of gum. Everything.

Use the Kochie Budget Template to fill in your income, expenses, and find out where your money's going and how much you should have to put towards savings.

Download the Excel version here and get started!

Just fill in the spaces and your household budget will be ready.

Check out this previous post for more tips on putting together a household budget .

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-2 #72 Naveen 2012-11-02 14:32

Nice one...Thank you..:)

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+1 #71 Monique 2012-10-19 14:58

I downloaded this and saw this and will use it. I just got out of school and am starting my life over and needed much help budgeting! Thank you very much!

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-1 #70 rohit 2012-09-23 12:53

Efficient template!!! Now I can predict my savings..

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+10 #69 Ricko 2012-09-02 05:34

It's good - comprehensive listing of the typical household expenditures.
A suggestion for improvement - This could be broken down into a twelve month budget that would make it easier to see exactly when expenses are going to come up (like what you would do with a budget for a business).
Instead of 1 column for 'AMOUNT' break this down into 12 columns to represent the months o the financial year, starting with July and ending with June. If you're really lever, add in an extra 12 (1 next to each of the existing columns) to show actual spend versus projected spend. This will help with projecting next years budget and will show where there may be extra savings or extra costs.

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+1 #68 john henry 2012-09-02 04:07

Hi
Thanks for sharing these useful resources. I am grateful because I really want to find a info which I can customize and use all the time.

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+2 #67 Valerie 2012-07-08 17:01

Thank you so much for your template.
I have downloaded and using it.

Thank you

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0 #66 daniel poole 2012-06-26 06:52

thanks kichie, your template was very helpful and handy. now i have a digital copy i can stick it on my server so i always know where it is.
so easy to use

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+4 #65 Kirsty 2012-05-30 10:10

Koshie. This template is awesome. The only thing I can fault is that I cannot update it to my own figures without the product key. It will not let you copy and paste onto my own excel. Help please

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+3 #64 Yosmary 2012-05-18 23:07

Very Easy to use. Thanks for this

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0 #63 Hillary Smith 2012-05-07 11:07

awesome! thanks for this. will come in handy.

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