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Financial Planning Worksheet for Money Management

When it comes to planning your future financially, it might be difficult to know where to begin. You don’t have to start completely from scratch! As a non profit credit counseling agency, ACCC has a plethora of financial education materials, including various financial planning worksheets. Here area few worksheets to help you start managing your money!

ACCC has the right financial planning worksheet for your needs!

ACCC has the right financial planning worksheet for your needs!

Household Budgeting Worksheet

A budget is the cornerstone of financial health. Budgets don’t have to be complicated or intimidating. The purpose of a budget is to ensure you are not spending more money than you make every month. It should include all sources of income and all your expenses every month. If you’re spending more money than you’re making, you have two options. You can either find ways to make more money, or you can find areas of your budget to cut spending. You could do a combination of the two as well.

To get started, check out our household budgeting worksheet. This is the financial planning worksheet you should start with if you are just starting out!

Daily Expense Tracker

This worksheet helps you track your daily spending. It’s easy to forget about the little purchases here and there – but very surprising to see the total accumulation at the end of the month. If you stay on track, great! But if you find yourself surprised by your credit card balance, you can use this tracker to see where you might want to cut back. 

Financial Community Guidelines

Housing, transportation, and insurance are substantial expenses to be accounted for. This budgeting worksheet lets you calculate and compare your spending to the financial community guidelines. 

Bill Paying Worksheet

Keeping track of your different bills and their due dates can be tricky, especially if you’re a beginner at managing your finances (i.e. being out on your own after graduating college). Sure, it’s a  learning curve at first, you’ll feel more organized with this bill paying worksheet!  You’ll remember when and what bills are due. 

Other Budgeting Worksheets

Another helpful financial planning worksheet that comes in handy at the start of the school year is our back to school budgeting worksheet. This worksheet can help you track how much you spend on clothes and school supplies for your children.

Our holiday budgeting worksheet can help you stick to your holiday spending budget. This worksheet takes into account all the factors that go into holiday spending, not just gifts. It includes travel expenses, gift wrap/cards, donations, party items, and more to give you a more complete budget.

We also have more worksheets here, including our debt-to-income ratio worksheet and net worth worksheet. You’re not alone if you’ve ever felt overwhelmed by tracking finances, or even just bored. But you can take the mystery out of money management with our resources, and in the end, feel more empowered! 

If you’re struggling to pay off debt, ACCC can help. Sign up for a free credit counseling session with us today! 



Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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