Bi-Weekly Budget Spreadsheet

Bi-Weekly Budget Spreadsheet Instruction Manual

Regular folks usually get paid bi-weekly. Here is a household budget template to reflect that. The most important thing is that with or without a few modifications on your part, you should be able to use all or part of this budget worksheet to get a grip on where your money is coming from and where it is going to. The places where you enter income and expenses can stay the same but you can rework the calendar to reflect the starting and finishing point of your budget.

You can download, fill in and print this Excel 2003 document or download, print and fill in this budget speadsheet. It opens in another window so that you can look and fill it in and still have access to the coaching on this page. Or you can click on the thumbnail below...then copy and print the picture of a bi-weekly budget worksheet so you can fill it out the old fashioned way with a pencil or pen.

No matter what you download or print, fill in the blanks, do the math and then read 'em and weep. I hope it is not that bad but it should be clear where there is some work to be done. The important thing is that you raise your awareness of your cash flow situation. Just knowing your situation helps you manage your daily financial decisions. You can anticipate the fluctuations in your income and expenses and know when you have to make some hard decisions.



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If you are paid monthly click on the link below and get a table to fill out that is more compatible to the timing of your cash flow. In all cases you should fill out a full budget spreadsheet to thoroughly explore your income and expenses. That way your quickie budget will not be missing some important expenses. I am sure that one of the reasons you are exploring budgets is that you are tired of surprises.  

For your household finances to perform well you must do a good job at managing your household budget. To do that you need to know the answer to some basic questions such as:
What is a household budget? How do I fill out a household budget? What does a household budget tell me? What should I have for budgetary goals? These questions are addressed on the Budget Spreadsheet page.

Monthly Budget


Week numbersIncome fromIncome amountExpensesSubtract total from incomeEquals budget surplus or deficit for 2 week period
Weeks 1 & 2Salary / Wages Mortgage / Rent n/a
Commissions / Tips Loan Payments n/a
Investments Bills n/a
Other Groceries n/a
  Fun / Entertainment n/a
  Other n/a
TOTAL TOTAL  


Week numbersIncome fromIncome amountExpensesSubtract total from incomeEquals budget surplus or deficit for 2 week period
Weeks 3 & 4Salary / Wages Mortgage / Rent n/a
Commissions / Tips Loan Payments n/a
Investments Bills n/a
Other Groceries n/a
  Fun / Entertainment n/a
  Other n/a
TOTAL TOTAL  


Week numbersIncome fromIncome amountExpensesSubtract total from incomeEquals budget surplus or deficit for 2 week period
Weeks 5 & 6Salary / Wages Mortgage / Rent n/a
Commissions / Tips Loan Payments n/a
Investments Bills n/a
Other Groceries n/a
  Fun / Entertainment n/a
  Other n/a
TOTAL TOTAL  


Week numbersIncome fromIncome amountExpensesSubtract total from incomeEquals budget surplus or deficit for 2 week period
Weeks 7 & 8Salary / Wages Mortgage / Rent n/a
Commissions / Tips Loan Payments n/a
Investments Bills n/a
Other Groceries n/a
  Fun / Entertainment n/a
  Other n/a
TOTAL TOTAL  


Week numbersIncome fromIncome amountExpensesSubtract total from incomeEquals budget surplus or deficit for 2 week period
Weeks 9 & 10Salary / Wages Mortgage / Rent n/a
Commissions / Tips Loan Payments n/a
Investments Bills n/a
Other Groceries n/a
  Fun / Entertainment n/a
  Other n/a
TOTAL TOTAL  


Week numbersIncome fromIncome amountExpensesSubtract total from incomeEquals budget surplus or deficit for 2 week period
Weeks 11 & 12Salary / Wages Mortgage / Rent n/a
Commissions / Tips Loan Payments n/a
Investments Bills n/a
Other Groceries n/a
  Fun / Entertainment n/a
  Other n/a
TOTAL TOTAL  


Week 13 - Every Six months you get a free check!

Week numbersIncome fromIncome amountExpensesSubtract total from incomeEquals budget surplus or deficit for 2 week period
Week 13Salary / Wages n/a n/a
Commissions / Tips n/a n/a
Investments n/a n/a
Other Groceries n/a
  Fun / Entertainment n/a
  Other n/a
TOTAL TOTAL  

Download this spreadsheet Bi Weekly Budget Spreadsheet

Or take the financial literacy test.

COACHING

Here are some relevant chapters from the book Think Your Money that may help coach you on how to think about budgeting.

You need to think about the income side of your budget. There are many ways to make money.

People who do best with their personal finances understand and properly manage the spending side of their budget.

Once you control spending you can start saving.

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