Everyone is talking about saving money, living within their means, and creating a budget these days. Even though creating a budget is relatively simple to do, it does require some time and work on your part. However, this is made easier by using these three budget worksheets listed below. Track Your Expenses and Spending Worksheets _ Before you can create a working budget, you must first know how much you spend in a given month. You can use a weekly expenses worksheet along with a monthly expense record worksheet to track your spending and monthly expenses for 30 days. This will give you accurate information of what you actually spend each month, not just what you think you spend in each expense category. Monthly Financial Report Worksheet _ After you have tracked you spending you are now ready to fill out a monthly financial report worksheet for that 30 day period. On this worksheet you will record you income for the month along with your spending in each expense category. After you have subtracted your total expenses from your net spendable income, you will see if you have an excess or if you where short for that month.
Rings _ Rings are such an important symbolic part of the wedding. You do not want to forget the cost associated with them. Typical costs will run between 2 to 5%. The main differences here will be between the metal used and the diamond chosen for the ring. Design rings and signature pieces can often run 2 to 3 times more then a custom made ring. Many jewelers are happy to custom make a ring for you. _ Flowers / Decorations _ There are a variety of expenses in this category which include everything from flowers to reception decorations. Typical costs will run between 6 to 10% of the total budget.