So, back to the original question _ which free budgeting worksheet works the best? The answer, sadly, is none. That's because they all basically only allow you to list your income and expenses, and that's about it. Some of them also allow you to record your actual income and expenses. But none of the free budgeting worksheets we could find online allowed you to create a spending plan.
You should be able to document your income, expenses, and (hopefully) savings every month. If your income minus expenses is a positive number, you can relax a little. You still may want to work on your budget so you can save more for an emergency or retirement. If that number comes out negative, you could be in big trouble. Spending more money than you make means you must rely on credit. In turn, this means you are setting yourself up for more trouble because those credit card payments will get higher every month.