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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.

Mistake _ Not Planning for Upcoming Expenses _ When you are creating a monthly budget it is always helpful to save a certain amount of money for a given category even if you don't have that expense for the given month. For example, let's say you pay your car insurance every six month. It is important to take your payment and divide it by six. Then, each month you will want to save that amount so you have the insurance payment when it comes due instead of trying to come up with the whole amount in one given month. If you can do this for as many periodic expenses as possible, it will be easier to have a balanced budget each month.

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