Zero-Based Budget Worksheet

If you’re unsure of where to start on your budget I am going to share mine with you! I’ve tweaked it a little to try and add some extra expenses that may be relevant to you, but it is completely flexible so you can add categories that apply to you and delete ones that don’t.

Keep in mind those expenses that you know will come up but might forget in your everyday budgeting like home repairs and maintenance, school fees, and those irregular bills.

How to use the Zero-Based Budget Worksheet

Simply sign up below and you will be emailed a link to the Zero-Based Budget Worksheet in view-only mode. Save a copy and use in Excel or upload to use in Google Sheets and get started on your very own budget!

Keep or change the categories to suit your personal circumstances.

Add in your Budgeted and Actual spending amounts each month into the respective columns and their category.

You can grab an Expense Tracker Printable or Worksheet to help you track your month’s expenses or simply note them in a notebook each month.

The formulas in the unchanged columns will populate automatically so don’t change these (it will warn you if you try to change them :)).

This is a zero-based budget which is a fancy way of saying that you should allocate every dollar of your income whether that be to expenses, debt, savings or investing. And the final surplus should be $0.00.

Grab your free copy of the Zero-Based Budget Worksheet here.

And that’s it! happy budgeting, Minimisers!

Don’t forget to sign up for your free copy of my eBook “101 Ways to Save Money Whilst Still Living Awesomely” for 101 tips on how you can reduce your budget expenditure whilst still having fun and enjoying life!