Managing your finances can be quite the task when you don't keep track of what's coming in and what's going out. This is important mainly because knowing how much you're making verses how much you're spending will let you know if you are living beyond your means, under your means or if you're right where you need to be.

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A hug part of credit is understanding your own finances. Knowing where you can afford to save money and where you should spend more is crucial to the process, because if you can manage your own money you're more likely to get approved to manage someone else's. In other words it's a lot easier to have credit extended to you.

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The problem is, sometimes we just don't know where to start! That's where we come in. We've added a clean and simple Budget Planning Template here to help you keep track of your finances. It's created specifically to give you as close an idea of exactly where your money is going as possible. So you'll find categories that are usually combined with others have their own section. It even has a dedicated space for deductions - items you can afford to spend less on or rid all together.

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This budget template is extremely beginner friendly and can be used by anyone.

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Feel free to download and print as many as you need!