Four spreadsheets that will help you budget better, pay off your debts faster, save more money and grow your net worth.

budget spreadsheet how do i money

Our first budget changed everything.

When we did our first budget together as a married couple it was like flipping a switch.

All of a sudden we could see exactly were our money was going.

We instantly saw several areas in our budget where we could easily cut back and move us closer to our other financial goals.

Our first few monthly budgets were hand written. Yeah man… pencil, paper, and a calculator. This method worked great for months.

After a few months I decided to re-create our hand written budget with a spreadsheet to speed up the process.

(I actually kinda miss doing our budget by hand. Budgeting by hand gives you an in depth knowledge of your money in ways that budgeting apps and software can’t.)

Since then I’ve created a few different spreadsheets that help us get an even better picture of how our money is flowing (or not) each month.

I use these spreadsheets myself, maybe they could help you too.

Here’s four different spreadsheets that will help you budget better, pay off your debts faster, save more money and grow your net worth.

(Plus a bonus MEGA-SHEET with all four in one! See below.)

Simple Monthly Budget

Start your first monthly budget today!

Easily budget your money and track where it’s going with this free Google Sheet.

A budget is where it all starts.

Learn more and download now…



Simple Net Worth Tracker


Google Sheet Download.

Start tracking and growing your net worth today.

Tracking your net worth is the best way to see if you are heading in the right direction.

Learn more and download now…


Easy Debt Snowball Template


A FREE Google Sheet download.

Organize your debts and start paying them off faster!

Learn more and download now…



Simple Savings Plan

A FREE Google Sheet Download

Start a plan to save for the important things in life.

(You’ll love this one once you see how simple it is and how important having a savings plan for medium sized purchases is.)

Learn more and download now…




Ready to jump in a go fu#&ing crazy?!

Grab the MEGA-SHEET with all four of these spreadsheets right up in there.



Go get ’em Tiger!


P.S. I realize the word ‘spreadsheet’ can make some people want to pass out. Seriously y’all, just download the one that you think might help you the most and start filling it out. Don’t put too high an expectation on yourself. Don’t take it too seriously. Just fill it out, no big deal. There isn’t anything you are going to mess up. You aren’t going to do it wrong and break the Internet. Think of filling out your first spreadsheet as a low (the lowest possible) pressure step into the world of personal finance you could possibly take. There now, that wasn’t so hard now was it?

16 Responses to "Four spreadsheets that will help you budget better, pay off your debts faster, save more money and grow your net worth."

  1. Jay   September 12, 2016 at 5:34 am

    Thanks for the great resources, Derek! The net worth tracker is particularly helpful for me.

    Personally, I also have fond memories of doing my own initial budgeting by hand on pen and paper. 🙂

    Thanks again!

    • Derek   September 12, 2016 at 8:36 am

      Man, you’re really making me miss budgeting by hand! Those were the days!

      It was much easier to budget by hand in the early days of our marriage, things were much simpler then. I’m afraid it would take too long with the way things are now. Especially now that we both have our own businesses. I suppose it would be possible, but like I said in the post, might as well speed things up with a kick ass spreadsheet!


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  4. Steven   September 15, 2016 at 5:45 pm

    Just downloaded your mega sheet and will be playing around with it to see how it compares to my homemade one! Thanks for putting it together! Great idea!

    • Derek   September 15, 2016 at 6:01 pm

      Dude. Would love to see yours. Is it a Google Sheet?

      It’s always amazing to see spreadsheets people make themselves because they are always just a little bit different.

      • Steve   September 18, 2016 at 5:09 pm

        I will get it ready for viewing this week! I just have to find some time to get the post written. I was planning on writing a post with mine as well. I try to download others as well myself!

  5. Caron   October 1, 2016 at 6:52 am

    Hi, Derek – just got this and would love to play with it, but is there a way to copy it from Google Drive and put it into my own PC files?

    • Derek   October 1, 2016 at 4:38 pm

      You should be able to make a copy and download as an Excel file.

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  8. Tonio   May 30, 2017 at 1:33 am

    Haven’t received the Mega sheet after several attempts. Maybe you can send it directly?


    • Derek   May 31, 2017 at 12:32 pm


      Sorry about that!

      Try checking your spam folder or you can email me at derek AT how do i money . com and I’ll hook you up!!


  9. Pete   August 8, 2017 at 3:47 pm

    Dead link to spreadsheets. Ist there any other way to get’em?

  10. Daniela   August 26, 2017 at 10:41 pm

    Hey Derek,

    I am unable to download the spreadsheets you have offered. It says the landing page isn’t working. Any chance you could email them over?



  11. Andrea   September 1, 2017 at 12:36 am

    Please send me a working link to your spreadsheets? Love what you guys are doing. Thank you.


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