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There are at least a couple major problems with this method. First, it's pretty easy to overlook quite a few expenses. Things like that daily stop at the coffee shop, or the cost of a car registration that happens only once a year.

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. Generally speaking, the ability to generate a paycheck_by_paycheck spending plan is only available in budgeting worksheets packaged for sale.

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