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Budgeting Worksheet: Compare your Monthly Spend to a Standard Guideline _ Once you put your numbers in, how do you compare to the national average or some other standard guideline? The budgeting worksheet should give you some idea of how you compare in each of the above categories. Then you can make some decisions if you're over or under spending in some areas. The beauty of using worksheets is not only to see where your money is going but to see how you compare to a standard guideline.

With a quick search of the Internet, you can find dozens of free budgeting worksheets to download. There are PDFs and Excel worksheets galore. Some are easier to navigate than others... some look better. So, with all the options out there, which free form should you choose? Before we get into that, we should step back and get an idea of what you need the budgeting worksheets to do. Creating and following a budget can be very hard work. It's so hard, in fact, that most people give up after a few short weeks, or even days. There are all kinds of reasons people give up. Perhaps the most commonly overlooked and easiest to correct has to do with the budgeting worksheet or tools they use.

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