How to use this Budget Planner

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Getting StartedWhat Do You Earn?What Do You Spend?Spending Totals

The Results!

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Work through each section using the arrow keys or mouse to navigate and enter the data. As this is a spreadsheet, you can save it on your computer in the normal way.

Enter data in the weekly, monthly or annual columns.

We don't always spend or earn by the month; so if you buy something weekly or annually put it in the relevant column and it's auto-converted into monthly spend for you. If you're paid 4-weekly, divide your earnings by 4 and enter the amount in the weekly column. The moment of truth..... Your Results After fully completing the What do you earn and What do you spend categories comes the moment of truth. Simply click on the "The Results" button to see whether your income is bigger than your expenditure (hopefully) or vice-versa (uh-oh).

The Process...

Don't forget to save this file; so you can come back to it.

Martin Lewis and MoneySavingExpert.com. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

Banking SavingTravel Transport Insurance Mortgages HousesFamily & HealthProtect Your Pocket

Getting Started

What Do You Earn?

What Do You Spend?

Spending Totals

The Results!

Work through each section using the arrow keys or mouse to navigate and enter the data. As this is a spreadsheet, you can save it on your computer in the normal way.

Enter data in the weekly, monthly or annual columns.

We don't always spend or earn by the month; so if you buy something weekly or annually put it in the relevant column and it's auto-converted into monthly spend for you. If you're paid 4-weekly, divide your earnings by 4 and enter the amount in the weekly column. The moment of truth..... Your Results After fully completing the What do you earn and What do you spend categories comes the moment of truth. Simply click on the "The Results" button to see whether your income is bigger than your expenditure (hopefully) or vice-versa (uh-oh).

What do you earn?

Income From Employment / Self Employment

Income From Savings & Investments

Pension / Annuity Payouts

Benefits (Including Child Benefit, Child Tax Credits & Income Support)

Gifts From Family / Friends

Other Income

Enter Other Income Source

Enter Other Income Source

Enter Other Income Source

INCOME TOTAL

Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

Getting StartedWhat Do You Earn?What Do You Spend?Spending TotalsThe Results!

If you're employed / on benefits: Enter your earnings after tax (your net income)

If you're self-employed: Put in your earnings before tax then, on the What do you spend page, put your tax in the Tax & NI Provisions category. It's very important to ensure you adequately save up for the tax bill; put it away as soon as you've earned it.

If you're paid 4-weekly: divide your earnings by 4 and enter the amount in the weekly column.

Weekly Monthly Yearly

Other Income

0.00

Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

Monthly Total

If you're employed / on benefits: Enter your earnings after tax (your net income)

If you're self-employed: Put in your earnings before tax then, on the What do you spend page, put your tax in the Tax & NI Provisions category. It's very important to ensure you adequately save up for the tax bill; put it away as soon as you've earned it.

If you're paid 4-weekly: divide your earnings by 4 and enter the amount in the weekly column.

How much do you spend?

Do you spend by the week, month or year? Fill which ever column suits your spending pattern.

1. IN YOUR HOME

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredMortgage/Rent:

Buildings & Contents Insurance:

Bank Account Fee:

Overdraft Cost:

Council Tax:

Water Rates/Meter:

Gas

Oil -

Household Maintenance:

Garden Maintenance -

Cleaning Products/Cleaner -

Home Phone

Internet

TV Licence -

Mobile Phone

Other Home

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending Here

HOME TOTAL 0.00

2. INSURANCE

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredLevel Term

Mortgage Payment Protection

Mortgage Term

Pet

Travel

Gas & Plumbing/Boiler Cover

Other Insurance

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereINSURANCE TOTAL 0.00

3. EATS, DRINKS & SMOKES

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredFood and Household Shopping

Eating Out

Coffees/Sandwiches/Snacks

Drinks for Home

Drinking Out

Smokes

Meals at work -

Other Eats, Drinks & Smokes

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereEATS TOTAL 0.00

4. MOTORING & PUBLIC TRANSPORT

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredBreakdown Cover/Roadside Recovery

Rail/Bus/Coach/Taxi

Car Maintenance

Car Insurance

Car Tax -

Parking -

Petrol/Diesel

Other Transport

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereTRANSPORT TOTAL 0.00

5. CARD & LOAN REPAYMENTS

Getting StartedWhat Do You Earn?What Do You Spend?Spending TotalsThe Results!

The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredCar Loan Repayments

Personal Loan Repayments

HP Repayments

Credit Card Repayments

Other Repayments

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereREPAYMENTS TOTAL 0.00

6. SAVINGS & INVESTMENTS

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredRegular Savings

Lump Sum Savings

Mini Cash ISAs

Investments

Buying Shares

Pension Payments

Other Savings / Investments

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereSAVINGS TOTAL 0.00

7. FAMILY

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredChildcare/Play Schemes

Baby Sitting

Children's Travel

Laundry/Dry Cleaning

Nappies/Baby Extras

Pocket Money -

School Meals -

School Trips -

Pet Food -

Other Family

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereFAMILY TOTAL 0.00

8. FUN & FROLICS

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredDVD/Video Rental

IT/Computing (eg Anti-virus etc)

Hobbies

Pet Costs -

Shopping for Fun

Big Days Out

Books/Music/Films/Computer Games

Cinema/Theatre Trips

Family Days Out

Satellite/Digital TV Subscription

Other Fun & Frolics

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereFUN & FROLICS TOTAL 0.00

9. HEALTH & BEAUTY

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredFitness/Sports/Gym

Private Medical Insurance

Dental Insurance

Healthcare Cashplans

Beauty Treatments

Dentistry

Haircuts -

Optical Bills

The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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Credit card warning: Don't double count spends. If you pay for food shopping on your credit card and pay it off in full, don't also include it in the credit card repayment category.

Pensions warning: Only include contributions if they're on top of what's already taken from your take home salary.

Complimentary Therapies -

Other Health & Beauty

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereHEALTH & BEAUTY TOTAL 0.00

10. CLOTHES

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total Desired

New Clothes

New Children's Clothes

Work Clothes

Other Clothes

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereCLOTHES TOTAL 0.00

11. EDUCATION & COURSES

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total Desired

Your Courses -

School Fees

University Tuition Fees

Other Education Costs

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereEDUCATION & COURSES TOTAL 0.00

12. BIG ONE OFFS

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredChristmas

Summer Holiday

Winter Holiday

Birthdays

Sofa/Kitchen/TV

Wedding Expenses

Funeral Expenses -

Other Big One Offs

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereBIG ONE OFF TOTAL 0.00

13. ODDS & SODS

FILL IN FOR PART A PART B PART CPer Monthly Monthly

Week Month Year Total DesiredRegular Charity Donations

Tax & NI Provisions (self-employed only)

Newspapers & Magazines -

Other Odds & Sods

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending Here

Enter Other Spending HereODDS & SODS TOTAL 0.00

Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

The 'Article' links will take you through to full details on how to save in each area.

Article

Article

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The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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The 'Article' links will take you through to full details on how to save in each area.

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Spending on holiday: If you go away on holiday remember while you're there you're not doing your usual spending at home. Make sure you only include any additional spending.

Spending Totals

Home 0.00Insurance 0.00Eats, Drinks & Smokes 0.00Transport & Travel 0.00Debt Repayments 0.00Savings & Investments 0.00Family 0.00Fun & Frolics 0.00Health & Beauty 0.00Clothes 0.00Education & Courses 0.00Big One Offs 0.00Odds & Sods 0.00

0.00 0.00

Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

Getting StartedWhat Do You Earn?What Do You Spend?Spending TotalsThe Results!

MONTHLY SPEND

DESIRED SPEND

Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

Home

Insurance

Eats, Drinks & Smokes

Transport & Travel

Debt Repayments

Savings & Investments

Family

Fun & Frolics

Health & Beauty

ClothesEducation & Courses

Big One Offs

Odds & Sods

Budgeted Monthly Spend

Home

InsuranceEats, Drinks & Smokes

Transport & Travel

Debt Repayments

Savings & Investments

Family

Fun & Frolics

Health & Beauty

Clothes

Education & Courses

Big One Offs

Odds & Sods

Desired Monthly Spend

Check your results

Total income

Total spend

You spend MORE than you earn...

HAPPINESS Hurrah! You balance your budget. Well done!

+Now save yourself even more money.

MISERY

-Sort this out now; more info on how in the

Getting StartedWhat Do You Earn?What Do You Spend?Spending TotalsThe Results!

Providing you've been honest with yourself, it's time to relax a little - but MoneySaving doesn't stop there. In fact it's just beginning. Paying less for things means you have more money in your pocket to enjoy life more (and possibly save some for the future too!)

The typical savings from doing this can be 3,000 - 5,000 a year. My estimate is it'll take a full day's work but look at the return. It'll be the best paid work you've ever done.

Give yourself a money makeover

Uh Oh! You spend more than you earn! Don't run the risk of a debt spiral - deal with this now!

Spending more than you earn may not seem like a big deal, yet it's a potential disaster - and not just financially. At best you'll be eating away at your savings; at worst, you'll need to borrow.

And this type of borrowing is the worst as it means you can't afford your lifestyle and thus there's no planning to the debt and no end in sight. Sadly I've seen this result in debt crisis too many times, and that doesn't just hit your pocket: it can hurt your home, family, mental health and relationship.

Overspending Help Guide

Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

MONTHLY ANNUAL

0.00 0.000.00 0.00

0.00 0.00

Hurrah! You balance your budget. Well done!

Now save yourself even more money.

Sort this out now; more info on how in the

Providing you've been honest with yourself, it's time to relax a little - but MoneySaving doesn't stop there. In fact it's just beginning. Paying less for things means you have more money in your pocket to enjoy life more (and possibly save some for the future too!)

The typical savings from doing this can be 3,000 - 5,000 a year. My estimate is it'll take a full day's work but look at the return. It'll be the best paid work you've ever done.

Give yourself a money makeover

Uh Oh! You spend more than you earn! Don't run the risk of a debt spiral - deal with this now!

Spending more than you earn may not seem like a big deal, yet it's a potential disaster - and not just financially. At best you'll be eating away at your savings; at worst, you'll need to

And this type of borrowing is the worst as it means you can't afford your lifestyle and thus there's no planning to the debt and no end in sight. Sadly I've seen this result in debt crisis too many times, and that doesn't just hit your pocket: it can hurt your home, family, mental health

Overspending Help Guide

Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.

Getting StartedWhat Do You EarnWhat Do You SpendSpending TotalsCheck Your Results