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Tracking it this way took a lot of time to gather my expense information every month and was a little painstaking to enter in all the numbers. I used a simple Excel spreadsheet to track my budget for many years. While these are a starting point, you’ll need to tailor the spreadsheets to best fit your actual monthly budget. Add categories that your expenses fall in to and adjust your income to fit your life. If you prefer to use Google Docs, they also have sample budget templates to get you started.Įither way, you can start with a sample budget worksheet and then adjust it to fit your needs. Microsoft Excel does have budget templates available that you can use as a starting point. This can help you visualize your data in a way that makes the most sense to you. If you know a little bit about using Excel or Google Docs, you can build your own budget spreadsheet. With varying layouts and designs, it is easy to calculate your budget for anything you need. Use these different templates to visualize and track your expenses for your family or personal budget. Vertex42 offers a variety of free budget templates that can be used with Microsoft Excel or Google Sheets. This obviously is a great way to simplify the budgeting process and not have to manually type in numbers.Ĭheck out the Tiller Budget Spreadsheet Integrations From there, you can manipulate the data to see exactly what you need. This allows you to automatically export your financial information from your bank and import it into a Google Sheet. Tiller is a company that provides a unique service of being able to integrate your bank account with Google Sheets. Get the It’s Your Money Budget Spreadsheets Use these to budget for household expenses, loan payoff, and future expenses. The variety in the spreadsheets help to cover a wide range of budgeting purposes. These provide a few different ways to visualize your budget so that it makes the most sense to you. It’s Your Money put together a list of different free budget templates that use cash flow and box methods. ![]() It’s Your Money Budget Excel Spreadsheets It lists a variety of different categories of expenses to get you thinking about what you spend money on. Just use this worksheet to fill in your monthly income and any expenses that you paid money for. Similar to the worksheet, the Consumer Financial Protection Bureau, or CFPB, also provides a simple PDF worksheet to track your monthly expenses. Use this knowledge to find areas to cut costs and save more.ĭownload the Couple Wealth Budget Spreadsheet templateĬonsumer Financial Protection Bureau Budget Worksheet The spreadsheet will automatically calculate your total monthly spend, along with savings rate. We included all of our main income and expense sources, but feel free to add your own. We created out own monthly budget tracker in Excel as a way to better understand our monthly expenses. Mint offers free downloads of their daycare budget template, student and college budget templates, and home budget spreadsheets.ĭownload the Mint Sample Budget Templates In addition to the normal sample budget template, they also have a few other varieties based on your needs. Mint has an app and various tools for personal finances, but they also have a great budget template to get you started. Just download the PDF version and start filling in your numbers. ![]() The Federal Trade Commission, or FTC, has put together a budget worksheet that is super simple to use. This helps to determine if your money would be better suited being diverted somewhere else.ĭownload the Budget Spreadsheetsīudgeting is so important to building financial wealth that the government even offers tools for learning. The spreadsheet also automatically calculates your income allocation like financial institutions. ![]() They have a few different versions to make it simple to track your monthly budget. ![]() has a great budget tracking spreadsheet that you can download for Excel or Google Docs. ![]() W-2 forms and tax returns from at least the last two years.Proof of income: At minimum, one recent pay stub if you’re a wage-earner.Step 3: Collect the documents needed to refinance your homeīefore you can request and compare refinance loan offers, you need the right records in hand. Get refinance rate quotes from top lenders. “Too many credit inquiries can result in a reduction of your credit score,” says Whitman. In the months leading up to refinancing, be sure not to apply for additional lines of credit, such as personal loans and credit cards. Use free online tools from Redfin,, and other sites that estimate your home’s current value. This will help you understand how much you stand to save on your refinanced loan, and what rate you need to achieve your goals Learn what your home is worth Determine your current interest rate, unpaid principal balance, and maturity date. Examine your most recent mortgage statement While there are no credit minimums set for FHA loans and VA loans, lenders will have their own criteria - so it’s important to shop your rate around to get the best deal. Many lenders require a minimum credit score of 620 to refinance a conventional loan. “Even making small changes on your report can improve your credit score and result in a better interest rate.” And correct any errors you see in your credit report long before applying,” says Whitman. “Do this months before attempting a mortgage refinance. You can obtain a free credit report through various online vendors, including. Higher credit scores generally fetch lower interest rates, which can save you thousands of dollars over the life of the loan. Mortgage lenders use your credit score to determine how likely you are to replay your new home loan. If yours does, find out how costly this can be. Will you be penalized for paying off my current mortgage? Some mortgage loans apply prepayment penalty fees.Explore alternatives before setting on refinancing your existing mortgage. If cash-out refinancing, is a cash-out refinance the best option? There are other loan options for borrowers who want to leverage their home equity, such as a home equity loan or a home equity line of credit (HELOC).Can you show consistent proof of income? And can you count on this source of income continuing for at least three years?.She adds that a refi might be cost-prohibitive unless you plan to stay put for at least three years. How much longer do you plan to live in your home? “Before attempting a refi, you need to evaluate whether it will, in fact, save you money,” attorney Elizabeth A.Can you cover refinance expenses? The closing costs and fees associated with refinancing a mortgage can often equate to 3% to 6% of your outstanding balance.Perhaps you seek to tap into your home’s equity and pursue a cash-out refi to fund a home improvement project. Or you may want to lower your monthly payment or drop private mortgage insurance. What will a refinance accomplish? Maybe you want to pay off your mortgage debt quicker.Is mortgage refinancing worth it? To help you decide, answer these questions: Though it may help to check them on your own first, as this will help you understand what rate and savings you should be in line for You don’t necessarily need to bring your own credit report or mortgage statement the lender can typically request these for you.Make sure to include all pages, even if blank When you print or send your bank statements, you’ll need the past two months or the most recent quarterly statement.It’s better to have more documentation than less In terms of tax documents, have two years worth of W2s and tax returns ready, just in case.Bring pay stubs for the past (1) month at minimum, though lenders may ask to see more.Jon Meyer, The Mortgage Reports loan expert and licensed MLO, has a few extra tips to help you with your refinance checklist. Tackling these steps will save you time and worry. ![]() Getting your paperwork in order is crucial, too. 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