I like these because they're good starting places. There's no one-size-fits-all plan, but this changes a completely blank slate into a place to start for those clueless as to how to get a handle on their personal finances. I've mentioned before we keep our household budget & savings plan in Google Docs to have them accessible at any computer, and as a back-up in case our computers die.
Here's some of what the templates have to offer:
Some of these are based on typical percentages- an OK place to start, but the best way to make a realistic budget for YOU is to track your own expenses for a couple months. Knowing where your money's going is usually the best first step in figuring out where it ought to be going. There are some templates here to aid in that, too.
See how much money you'll save by paying those loans off early! Seriously, it's amazing.
Whether it's planning for holiday expenditures, watching your account grow, or, say, saving for a trip to Hawaii in 6 months- it's always good to plan ahead! Actually, most of our budget is allotted to "saving"- whether it's for gifts or a vacation or car fund or for the lump car insurance or registration payments we make a couple times a year. Having an idea how much we need to put away per paycheck to meet a far-off goal is helpful.
There's lots more useful stuff than what I linked to- go check it out! Also check out the non-personal-finance related stuff- everything from a Lost Pet Flyer to a Fantasy Football Draft to recipe cards. I'm glad to have this all conveniently accessible- and free!
Bonus puns for the day, from an email forward:
- A lot of money is tainted: 'Taint yours, and 'taint mine.
- Those who get too big for their britches will be exposed in the end. (Are you living beyond your means?)
- My favorite: You are only stuck with your debt if you can't budge it!