If you’re not one to budget, you probably spend whatever you think you can afford. This might be more (or less!) than it really should be.

What you need is a spending plan, and you can create one with this worksheet from Bankrate. Simply fill in the blanks to get a better idea of where your money is going and what you can cut back on. It’s easy… and think of all the money you’ll save once you realize where you’re wasting it.

This worksheet would also be a great thing to give to any soon-to-be-departing college students that you may have lying around your house.

Spending Plan Worksheet (PDF) Part 1 [Bankrate]
Spending Plan Worksheet (PDF) Part 2 [Bankrate]
Spending Plan Worksheet (PDF) Part 3 [Bankrate]
Spending Plan Worksheet (PDF) Part 4 [Bankrate]
Spending Plan Worksheet (PDF) Part 5 [Bankrate]
Budgeting toolkit [Bankrate]

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