Use NerdWallet's free template to make a budget that aligns with the 50/30/20 spending rule. A budget can show you where your money is going so you can make changes if needed.

To keep track of your monthly and yearly individual budget, this personal budget template has it all. You can see the entire year on a single sheet, with spots for each month.

But getting into budgeting can be challenging because you have to figure out the what, when and how of tracking. If you're not sure how to best approach it, you may put it off for another time.

For example: Budget Tracking: Set monthly spending limits for each category and compare actual expenses against these limits to identify areas for improvement. Goal Setting: ...

A budget is, at its simplest, a plan for how you'll spend your earnings. It ensures you have the funds to cover your essentials — like housing, groceries, utilities, and your monthly debt ...

For example, NerdWallet: Manage Your Money may share your credit score, while Wallet: Budget Expense Tracker and Mobills - Budget Planner share your user payment information.