Budget worksheets provide a basic layout for tracking your monthly expenses and income so you can pinpoint ... All of the templates are optimized to be filled out in Excel, but most can be printed.

Add your income and expenses to ... Your variable costs. These are expenses that change every month, including groceries, gas costs, shopping, dining out, travel and entertainment.

You don't have to start from scratch and create a budget spreadsheet manually ... budgeting worksheet worth checking out. You can add your income and expenses across a variety of categories ...

Work out a proposed household budget by inputting your sources of income and projected expenses into Kiplinger's exclusive worksheet below. You can add and delete rows as necessary to reflect your ...

If you've already do so, congrats! Now you can kick back and await that refund, right? Sure—but your relief will be short-lived. Once tax season rolls around next year, you'll again find yourself ...

Using pen and paper, envelopes and spreadsheets ... your expenses exceed your income, you'll need to determine what changes to make. You may be able to balance your budget by cutting out wants ...