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.

You can create a baseline budget using Microsoft Word by using tables to draw up the budget and formulas to do the math. When using tables, each square where you enter an item is called a "cell." ...

But before you do that, give Word’s built-in design talents a try. Work with a template… The easiest way to create more elaborate documents in Word is to use a template.