Here’s a simple budget planner template you can use to track your income, expenses, and savings — especially if you’re starting small and building sustainability after covering essentials like food:

 

Budget Planner

1. Income

  • Main income: __________

  • Side income: __________

  • Benefits/support: __________

  • Other: __________

Total income: __________

2. Fixed Expenses (monthly)

  • Rent/housing: __________

  • Utilities (gas, water, electricity): __________

  • Internet/phone: __________

  • Transportation: __________

  • Insurance: __________

Total fixed expenses: __________

3. Flexible Expenses (monthly)

  • Food (groceries, takeout): __________

  • Household supplies: __________

  • Health/medicine: __________

  • Clothing: __________

  • Entertainment/leisure: __________

  • Other: __________

Total flexible expenses: __________

4. Savings & Goals

  • Emergency fund: __________

  • Short-term savings (e.g., travel, new clothes): __________

  • Long-term savings (e.g., retirement, education, investments): __________

Total savings: __________

5. Summary

  • Total income: __________

  • Total expenses (fixed + flexible): __________

  • Savings: __________

  • Balance (income – expenses – savings): __________