Third, we also maintain transparency through weekly or monthly financial meetings where we discuss exactly where all the money went.įacing your finances is incredibly brave, and it is not always easy.
Debt, bills, savings-all of this was covered in detail with complete honesty.
#Free household budget template full#
Second, we gave full disclosure of our current financial situation. Since both of us regularly access our financial accounts, we are less likely to deviate from the monthly budget or fall into the treacherous troubled waters of financial infidelity (i.e. With the added dimension of accountability, we both have the ability to check bank accounts and credit card balances at any given time. It’s free and simple to use.įor us, sharing our passwords creates a sense of accountability. In order to create transparency, we first shared all of our usernames and passwords and stored them securely using a program called Last Pass.
#Free household budget template how to#
How to use the excel monthly budget template (FREE to download at the end of this post!)įirst, take the time to create financial transparency!Ĭreating financial transparency in a marriage can eliminate serious fights over money.įor us, it’s basically eliminated 95% of fights about money.In the month before we were married, we created a monthly budget and an excel spreadsheet to track everything from month to month (which is available as a FREE download at the end of this post!). Since money is one of the top sources of marital discord, it was incredibly important to us to get started on the right path. Our pastor asked all the tough questions, and we jumped straight into the nitty-gritty, answering his questions with all the honesty we could muster. When my husband and I did pre-marital counseling there was a whole session talking about finances and budgeting. Feel free to download and use so your family can create a successful monthly budget too. If you need help knowing how to create a monthly budget, my friend Lauren is guest posting today about her successful monthly budget, how she created it, and even included a free excel monthly budget template for an entire year.
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