Getting Started

What Do You Earn?

What Do You Spend?
Spending Totals
The Results!

Home Cards & Loans

Reclaim £1000's
Shopping Spending
Utilities Phones
Banking Saving

How to use this Budget Planner

Work through each section using the arrow keys or mouse to navigate and enter the data.
As this is a spreadsheet, you can save it on your computer in the normal way.

Enter data in the weekly, monthly or annual columns.

We don't always spend or earn by the month; so if you buy something weekly or annually put
it in the relevant column and it's auto-converted into monthly spend for you. If you're paid 4-
weekly, divide your earnings by 4 and enter the amount in the weekly column.

The moment of truth..... Your Results

After fully completing the What do you earn and What do you spend categories comes the
moment of truth. Simply click on the "The Results" button to see whether your income is
bigger than your expenditure (hopefully) or vice-versa (uh-oh).

Related Links

Discuss/help Budget Planner Discussion

Get help filling it in: Budget Planner Tips
How to stop spending Use the Demotivator
Give Yourself a makeover: Money Makeover

© Martin Lewis and MoneySavingExpert.com. 'Martin Lewis' and 'Money Saving Expert' are registere
 Travel Transport
Insurance Mortgages Houses
Family & Health
Protect Your Pocket

er the data.
The Process...

Getting Started
or annually put
you're paid 4-

What Do You Earn?

s comes the
income is

What Do You Spend?

Spending Totals

The Results!

Don't forget to save this file; so you can come

back to it.

ney Saving Expert' are registered trademarks belonging to Martin Lewis.

Getting Started
What Do You Earn?
What Do You Spend?
Spending Totals
The Results!
What do you earn?

If you're employed / on benefits: Enter your earnings after tax (your net income)

If you're self-employed: Put in your earnings before tax then, on the What do you spend page, put your tax
& NI Provisions category. It's very important to ensure you adequately save up for the tax bill; put it away as s
you've earned it.

If you're paid 4-weekly: divide your earnings by 4 and enter the amount in the weekly column.

Weekly Monthly

Income From Employment / Self Employment

Income From Savings & Investments
Pension / Annuity Payouts
Benefits (Including Child Benefit, Child Tax Credits & Income Support)
Gifts From Family / Friends
Other Income
Enter Other Income Source
Enter Other Income Source
Enter Other Income Source
INCOME TOTAL

© Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks b
nd page, put your tax in the Tax
ax bill; put it away as soon as

column.

Monthly
Yearly
Total

£0.00

egistered trademarks belonging to Martin Lewis.

Getting Started
What Do You Earn?
What Do You Spend?
Spending Totals
The Results!
How much do you spend?

Do you spend by the week, month or year? Fill which ever column suits your spending pattern.

1. IN YOUR HOME

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full
Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Mortgage/Rent: Article
Buildings & Contents Insurance: Article
Bank Account Fee: Article
Overdraft Cost: Article
Council Tax: Article
Water Rates/Meter: Article
Gas Article
Electricity Article
Oil -
Household Maintenance: Article
Garden Maintenance -
Cleaning Products/Cleaner -
Home Phone Article
Internet Article
TV Licence -
Mobile Phone Article
Other Home
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
HOME TOTAL £0.00

2. INSURANCE

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Level Term Article
Mortgage Payment Protection Article
Mortgage Term Article
Pet Article
Travel Article
Gas & Plumbing/Boiler Cover Article
Other Insurance
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
INSURANCE TOTAL £0.00

3. EATS, DRINKS & SMOKES

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Food and Household Shopping Article
Eating Out Article
Coffees/Sandwiches/Snacks Article
Drinks for Home Article
Drinking Out Article
Smokes Article
Meals at work -
Other Eats, Drinks & Smokes
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
EATS TOTAL £0.00

4. MOTORING & PUBLIC TRANSPORT

 FILL IN FOR PART A PART B PART C
The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Breakdown Cover/Roadside Recovery Article
Rail/Bus/Coach/Taxi Article
Car Maintenance Article
Car Insurance Article
Car Tax -
Parking -
Petrol/Diesel Article
Other Transport
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
TRANSPORT TOTAL £0.00

5. CARD & LOAN REPAYMENTS

Credit card warning: Don't double count spends. If you pay for food shopping on your credit card and pay
it off in full, don't also include it in the credit card repayment category.

Pensions warning: Only include contributions if they're on top of what's already taken from your take
home salary.

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Car Loan Repayments Article
Personal Loan Repayments Article
HP Repayments Article
Credit Card Repayments Article
Other Repayments
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
REPAYMENTS TOTAL £0.00

6. SAVINGS & INVESTMENTS

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Regular Savings Article
Lump Sum Savings Article
Mini Cash ISAs Article
Investments Article
Buying Shares Article
Pension Payments Article
Other Savings / Investments
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
SAVINGS TOTAL £0.00

7. FAMILY

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Childcare/Play Schemes Article
Baby Sitting Article
Children's Travel Article
Laundry/Dry Cleaning Article
Nappies/Baby Extras Article
Pocket Money -
School Meals -
School Trips -
Pet Food -
Other Family
Enter Other Spending Here
 Enter Other Spending Here
Enter Other Spending Here
FAMILY TOTAL £0.00

8. FUN & FROLICS

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
DVD/Video Rental Article
IT/Computing (eg Anti-virus etc) Article
Hobbies Article
Pet Costs -
Shopping for Fun Article
Big Days Out Article
Books/Music/Films/Computer Games Article
Cinema/Theatre Trips Article
Family Days Out Article
Satellite/Digital TV Subscription Article
Other Fun & Frolics
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
FUN & FROLICS TOTAL £0.00

9. HEALTH & BEAUTY

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Fitness/Sports/Gym Article
Private Medical Insurance Article
Dental Insurance Article
Healthcare Cashplans Article
Beauty Treatments Article
Dentistry Article
Haircuts -
Optical Bills Article
Complimentary Therapies -
Other Health & Beauty
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
HEALTH & BEAUTY TOTAL £0.00

10. CLOTHES

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
New Clothes Article
New Children's Clothes Article
Work Clothes Article
Other Clothes
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
CLOTHES TOTAL £0.00

11. EDUCATION & COURSES

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Your Courses -
School Fees Article
University Tuition Fees Article
Other Education Costs
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
EDUCATION & COURSES TOTAL £0.00
12. BIG ONE OFFS
Spending on holiday: If you go away on holiday remember while you're there you're not doing your
usual spending at home. Make sure you only include any additional spending.

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Christmas Article
Summer Holiday Article
Winter Holiday Article
Birthdays Article
Sofa/Kitchen/TV Article
Wedding Expenses Article
Funeral Expenses -
Other Big One Offs
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
BIG ONE OFF TOTAL £0.00

13. ODDS & SODS

FILL IN FOR PART A PART B PART C

The 'Article' links will take you through to full Per Monthly Monthly
details on how to save in each area.
Week Month Year Total Desired
Regular Charity Donations Article
Tax & NI Provisions (self-employed only) Article
Newspapers & Magazines -
Other Odds & Sods
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
Enter Other Spending Here
ODDS & SODS TOTAL £0.00

Back To Top

© Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks belonging to Martin Lewis.
Getting Started
What Do You Earn?
What Do You Spend?
Spending Totals
The Results!
Spending Totals

Budgeted Monthly Spend

MONTHLY DESIRED
SPEND SPEND

Home £0.00
Insurance £0.00
Eats, Drinks & Smokes £0.00
Transport & Travel £0.00
Debt Repayments £0.00
Savings & Investments £0.00
Family £0.00
Fun & Frolics £0.00
Health & Beauty £0.00
Clothes £0.00
Education & Courses £0.00
Big One Offs £0.00
Odds & Sods £0.00
£0.00 £0.00
Desired Monthly Spend

© Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks b
 geted Monthly Spend
Home
Insurance
Eats, Drinks &
Smokes
Transport & Travel
Debt Repayments
Savings &
Investments
Family
Fun & Frolics
Health & Beauty
Clothes
Education & Courses
Big One Offs
Odds & Sods

Desired Monthly Spend

Home
Insurance
Eats, Drinks &
Smokes
Transport & Travel
Debt Repayments
Savings &
Investments
Family
Fun & Frolics
Health & Beauty
Clothes
Education & Courses
Big One Offs
Odds & Sods

e registered trademarks belonging to Martin Lewis.

Getting Started
What Do You Earn?
What Do You Spend?
Spending Totals
The Results!
Check your results

MONTHLY
Total income £0.00
Total spend £0.00

You spend MORE than you earn... £0.00

HAPPINESS Hurrah! You balance your budget. Well done!

Providing you've been honest with yourself, it's time to relax a little -
MoneySaving doesn't stop there. In fact it's just beginning. Paying le

+
things means you have more money in your pocket to enjoy life mor
possibly save some for the future too!)

The typical savings from doing this can be £3,000 - £5,000 a year. M
estimate is it'll take a full day's work but look at the return. It'll be the
paid work you've ever done.

Now save yourself even more money….

Give yourself a money makeover

Uh Oh! You spend more than you earn!

MISERY Don't run the risk of a debt spiral - deal with this now!

Spending more than you earn may not seem like a big deal, yet it's a
potential disaster - and not just financially. At best you'll be eating aw

-
your savings; at worst, you'll need to borrow.

And this type of borrowing is the worst as it means you can't afford y
lifestyle and thus there's no planning to the debt and no end in sight.
I've seen this result in debt crisis too many times, and that doesn't ju
your pocket: it can hurt your home, family, mental health and relation

Sort this out now; more info on how in the…

Overspending Help Guide
© Martin Lewis and Martin S Lewis Ltd. 'Martin Lewis' and 'Money Saving Expert' are registered trademarks
 ANNUAL

£0.00
£0.00
£0.00

budget. Well done!

elf, it's time to relax a little - but

's just beginning. Paying less for
our pocket to enjoy life more (and

e £3,000 - £5,000 a year. My

ook at the return. It'll be the best

more money….
ey makeover

than you earn!

ral - deal with this now!

em like a big deal, yet it's a

. At best you'll be eating away at
ow.

it means you can't afford your

he debt and no end in sight. Sadly
y times, and that doesn't just hit
, mental health and relationship.

nfo on how in the…

elp Guide
rt' are registered trademarks belonging to Martin Lewis.