Whether you’re in college, or maybe you’re living in your own home, it’s essential that you start to create a budget. I can tell you this much that if you don’t create a budget, you’re going to feel as if you’re lost and have no idea where your money is going. There’s nothing worse than that feeling!
Why should I create a budget in college?
I know, you’re not going to have loads of cash in college and that’s understood. If you’re looking to be organized, it’s great to form habits at a young age. You’re going to find that if you start organizing your financial habits at a young age, you’re going to notice that you will be a lot better off with your money.
How can I use these spreadsheets?
Even as a poor college student, you can still download the following files and use them in free software packages such as OpenOffice and Google Docs. Both of these software platforms are going to get the job done and what you’re going to find is that you skip out on purchasing the expensive Microsoft Office package that’s easily going to run you $100+.
Where can I find these spreadsheets?
You’re going to find that there are a ton of them out there. What I have found is that each one suits certain people. Some are going to be complex, while others are going to suit you best. It’s up to you to decide on what’s going to fit your student budget.
As a college student, you will find that your budget is going to be relatively small compared to those that live in their 30s with a family. If you think about it, you’re most likely not going to have all of those big expenses such as a home mortgage and more.
Here are the top 4 spreadsheets that I recommend when you’re looking to download one for your computer in general.
- #1 Suite101 Budget Planning
- #2 Vertex42 Spreadsheet
- #3 Debt Reduction Helper
- #4 Detailed Budgeting Sheet
There are obviously more than just these 4. I also found a great top 10 list over at ChristianPF highlighting some that you may want to check out as well.
Budgeting isn’t that hard. It’s just going to take action and some discipline. When you’re organized with your money, it’s going to cause a lot less stress and it’s going to enable you to know where your money is flowing each and every month!