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Expense Tracker Printable

Expense Tracker Printable

Contents hide
1 Expense Tracker Printable
1.1 Daily Spending Tracker
1.2 Monthly Expense Tracker Printable
1.3 Bill Tracker Template
1.3.1 Bill Pay Checklist
1.3.2 Bill Calendar Template
1.3.2.1 Yearly Bill Calendar
1.3.2.2 Monthly Bill Calendar
2 Expense Tracker Excel
3 Bullet Journal Expense Tracker
4 How to Keep an Expense Log
4.1 Record each item
4.2 Categorize your expenses
4.3 Distinguish between expenses you need or want
4.4 Make a savings goal
4.5 Set a Monthly Budget
5 How Can you Reduce Expenses?
5.1 No Spend Challenge

I find that my daily spending can get out of hand when I don’t use an expense tracker. I don’t always know where I stand, and at the end of the month, I don’t understand how I spent as much as I did.

When you use an expense tracker, you not only keep track of your budget, but you are more conscious about what you spend since you are keeping a record.

Expense Tracker

Expense Tracker Printable

Select a free printable expense tracker from the selection below. Each template is customizable and editable.

Customize & Print

Daily Spending Tracker

You can select any border (there are hundreds available) and you can change the color of the tables. You can also edit the text.

Expense log
Printable Expense Tracker

Customize & Print

Track expenses
Expense Tracker Printable
Want or Need Expenses
This expense template distinguishes between items we want and need. It helps sort the necessary from the unnecessary.

Customize & Print

Monthly Expense Tracker Printable

The following expense trackers track your expenses only. If you want to track both expenses and income, then see our monthly budget template.

Expenses per Category
This personal expense tracker divides expenses per category. The categories cannot be edited.

There is also an Excel version you can edit.

Personal expense tracker
This personal expense tracker printable has 9 categories that you can edit if you prefer to categorize your expenses differently.
How to spend less

Need or Want?

This budget printable examines each expense to determine if you need or want it.

Word | Editable PDF | Image

Once you have listed each expense in the table, mark it as either “need” or “want”.

If an expense has been marked as “want”, then you can make three choices:

  1. Keep that expense (assuming you can afford it).
  2. Eliminate that expense.
  3. Find a cheaper or free alternative (for example, you might stop eating out and eat at home or stop ordering lattes and drink coffee at home or work).

Once you have gone through each expense and decided what you will eliminate or reduce, adjust the subtotal, and work out your total expenses.

Compare your expenses to your income and see if you need to be more ruthless in determining which expenses to eliminate or reduce.

Don’t forget to include savings in your expenses. See the section on “How much should you save?”

Bill Tracker Template

This is a yearly bill payment calendar that you can print blank or with any border.

Bill calendar template
This bill tracker calendar will record all bills you need to pay each month, the amount of each bill and the due date.

PDF | Word | Image

Yearly Bill Tracker
You can add any border or text to this printable bill organizer. There are 101 different borders available.

Bill Pay Checklist

This is a yearly free printable bill pay checklist template. Add all monthly expenses and mark the checklist once they are paid. The template is editable and you can add the bill description, amount, due date and whether or not it is automatically paid. There is also space for notes.

Editable PDF | Image

Yearly Bill Pay Checklist
Bill payment tracker

This bill payment tracker is similar to the one above but it has less fields (bill description, amount and due date). It also has a checkbox for each month to mark when the bill is paid.

Editable PDF | Image

With this monthly bill pay checklist, you can edit the text and change the color of the table.
Bill pay checklist

Bill Calendar Template

Yearly Bill Calendar

Bill calendar template

PDF | Word | Image

This yearly bill payment calendar will record all bills you need to pay each month, the amount of each bill, and the due date.

bill checklist

Word | Editable PDF

This is a yearly bill calendar checklist to track monthly bills.

Monthly Bill Calendar

Monthly bill calendar

This is a monthly calendar with one page per month.

2020 | 2021

Budget printable

Image | Editable PDF

Budget printables

Image | Editable PDF

Expense Tracker Excel

This is a personal expense tracker Excel template. Use it to track your monthly expenses. If you want to track both expenses and income with an Excel spreadsheet, then see our monthly budget template.

Personal Monthly
Personal Monthly Budget

Excel Version | PDF | Monthly Budget Spreadsheet with Savings Goal

Monthly expense Excel template.

Customize & Print

Bullet Journal Expense Tracker

Many people use their bullet journal to track their spending. When you write down what you spend you tend to waste less. Please note that the text is editable so you can change the titles. If you don’t want your title to read “Spending Tracker” then feel free to change it.

Bullet Journal Spending Tracker
Bullet Journal Expense Tracker

How to Keep an Expense Log

Once you have printed an expense log template what do you do with it?

Record each item

The best way to keep track of your expenses is to record each item as you spend. This will prevent you from forgetting to add small items that add up. Alternatively, you can also schedule a few minutes each day to record your spending. However, you might find that you forget to add expenses if you don’t write them as they occur.

If you have more than one spender in your household then make sure that everyone is in the picture and tracking expenses.

Add monthly bills that repeat themselves each month in advance and update if necessary. 

Categorize your expenses

This enables you to get a better picture of how much you spend in each category. Some of the printable trackers divide expenses into categories. Since the template is editable, feel free to change the categories if your needs are different. People generally categorize expenses into the following categories: housing, food, auto and transportation, travel, health, school or education, children, clothing, pets, entertainment, savings, giving, miscellaneous, etc. You can, of course, change the categories according to your needs.

Distinguish between expenses you need or want

When you distinguish between expenses that you need or want it will help you understand if you really need to spend something or just want to in which case you might decide to cut back if you need to budget. It is so much easier to avoid getting into debt than to get out of debt. Distinguishing between what you need or want will help you determine where you can cut back.

Make a savings goal

Many experts state that you should save at least 20% of your income (after taxes). To know how much you can save you need to know how much you have left each month assuming you don’t waste money. See our savings tracker printable.

Savings Tracker

Set a Monthly Budget

Use the Excel budget template or create a budget chart with any of the other printables. Go over your credit card statement, bank statements, bills, etc, to ensure that all your monthly expenses are included. The budget spreadsheet provided divides expenses into categories which helps ensure you don’t forget to include items in your budget. If you have expenses that are paid annually, include an average sum per month to ensure that your monthly and yearly budget template will be similar and that both are accurate. Once you have included all monthly expenses you will know how much you should be spending. This is a good stage to create a savings goal. Once you know how much you should be spending you can ensure your expense log is aligned and you don’t spend more than you should. A good way to ensure you reach your savings goal is to put that money aside at the beginning of each month before you start spending. That way, if you don’t have enough money you will have to spend less instead of saving less.

Budget templates

How Can you Reduce Expenses?

Once you have recorded all expenses in your spending tracker printable you will find it easier to determine how and where you can save. Most people are unsure about how to not spend money on things they don’t really need because they have never given much thought to what they need and what they want.

  • Sometimes, you spend less just by tracking your expenses. Similar to a food log that sometimes stops mindless eating when you know you will have to track what you ate. Suddenly, you actually give thought to what you spend and where your money is going.
  • Some of the printable trackers have a section to distinguish between expenses you want or need. This makes you think if you actually need something. Items in the “want” category are clearly the first ones that you will think twice about buying.
  • Try to find cheaper places to purchase items or services that you need. Sometimes, if you spend some time researching you might find a cheaper place. This will enable you to spend less without cutting back.
  • Can you make some of the things that you buy? If you spend a lot on store-bought coffee or take-outs this is an easy way to save. Make homemade meals and take coffee from home in a travel mug. Homemade meals will not only save money but they are healthier as well.
  • Try a 30 day no spend challenge.

No Spend Challenge

No Spend Challenge

Challenge yourself to avoid spending money for one month and use this money challenge chart to keep track of your progress. Decide ahead of time what you will purchase during your spend free month. These exceptions should be things that you can’t and shouldn’t go without and they can include things such as food and gas. At the end of the month, you might have an emergency fund or be able to pay off some debt. 

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Comments

  1. Aline says

    August 3, 2020 at 10:12 am

    THANK YOU SO MUCH. SO MUCH. I LOVE YOU I WISH YOU ALL THE HAPINESS IN THE WORLD

    Reply

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