Virtue Money believes that budgeting and planning are the fundamentals to ensure you have enough to do what you want to do. With that said, we have created a few budget sheets you can print out to help you save, budget and enjoy spending sensibly within your means.
To download any of our free guides, please click on the icon featured under each heading.
Are you planning a holiday? You will need to consider budgeting before you go to ensure you have enough money to spend. Virtue has designed a free travel budget itinerary to help you keep track of your spending whilst away as well as giving you a clear overview of your holiday and dates to keep in mind.
Saving up money per month can help you to reach your goals and allows you the freedom to do something you like. Setting goals for yourself each month can help you budget and monitor your spending and saving. Using our free monthly planner can allow you to set goals for the month, keep track of important dates which may include birthdays, holidays, plans and bills which you need to budget for.
Food shopping, you either love it or loath it. Setting a weekly budget for food is a great way you can start to save money. Whilst shopping, why not plan your meals & ingredients before you shop to stop the ‘hungry shopper’ purchasing unnecessary food items. Also, try and price compare on items to also help you save money. By looking at what you spent and saved each time on your food shop, you will be able to see how much spare money that you can either save or spend elsewhere. We have created a free weekly food planner here.
Virtue Money have created a free 12 month saving timeline which allows you to clearly see how much you have saved each month. Why not try cutting down on something small, like buying coffee or eating out less and see how much you can save as the months go on – trust us you will be amazed.
For those of you who love a list, our free daily planner will be what you need. From monitoring your daily meals, water intake to appointments and chores this plan will help you organise your day. Of course, we have also including a daily money tracker where you can note what you have spent that day and how much your current balance holds. Furthermore, a list for things you may need to buy that day. By planning daily, it allows you to handle your money through income and expenditure.
Chores are a wonderful way to not only ensure the house work is completed weekly but also allows for extra rewards for children. Setting your children goals such as chores that provide rewards after completion will help them to understand the value of earning as well financial independence for the future. Remember that they do not have to be rewarded with only money, it could be a week treat such as a take-out or go somewhere where they do not have to pay.
By allowing your child to decide on an item they wish to purchase, you can use our easy to follow saving goal chart to help your child to budget and monitor income and savings. You just fill in the date you have decided on the item they wish to purchase and fill out the boxes according to the cost of item, money they earn (if they get pocket money or get birthday money/savings etc) which we recommend would be weekly or for larger items monthly. From this you both can work out how long it will take to save up for the item. If there is any money left over after the purchasing, you can note this and put it into further savings for something else. This process is teaching children the importance of saving, earning and financial independence – all life skills.
Every month you will receive a salary when you are working. Virtue Money have designed a free and easy to use monthly paycheck budget planner which allows you to clearly see your bills/expenditures as well as letting you see what you will have once these are deducted from your pay. Furthermore, if you have something you are saving for that month, you can see what you can afford that month. Monitoring your income and expenditures is a vital financial basic.
Understanding the fundamentals of family finances and budgeting is a fundamental skill for many. Our free guide explains the different financial products to consider as a family and provides tips and links that can help when starting to build a financial plan for you and your family.
Understanding finances and the importance of saving and budgeting is key to future life – with this said, Virtue Money has created a free downloadable Money and Saving activity book for children.
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