PRINTABLE BUDGET WORKSHEETS

Budget Worksheets

Use these budgeting worksheets with our lesson plan or for teaching your own budget lesson plans. Monthly and daily student budget sheets. Personal budget form.

STARTING A BUDGET INTRODUCTION

Starting a Budget Introduction

Printable budget lesson starter worksheets for a lesson introducing budgeting.  Includes creating a personal budget for yourself, and earning money while prioritizing needs and wants.

WHAT IS A BUDGET? VIDEO LESSON

What is a Budget?

A lesson about budgets, what they are, and why we use them.

HOW DO I BUDGET?

How do I Budget?

Students learn what a budget is, why they should budget, and how to set up a simple budget.

INTRODUCTION TO BUDGETING LESSON:

FIXED AND VARIABLE EXPENSES

Budget - Fixed and Variable Expenses

This is an introductory worksheet.

Students learn and identify fixed and variable expenses to help understand how to create a budget.

EARLY MONEY BUDGET WORKSHEET:

CHILDREN'S BUDGET

Children's Budget Worksheet

Use these worksheets to teach basic budget concepts. Even a child should understand basic personal finance concepts.

ESTIMATING YOUR GROCERIES

Estimating Your Groceries

Students practice their skills at estimation while shopping for groceries.

NEEDS OR WANTS

Needs or Wants

An important budgeting money concept is understanding the difference between needs and wants.

NEEDS AND WANTS VIDEO LESSON

Needs and Wants

Understanding the basic difference, between needs and wants, is crucial to good financial decision making. Students learn how to determine and prioritize their needs and wants and will also learn how to decide whether certain items are a necessity or a desire so they may demonstrate how different people interpret their own needs and wants.

UNDERSTANDING YOUR MONEY HABITS

Understanding your Money Habits

In this lesson, students learn to understand and identify what are their money habits. Every money decision you make either reinforces good or bad money habits. The first step toward creating good money habits is to first identify the money habits you currently have.

SPENDING LOG

Spending Log

In this lesson, students keep a log of all their spending for products and services for a week to help identify their spending habits and patterns.

COMPARISON SHOPPING WORD PROBLEMS

Comparison Shopping Word Problems

Learn about comparison shopping with this word problem worksheet.

MAKING A BUDGET WORD PROBLEMS

Making a Budget Word Problems

This is a word problem worksheet for a lesson in basic budget concepts.

HOW TO MAKE A BUDGET - VIDEO LESSON

How to Make a Budget

BUDGET LESSON PLAN

Budget Lesson Plan - Create a Budget *

Learn what a budget is how to put one together activity.

BUDGET PLAN

Budget Plan Worksheet  *

Put together and categorize a budget.

This is a good introductory worksheet showing what a simple one looks like. This worksheet is random, so every time you choose the link, a new worksheet is created.

SIMPLE BUDGET

Simple Budget *

This worksheet takes a predetermined budget and the student is asked to fill in the monthly items and determine if they are above or below their estimates. It also teaches and reinforces basic math skills.

BUDGETING FOR SCHOOL SUPPLIES

Budgeting for School Supplies Lesson

A lesson for students on budgeting for school supplies, focusing on understanding financial priorities, tracking expenses, and implementing cost-saving strategies. They begin by identifying their financial starting point, recognizing income sources such as allowances, savings, and part-time jobs. From there, they delve into the significance of categorizing items into must-haves, luxuries, and intermediate essentials. The lesson concludes with the realization that budgeting transcends school preparation; it’s a lifelong skill that refines over time.

BUDGETING WORD PROBLEMS

Budgeting Word Problems *

Test basic math skills while answering related questions.

SPENDING PLAN

Spending Plan

Students will use given information to create a monthly spending plan, also known as a budget. In this lesson, they will develop the abilities needed to make an effective plan to budget monthly spending goals.

GROCERY SHOPPING WITH COUPONS

Grocery Shopping with Coupons - Introduction

Use the coupons and answer the questions about grocery shopping with coupons.  An introduction lesson on using coupons and discounts.  Basic money math.

STUDENT BUDGETING: ESTABLISHING A REALISTIC BUDGET

Student Budgeting: Establishing a realistic budget

Students learn about creating a realistic budget.

PLANNING EFFECTIVE FINANCIAL GOALS

How to Set Financial Goals

A lesson for students on how to build wealth and navigate your financial future by setting solid and achievable goals with our step-by-step guide. Covers everything from prioritizing objectives and creating SMART goals to budgeting and progress tracking. The tutorial covers various topics such as prioritizing individual financial objectives, whether that involves paying off student loans, purchasing a home, or embarking on investments. The lesson demystifies seemingly daunting financial goals, breaking them down into manageable tasks and highlighting the importance of creating realistic budgets. Students will understand how to allocate funds properly to avoid financial pitfalls, enabling them to take control of their financial destinies.

Planning Effective Financial Goals

In this lesson, students learn to figure out their desired financial objectives by planning smart and effective financial goals that will help them achieve their goals. They will set financial goals that are specific, measurable, attainable, relevant, and time-bound.

How to Balance Short-Term vs. Long-Term Financial Goals

A lesson on how to balance and prioritize between short-term and long-term financial goals, laying a foundation for a stable and independent financial future. Students learn about setting and prioritizing financial goals through a video lesson. Topics discussed include defining short-term and long-term goals, along with providing real-world examples of each. Students are guided through a step-by-step process of assessing their financial situations, listing, categorizing, and prioritizing goals, as well as developing actionable plans to achieve them. Strategies such as creating budgets, allocating income, and utilizing appropriate financial tools like high-yield savings accounts or tax-advantaged accounts like IRAs or 401(k)s are covered to facilitate understanding of the pathway to financial freedom.

CASH ENVELOPE BUDGETING  

What is Cash Envelope Budgeting Lesson

A lesson for students on cash envelope budgeting, commonly known as cash stuffing or envelope stuffing, and how it can transform your financial habits and help you save effectively. Students learn about cash envelope budgeting, a method that involves allocating cash to different spending categories such as groceries, entertainment, and dining out. The lesson covers the fundamentals of setting up a cash envelope system, the psychological impact of spending physical cash versus using cards, and how this method can improve spending habits by encouraging mindfulness and discipline.

LOUD BUDGETING

Loud Budgeting: New Saving Money Trend Lesson

Students learn the significance of financial transparency and responsibility through "Loud Budgeting," a trend made popular on TikTok and social media. This personal finance approach involves openly discussing financial constraints and balancing savings with joyful activities. Utilizing budgeting apps and specific-goal savings accounts, students learn effective money management and challenge luxury spending trends. While not new, loud budgeting has gained attention for its blend of humor and seriousness in financial decision-making. By adopting this method, students embrace financial honesty, overcome spending stigmas, and pursue financial stability, inspiring a redefinition of success.

COLLEGE BUDGET LESSON  

College Budget

Many college students discover too late that they need to learn how to budget their money.  Use this budget lesson plan and worksheet on the subject of college budgeting to help teach related principles.

BUYING A CAR LOAN INTRODUCTION

Buying a Car - Loan Introduction

A car is often one of the more expensive items we purchase.

Read the car advertisements and answer the questions about taking a car loan with this loan worksheet. Learn about down payments and finance charges.

PURCHASING AND FINANCING A CAR

Purchasing and Financing a Car

Learn about purchasing and financing a car by filling in the missing financing calculations.

CAR INSURANCE LESSON

Car Insurance

An introductory lesson on basic car insurance terminology.  Learn about car insurance monthly premiums and answer the questions about choosing car insurance.  Teaching lesson focus is on price comparison, and early understanding of basic liability insurance.

RENTING AN APARTMENT

Renting an Apartment

Learn to read the apartment advertisements and answer the questions about choosing an apartment to rent.

Lesson focus is on rent comparison.

MORTGAGE LOAN CALCULATION

Mortgage Loan Calculation

A worksheet introducing students to the concept of a mortgage loan. Also introduces the concepts of down payment and closing costs.

FINANCIAL MANAGEMENT SKILLS ASSESSMENT

Financial Management Skills Assessment

Students assess their own financial management skills by taking the money management self-assessment. This assessment will help students identify their current knowledge or money management as well as areas that need instruction regarding money and finances.

CREDIT CARDS

Credit Cards

Credit cards, credit, and paying interest.

A fundamental understanding of credit cards is important since people often exceed their budget by overspending on their credit card.  Use these lessons to help with your understanding of credit and credit cards.

REAL WORLD BUDGETING - COTTAGE BUDGET

Cottage Budget Lesson

Students must design a cottage and stay within the specified budget.  Practice real-word budgeting problems, while actively applying logic and algebraic knowledge.  Students must understand evaluating alternatives, cost/benefit analysis, work with a budget, and substantiate their analysis.

VACATION AND TRAVEL

Vacation and Travel

Costs for vacation and travel can often be more than we anticipate.  Use this lesson to help teach and learn about budgeting and spending for vacation travel.

SPENDING MONEY

Spending Money

Worksheets and Lessons with a spending money theme. Learn about spending money issues to help with budgeting lessons.

HOW TO PREPARE FOR A RECESSION VIDEO LESSON

How to Prepare for a Recession

A lesson on how to prepare for a recession, economic loss, or potential job loss. Learn important steps and tips to help prepare and protect yourself for a decline in the economy, a layoff, job loss, unemployment, or other related event.

MONEY MANAGEMENT

Money Management Lessons

Lessons designed to provide an in-depth understanding of the fundamentals of money management. This field entails strategic planning and effective oversight of budgeting, saving, investing, and spending to optimize financial resources. It encompasses key financial practices, including setting clear financial goals, developing and adhering to a practical budget, managing debt efficiently, and proactively planning for future financial needs. These lessons are crafted to equip individuals with the essential knowledge and skills for sound financial decision-making.

GOVERNMENT ASSISTANCE PROGRAMS

What is SNAP? Eligibility and Benefits of the Supplemental Nutrition Assistance Program

This lesson explores the Supplemental Nutrition Assistance Program (SNAP), focusing on its eligibility, benefits, and how it aids Americans in maintaining a healthy diet affordably. It introduces the Electronic Benefits Transfer (EBT) card for essential purchases and addresses the stigma associated with SNAP. Highlighting SNAP's crucial role in ensuring access to nutritious food, the lesson underscores its importance in providing security and supporting personal aspirations during challenging times.

ADDITIONAL LESSONS

Money Responsibility
This lesson introduces students to the concept of being responsible for managing money through accurate record-keeping.

Budget to Save—The Balance Sheet
This lesson begins with dispelling common myths about millionaires. Students then have an opportunity to give their opinions of wealth in a brainstorming activity that culminates in a formalizing of the definition of wealth through the equation of “assets – liabilities = net worth.”

Developing a Budget
With financial goals in mind, students work in pairs to complete a budget analysis for a fictitious high school senior who needs to save money. The lesson concludes with a personal budget development activity that uses the information on expenditures that was collected during the two-week data gathering period.

Your Budget Plan – Spending Behaviors
Students work in pairs to participate in a “Track Star” game that illustrates positive and negative spending behaviors. Each pair analyzes the game results, identifies effective and ineffective budgeting behaviors, and generates a list of budgeting principles.

BUDGET RELATED INFORMATIONAL ARTICLES

Creating a Budget by Tracking Expenses
The first step towards creating a budget is monitoring and categorizing your spending.

Sample Budget
A sample monthly household budget.

How to find your Dream Apartment
Finding your dream apartment starts with understanding your "must haves" and
wants.

5 Steps to Budgeting Success
Some helpful advice on achieving budgeting success.

4 Budgeting Pitfalls to Avoid
Having a budget is an important part of disciplined money management.  Here are some tips to help you stick to your budget.

Effective Budgeting
Here are a few tips to help you budget effectively, practice good money management, and lead a debt-free life.

More Budgeting and Budget Planning Information
Information, tips, and advice on how to budget.