Monthly Budget Planner

It's payday and you're on cloud nine! Your account balance is looking healthy again and you're ready to spoil yourself. I mean, isn't that the point of working a 9 to 5 job? Fast-forward to the end of the month and your savings balance is in the minus again. You're feeling pretty gloomy about being able to afford that trip through Europe next year.

Don't lose hope! To help you get on top of your spending and saving habits, Sunshine Loans has developed this handy and (most importantly,) free budget template. Get a better understanding of where and how you're spending your paycheck each month, so you can learn what you need to change to achieve your savings goals.

Once you have sorted out how you want to spend your cash from now on, compared to how you are currently spending your cash; you can get a more realistic view of your finances and start planning for your future accordingly.

Tailor this template to be a personal budget planner for you and be sure to keep track of results each month to find out how your spending habits change. Are you making an effort to achieve your savings goals? Have certain costs arisen that you may not have foreseen? Do you have any special occasions coming up that might hit your wallet hard? These are things you will need to take into consideration if you want a more thorough understanding of your expenses.

Monitoring your progress with your savings goals can also make budgeting more rewarding. For example, rather than treating yourself to the Nintendo Switch Console today, (which you have had your eye on for the last month or so), why not put that $500 towards that trip to Las Vegas with your mates? The more your savings build each month, the more you will have to spend on those big savings goals; allowing you to start planning for your next big trip. Caesars Palace Suite anyone?