Using a monthly expense tracker printable to keep track of your monthly expenses can really help you keep your monitor your monthly budget. It’s important to keep track of all of your total spending for a month to ensure that you are staying within your financial means.
If you’ve put financial goals in place, it’s important to track your spending across all of the different categories. While you may get your monthly statements for you credit cards, that is not the best way to keep track of your expenses because it will not show your overall financial habits.
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Writing down your expenses by category can help you keep your spending habits down. At the end of the month, you can review your spending patterns. And when you see when you see how much money you’ve been spending on specific items or categories, you may choose to make better different financial decisions the next month.
Now that everything is digital, it can be difficult to keep track of your bank account. So many bills are on autopay that we sometimes forget all of the monthly bills we are paying.
Writing down your daily expenses will help hold you accountable for the items you are spending money on. No matter what your financial situation is, even if you have financial freedom because you have a large monthly income or a large inheritance, it’s still important to keep track of your purchases.
If you are loooking to save money for a specific item or just to create an emergency fund or savings, the first step is going to be to know what your monthly spending looks like. It’s always a good idea to know exactly where all of your hard earned money is being spent on.
With the use of credit cards and tap and go with phones, it is so easy to lose track of what you’re spending your money on. We just tap to pay for something and move on. But those individual transactions really can add up quickly.
What Do the Pages in the Free Monthly Expense Tracker Set Look Like?
You get 3 different printable template options included in this free set.
The first sheet you get is a monthly spending tracker. This is where you will keep track of everything you are buying throughout the month. At the end of the month, it has an area for you to add up the total cost for the month.
Next, you will have the monthly bill tracker. This is where you will fill out each bill you pay for the entire month. These are things that are repeated bills (credit card, gas and/or electric, water, etc.)
Lastly, you are getting a monthly budget tracker. This is where you will write down your proposed monthly budget, the total amounts you spent in various categories over the month, and the total you spent altogether for the month. Then, you will determine the amount you are above or below your monthly budget.
This is a great form to sit down with at the start of the month, half-way through the month, and then at the end of the month.
How Do You Download the Free Printable Expense Tracker Template Set?
If you are already a member, you can click this download link here to get the free trackers.
You’ll need to sign up by email be a free Mom Envy Club member which you can click here to do. Once you sign up & confirm your free subscription, you’ll get the digital download emailed to you.
Or, you can scroll to the bottom of the page to click the large “Click to Download” image to get the free template set.
What Type of Spending Categories Should I Track in my Logs?
First, you should track any repeating bills. This includes:
- car insurance
- house insurance
- internet and/or tv
- gym membership
- monthly subscription networks for television/movies
- phone bill
- debt repayment
- electric and/or gas
- credit card bill
- money put toward savings accounts (college savings, emergency fund, etc.)
- tuition bill
- trash collection
Next, in the spending log, you should track more specific categories from your every day spending and personal expenses (from your credit card bill, cash payments, Venmo, Paypal, etc.) .
- grocery store bills
- medical bills
- hair appointments
- nail appointments
- clothing and/or accessories
- entertainment (movies)
- coffee runs
- eating out
- food delivery
- road tolls
- various lessons for yourself or children (instrument lessons, swim lessons, tutoring, etc.)
- business expenses
- misc. Target runs
- any online purchase
- home repairs
- cleaning and/or household supplies
- …and other variable expenses
Look for Patterns in Your Spending
Once you’ve had a few months of tracking sheets or even an entire year of expense sheets, you can really take a deep look at your overall spending. The sheets will become an essential tool to saving even more money.
Maybe you realize you’ve had a long run of spening way too much on coffee or maybe you haven’t put enough away for your child’s college fund. Or maybe you’ve been paying an extra cost to go to a gym but you’ve only gone twice in the last 6 months.
Any and all information you collect from your daily spending log and bills you pay on a monthly basis will give you insight to your spending habits.
Great for Small Businesses Owners
These trackers are great for small businesses in addition to personal budgets. Print a second copy of the pages each month to track all of your spending for your businesses. This will be especially helpful when you need to complete your tax return.
What Size Do the Savings Tracker Pages Come In?
They come in both letter size and Classic Happy Planner size.
Need a Different Size?
If you are looking to resize your planner printables, no problem. If you need a half letter size, just print 2 pages per page or print at 50%.
If you’d like to resize them to a more unique size, read my post on how to resize planner printables for any size planner.
What File Types are Included?
You will get the following file types:
- Printable PDFs
- PNG (transparent) digital files
Are you a Pen & Paper Person?
If you are a paper planner, you’ll want to download the PDFs or JPG images. You can print them to insert into a planner or as a stand alone printable.
Are you a Digital Planner Person?
We’ve got you covered, too! I suggest using the PNGs from the digital files. These transparent files can be pasted into any Digital Planner. The PDF file can also be used but they are not interactive. The best app for me to use for Digital Planning is Goodnotes.
What is the Best Paper to Use for the Expense Trackers?
I suggest printing the free trackers on a sturdier paper such as a 32 lb paper, like this one from Amazon. You can use standard printer paper as well, but the thicker paper keeps pens and markers from bleeding through to the back.
Can I Print the Pages Elsewhere?
Yes! You can send the free printables of your choice to a local print shop to print it if needed.
Do You Sell the Printed Files or Can You Mail Them?
No, unfortunately I do not sell a physical product of any kind. The only option is to download the digital files and print them yourself.
Looking for More FREE Money Management Printables
Do you have a lot of savings goals? Are you looking to save a little extra money?
Do you have further goals for your personal finances? I have some other free budget and money saving printables on my site you can use instead.
- Free no spend printables (one of the best money savings tools)
- Free bullet journal style printables (this includes saving habit trackers like a cute piggy bank!)
- Free budget planner stickers
- 30 free budget printables round up (a mix of printables from my site and fellow bloggers)
- 100 envelope challenge (this uses the cash envelopes system to save money for something of your choice. It’s a great way to start a savings)
Sign up for the FREE Mom Envy Club
Want access to our hundreds of free printables including this free monthly tracker pdf? You can subscribe by email for free to our free Mom Envy club. It will get you the members only password which will give you access to ALL of our free files. Click here to subscribe.
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