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Family budget planner printable to help with the cost of living

In today’s economy, it’s more important than ever for families to track their spending and adhere to a budget. This single family budget planner is designed to help families organise their finances a little better, identify savings opportunities, and reach their monetary goals during these challenging times. There are various different savings calculators out there that can help you see how your budgeting fits in with any savings goals you have. These complement this printable really well to give you a comprehensive picture of your family’s finances.

This is a collaborative post.

An advertisement featuring a family budget planner. It includes sections for income, expenses, and savings. Toy blocks, a toy car, and a jar of coins surround it.

Why do families need a family budget planner and a strategy for budgeting

What’s the point of all this we hear you ask? Well, there are a number fo reasons that a budget planner can help you as a family, particularly if you are working together to create it:

1. Manage expenses as a team

Having a centralised place to track all income sources, bills, and variable expenses fosters open and honest communication between parents about the family finances. Working together as a team makes budgeting feel less restrictive and helps ensure everyone sticks to the plan. You don’t have to share everything of course, just what you are comfortable with. Perhaps there are sheets for each child, depending on their age, and you just share what is relevant to them?

The older the child, the more you can share. This isn’t about creating anxiety around finances for children, but more abour educating them on what budgets are.

perhaps pick a specific topic area, and then do the planning around that.

Something that can work well, is using lunch food as an example. This helps kids to both understand the costs of items, and where they can make savings too, such as not buying a drink at lunchtime, but taking in their own water. Of course, this is much greener too 😂

A small pink ceramic piggy bank with a slot on top stands against a white background. It's a simple and cute representation of savings.

2. Balance competing priorities

Today’s families have many expenses competing for their limited funds. From housing costs, groceries, transportation, childcare, activities, clothing needs, and more, families must allocate their money wisely to what is most important. This planner provides visibility into the family cash flow so you can find the right balance.

Keep one for yourself, while sharing the personalised ones for the kids!

4. Save for financial goals

Building up savings is crucial, even when money is tight. Small lifestyle changes that free up funds can add up substantially over time. Consistently monitoring your budget makes it easier to save for family goals like an emergency fund, vacation, college, or new home. Tracking savings progress also helps teach kids positive money management habits.

The image shows a person holding a collection of shiny golden coins in open hands, with a blurred red background enhancing the coins' brightness.

5. Adapt to changing circumstances

Family budgets need flexibility to accommodate changing circumstances like a job transition, move, new child, or other life event. Using the planner on a monthly basis makes it easy to adapt your spending plan to evolving family needs and income fluctuations.

Understanding the printable budget planner pages

We have, as always got a couple of pages for you within this printable, with a few different sections for you:

Income tracker

On this page, record all income coming in each month with dates, sources, and amounts. Be sure to include salaries, government assistance, child support, investment/interest income, side jobs, and any other monies coming in. Tally up the total monthly income.

Expense tracker

Use this sheet to break expenses down into common categories like housing costs, groceries, childcare, children’s activities, clothing needs, transportation, utilities, fuel, and miscellaneous costs. Add up the category totals monthly.

Savings tracker

Calculate your total monthly savings by subtracting your overall expenses from the total monthly income. Compare this to your family’s target savings number to stay motivated.

To download this planner, just click on the button of the image below:

Additional tips for family budgeting success include:

  • Involve kids in age-appropriate ways – like tracking savings progress. Teaching money skills early pays off tremendously,
  • Set family meetings to review the budget and spending goals. Make budgeting a regular conversation. However it IS important not to make kids anxious about money, so do the meetings in a light-hearted way. get the Monopoly money involved 😂,
  • Build in rewards when goals are met, like a family fun day after hitting a savings milestone, and
  • Always avoid guilt or blame if mistakes happen. Focus on working together to get things back on track.

With some diligence and teamwork, this comprehensive family budget planner can help your family master your finances and achieve your money goals, even when times are tough. Consistent tracking provides visibility and control that makes all the difference.

if you are looking for more printable around money, we have a few on the site that are worth taking a look at:

Money saving printables on KiddyCharts

Here are some more ideas and printables for saving money on KiddyCharts - we hope that these help you out a little bit more with those money worries.

Here are some more ideas off site as well:

Budgeting ideas from outside KiddyCharts

Here are some more ideas for budgeting that we hope that you will find useful.

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The image features a family budget planner advertisement with a "Download Now" button, toys, an illustration of a family, and a jar of coins.

Helen is a mum to two, social media consultant, and website editor; and this site is (we think) the only Social Enterprise parenting magazine! Since giving up being a business analyst when juggling travel, work and kids proved too complicated, she founded KiddyCharts so she could be with her kids, and use those grey cells at the same time. KiddyCharts has reach of over 1.1million across social and the site. The blog works with big family brands (including travel) to help promote their services, as well as offering free resources to parents of kids under 10. It gives 51%+ profits to Reverence for Life, who fund a number of important initiatives in Africa, including bringing running water and basic equipment to a school in Tanzania. Helen has worked as a digital marketing consultant (IDM qualified) with various organisations, including Channel Mum, Truprint, Talk to Mums, and Micro Scooters. She loves to be creative in the brand campaigns she works on. Get in touch TODAY!

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