Monthly Budget Template for Beginners — Printable PDF

Take control of your money with this simple, no-fluff monthly budget sheet. Whether you're new to budgeting, living on a tight income, or just trying to stretch your dollars, this printable template makes it easy to track what’s coming in, what’s going out, and what’s left.

✅ What’s Inside:

• 💼 Income tracker (job, Centrelink, side hustle, etc.)
• 💸 Fixed expenses table (rent, phone, transport)
• 🛍 Variable expenses section (food, shopping, personal care)
• 💰 Savings goal tracker
• 📊 Monthly summary: income vs expenses
• ✅ Bonus mini checklist for smart money habits

Perfect For:

• First-time budgeters
• Students, freelancers, or low-income earners
• Anyone trying to build better financial habits without overwhelm

Format: A4 Printable PDF
Delivery: Instant digital download after purchase
Use: Print it out or fill it in digitally with apps like GoodNotes or Preview

💡 Tip: Pair this with a side hustle tracker or rent planner to build your full money system.