Budgeting Forms

by Jason Cabler · 10 comments

These are the downloadable budgeting forms and debt elimination (“The Debt Rocket”) worksheets that I use in my “Celebrating Financial Freedom” course, complete with instructions on how to use them.

You Can Have Them For Free!


Download your printable Budgeting Forms here:

Standard Monthly Budgeting Forms

Variable Income Monthly Budgeting Forms


Download your printable “Debt Rocket” forms here:

Debt Rocket example

Debt Rocket fill-in-the-blank forms


Want more details on how to make a budget and get complete control over your money?  These posts will do the trick.

Need to learn every step it takes to get out of debt for good?  Read these posts and Check out the CFF video course.


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  • caringfella

    I am in Sydney Australia and am on (DSP) Disability Support Pension. I was so sick of being behind with my bill payments, I decided to be pro-active rather than passive. Because I get paid directly into my bank account and I receive income every two weeks, I decided to make all my bill payments electronically and on a regular basis. Each payment goes into my account on a Monday and Tuesday mornings my bank makes all my allotted payments. Whatever is left in my account is for me to use as wisely or not as I want. The amount I pay each two weeks was found by getting my bills and making them all yearly amounts – monthly bills x12, quarterly bills x4, etc., then I divided by 25. I wanted to leave a bit of leeway for incidentals like price increases. So now I make 26 payments each year on bills that are worked out to be covered in 25 payments. Some billers requested me to cease making payments because I was so far in front I was now a liability and not an asset of debt that they could sell off to debt collection agencies.

    • http://www.CFinancialFreedom.com Dr. Jason Cabler

      I like the concept of automating your finances like you have done. It’s a great way to pay bills and stay on top of things. I don’t know if you do the same thing with savings and investing, but if you make it a practice to automatically pay into a savings or investment account as well, that’s a great way to build wealth on an automated basis.

      If you get too far ahead on your bills, you could also skip a month or two and send that money into savings and investment as well.

      Congrats on getting control of your money! Being proactive always works!

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  • O

    Just found the site from whitecoat investor. Looks like a nice set up.. for the Million Dollar question: How does the non doc spouse finally convince the doc spouse that we need a budget. I have tried almost every angle I can think of.
    My requests are met with lots of resistance, whines of “I want to enjoy the fruits of my labor,” “I don’t want to do the work,” etc.
    I asked for us to get on one for my birthday present.
    That was 18 months ago.
    I have a few friends in a similar boat. The waste and opportunity cost of not getting on a budget are tremendous. Any ideas on getting the spouse, err, the HIGHLY resistant spouse on board would be appreciated.
    PS: There’s no possibility of money problems, gambling habits, etc.. really more stupid excess consumption and spending. I handle all of that sort of stuff in the house and have begged my spouse to be more involved with no such luck.

    thank you for what you’re doing here.

    • http://www.CFinancialFreedom.com Dr. Jason Cabler

      Obviously, you can’t change someone. They have to be motivated to change on their own. So what you have to do is give your spouse incentive to change their view of budgeting. You may have to put some pressure on your spouse, intimating that if they won’t meet you halfway in this debate, that it could end up causing friction in your marriage.

      Also, if you’re the one that’s the most motivated to do a budget, then go ahead and get a budget on paper, then present it to your spouse for discussion. It may cause a disagreement, or it may open a constructive conversation, but at least you’re making an attempt. Tell your spouse that you want to do this together and that their input is important to the plan. If they just don’t want to participate, then implement the budget as best you can and continue to move forward.

      Let your spouse know that a budget is not about deprivation and being constricted financially, it’s about control. It’s about being able to enjoy life now as much as possible without compromising your future. Tell them you want to be able to have a great future just as you have a great present.

      The funny thing about doing a budget is that you find out where all the waste is happening, so you feel like you get a raise because you’re cutting out waste. When your spouse is able to see those kinds of results, they may change their mind.

      Good Luck! If you have any more questions, please don’t hesitate to let me know.

  • birgit85

    Recently I was really, really low on cash and debts were eating me from all sides! That was UNTIL I decided to make money on the internet. I went to surveymoneymaker dot net, and started filling in surveys for cash, and surely I’ve been far more able to pay my bills!! I’m so glad, I did this!!! With all the financial stress these years, I really hope all of you will give it a chance. – i9aq

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