Simple One-Page Monthly Spending Tracker Template

Are you tired of trying budgeting apps, spreadsheet budgeting templates, or multi-page printable budgeting templates to manage and track your spending? Wouldn’t it be great if you could manage and track all your spending on a simple one-page monthly spending tracker?

My printable one-page monthly spending tracker template allows you to track all your important spending in less than one hour a month!

One-Page Monthly Spending Tracker Template

Step-by-Step Instructions to Build Your Template

• Complete your 15-Second Spending Plan eBook and transfer the data as follows:
  • Transfer your fixed expenses from Step 3a to your spending plan tracker
  • Transfer your variable expenses from Step 3b to your spending plan tracker
  • Transfer your periodic expenses from Step 3c to your spending plan tracker
  • Transfer your debt payments from Step 3d to your spending plan tracker
  • Transfer short-term sinking funds from Step 3eto your spending plan tracker
  • Print your One-Page Monthly Spending Tracker Template

Transfer your fixed expenses to your spending tracker template

Fixed recurring expenses, such as mortgage/rent payments, cell phone bills, subscriptions, pet insurance, and daycare expenses, are paid monthly in the same amount.

Transfer your fixed recurring expenses monthly amounts from Step #3a of your 15-Second Spending Plan to your spending tracker template as follows:

• Transfer the expense name in your 15-Second Spending Plan to column 1 of the spending tracker template.
• In Column 2 of the expense tracker, enter the day of the month the expense is due in the due date column of the spending tracker template.
• Transfer the monthly amount of your 15-Second Spending Plan to column 3 of the spending tracker template.
• In column 4 of the spending tracker template, enter the frequency at which you are paid.
  Enter 1 if paid monthly, 2 if paid bi-weekly or twice a month, and 4 if paid weekly.
• In column 5 of the spending tracker template, enter the result of column 3 divided by column 4. For example, the monthly rent of $1,000 divided by 2 equals a $500.00 target per pay.

Transfer your variable expenses to your spending plan tracker

Variable recurring expenses are paid monthly in varying amounts. Electricity, heat, and other seasonal expenses usually fall into this category.

The example below shows that the annual cost of electricity is $900. The $900 is then divided by 12 resulting in a monthly blended amount of $75

Transfer your variable recurring expenses monthly amounts from Step #3b of your 15-Second Spending Plan to your spending plan tracker as follows:

• Transfer the expense name in your 15-Second Spending Plan to column 1 of the spending tracker template.
• In Column 2 of the expense tracker, enter the day of the month the expense is due in the due date column of the spending tracker template.
• Transfer the monthly amount of your 15-Second Spending Plan to column 3 of the spending tracker template.
• In column 4 of the spending tracker template, enter the frequency at which you are paid.
  Enter 1 if paid monthly, 2 if paid bi-weekly or twice a month, and 4 if paid weekly.
• In column 5 of the spending tracker template, enter the result of column 3 divided by column 4. For example, monthly electricity of $75.00 divided by 2 equals a $38.00 target per pay.

Transfer your periodic expenses to your spending tracker template

Periodic recurring expenses are not paid monthly. These are bills like car insurance, renters/homeowners insurance, life insurance, professional fees, and real estate taxes.

In the example below, the $900 car insurance bill is paid every six months, resulting in a monthly payment of $150 ($900/6).

Transfer your periodic recurring expenses monthly amounts from Step #3c of your 15-Second Spending Plan to your spending plan tracker as follows:

• Transfer the expense name in your 15-Second Spending Plan to column 1 of the spending tracker template.
• In Column 2 of the expense tracker, enter the day of the month the expense is due in the due date column of the spending tracker template.
• Transfer the monthly amount of your 15-Second Spending Plan to column 3 of the spending tracker template.
• In column 4 of the spending tracker template, enter the frequency at which you are paid.
  Enter 1 if paid monthly, 2 if paid bi-weekly or twice a month, and 4 if paid weekly.
• In column 5 of the spending tracker template, enter the result of column 3 divided by column 4. For example, monthly car insurance of $150.00 divided by 2 equals a $75.00 target per pay.

Transfer your debt payments to your spending plan tracker

Monthly debt payments are recurring expenses too. These payments are car loans/leases, student loans, home equity loans, and credit card payments.

Transfer your debt payment monthly amounts from Step #3d of your 15-Second Spending Plan to your spending plan tracker as follows:

• Transfer the expense name in your 15-Second Spending Plan to column 1 of the spending tracker template.
• In Column 2 of the expense tracker, enter the day of the month the expense is due in the due date column of the spending tracker template.
• Transfer the monthly amount of your 15-Second Spending Plan to column 3 of the spending tracker template.
• In column 4 of the spending tracker template, enter the frequency at which you are paid.
  Enter 1 if paid monthly, 2 if paid bi-weekly or twice a month, and 4 if paid weekly.
• In column 5 of the spending tracker template, enter the result of column 3 divided by column 4. For example, a monthly car payment of $250.00 divided by 2 equals a $125.00 target per pay.

Transfer short-term sinking funds to your spending plan tracker

Sinking fund items helps you prepare for expenses you know will come up at some point. YNAB refers to these expenses as True Expenses.

In the example below, the annual estimate for car maintenance is $1,200.00. The $1,200.00 divided by 12 equals $100.00 a month to put aside for car maintenance.

Transfer your short-term sinking fund monthly amounts from Step #3e of your 15-Second Spending Plan to your spending plan tracker as follows:

• Transfer the expense name in your 15-Second Spending Plan to column 1 of the spending tracker template.
• In Column 2 of the expense tracker, enter the day of the month the expense is due in the due date column of the spending tracker template.
• Transfer the monthly amount of your 15-Second Spending Plan to column 3 of the spending tracker template.
• In column 4 of the spending tracker template, enter the frequency at which you are paid.
  Enter 1 if paid monthly, 2 if paid bi-weekly or twice a month, and 4 if paid weekly.
• In column 5 of the spending tracker template, enter the result of column 3 divided by column 4. For example, car maintenance of $100.00 divided by 2 equals a $50.00 target per pay.

Print your One-Page Monthly Spending Tracker Template

Congratulations! Your one-page monthly spending tracker template is now ready to use. Unlike typical budgets, which require continual updating, I recommend using this template for at least three months to track your actual monthly spending.