Income & Expenses
Plan better Live Better
Budgeting Worksheets

Budgeting is the key to managing your money well.

On this page, we are sharing tools & spreadsheets to help organise the chaos.


Completing a budget sheet and a debt schedule will reveal your financial position as long as your figures are accurate. A budget sheet and a debt schedule are the fundamental tools of budgeting that provide a place to start planning your financial future. 



When estimating dollar amounts always...

Round down income

Round up expenses

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Where to start? 


It doesn't matter which sheet you start with but if you have debt that is worrying you - you might want to start with the debt schedule. 

This worksheet to used to keep all your debt information together. Debt is stressful. As much as we try to avoid thinking about it can keep us awake at night and the stress of it can impact on our wellbeing and our relationships. 


Having said that, to take control of our finances we must know exactly how much we owe and to whom we owe it. 

This sheet is a simple list format designed to gather all the important things to know about our debts. 

Columns include: 

  1. Creditor name is the person or company you owe money to. Include all your debts even if they are old and have already been sent to collections and you haven't got a current payment plan - put 'em on the list. 

  2. Total debt is the total amount you still have to pay off. If you don't know exactly just put the amount you think it might be and include a note in the comments column to remind you to find out. 

  3. Secured or Unsecured column is asking if the debt is secured or unsecured. With a secured loan if you default on your payments or get behind the creditor can seize property and sell it to recoup the funds owed.  Simply put, that means if you stop paying - something will be repossessed. With unsecured debt, the creditor may take court action to collect what is owed if the loan/account goes into default. 

  4. Overdue is asking are you behind with any payments, or are payments are overdue. If so, put how much is overdue in this column. 

  5. Payment amount is the amount you agreed to pay each week, fortnight or month. 

  6. Frequency is how often you make payments ie weekly, fortnightly or monthly etc... 

  7. Interest rate is the rate of interest you are paying, on the loan/contract. Note the frequency that the interest is calculated if you know it. 

  8. Priority is asking you to rate or prioritise the debt in order of importance. There is no right or wrong, this column simply indicates to yourself in which order you'd prefer to tackle the list. As a general guide, any payments that are overdue and at risk of penalty fees and interest or repossession would be a higher priority because they are costing you money. 

  9. Comments/Notes is simply that - somewhere to add extra key points that are important or reminders for you to follow up.

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"In this example, Mary-Jane is worried about her power being cut off but she has no worries  with her no-interest loan"

"Mary-Jane will pay $600 more for her Good Deals Loan in interest over the term of the loan"

Download Debt Schedule

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Gisborne Budget Moni Ora is a provider of Building Financial Capability services under contract to the Ministry of Social Development

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