Use NerdWallet's free template to make a budget that aligns with the 50/30/20 spending rule. A budget can show you where your money is going so you can make changes if needed.

You'll find a plethora of helpful financial tools on the company's website, including a variety of free budgeting templates.

Creating a monthly budget can feel like herding cats—things go in every direction, and somehow your money disappears before the month ends. But with the right approach (and a solid spreadsheet), you ...

Key Takeaways. Budgeting can help you gain more control over your financial situation and meet your goals. You don't have to start from scratch and create a budget spreadsheet manually.