You don't have to start from scratch and create a budget spreadsheet manually ... get out of debt or build savings, a well-laid-out budget can help you reach your goals faster.

gather this information Before you get started with our free budget spreadsheet below, you’ll need some key financial information, including: Your take-home pay, or your monthly income after taxes.

"Building a budget doesn't have to be overly complicated or time-consuming," says Brittany Castro, former in-house CFP for Mint ... expense tracking budgeting spreadsheet in Excel, follow ...