Creating a budget on paper has the advantage of being always useful, not just when the computer is on.
Budgeting on Paper
At first you need to decide if you will budget the same amount for costs and income for each month, or if you will be budgeting fluctuating amounts across the year. And only after that you can create your own budget form with a pen and paper or a word processor. For it you will need the method you choose in your budget form.
 This system is very removable and always useful. So, you can see the advantage. But there is also a disadvantage: you will pinch your budget and there always will be the necessity to redo or even to rewrite it completely. In spite of it setting up a budget can be as simple as using your writing instrument and a ruler.
If you budget the same amount each month, at first, draw two columns on paper - one for income and expenditure categories and the other one for the monthly budgeted amount for each category. You will need a column for the budgeted kinds and also twelve columns to contain monthly amounts, if your income or costs vibrate monthly.
You must to add up combined income and costs in a total row at the bottom of the budgeted amounts column. But total each month individually if you are going to budget for twelve months. To be sure you are not over- budgeted, then try to total expenditure rows, which have to be compared to joint income.
Printing Out Budget
This is A good solution to print out a blank budget form from a web site for those who are eager to create their budget by hand but don't want to have to redraw lines for columns and rows when the budget changes.
If you decided to have hand-written budget, than you need to determine if you will budget the same amount for costs and income for each month, or, on the contrary, if you will be budgeting fluctuating amounts across the year. In case you’re going to work with a static budget amount month after month, then your task will be to create two columns - one for the budgeted category and the other one for the amount budgeted.
Budgeting different monthly amounts demands a category column and a column for each month in a year. You can see if total expenses surpass total income having comprising a joint row beneath the budgeted amounts.
You are free to make your choice. Think and decide what type of budget form you need!
| 
