65/20/10/5 Budget Spreadsheet Template | Excel & Google Sheets
Tax included
COUPON CODE
- 40HUB – Purchase 2 or more items and enjoy 40% off your entire order!
65/20/10/5 – Conservative Spending Plan (Ideal for those prioritizing stability and debt control)
Managing money doesn’t need to be complicated. If you value financial stability and want to prioritize debt control, the 65/20/10/5 Conservative Spending Plan is the perfect solution for you. This method focuses on covering your essentials, maintaining some flexibility for life’s pleasures, and taking a disciplined approach to savings and debt.
Here’s how the 65/20/10/5 plan works:
- 65% NEEDS – The majority of your income goes toward ensuring your vital expenses are covered. This includes essentials like housing, utilities, groceries, healthcare, and transportation. With 65% of your income focused here, you’ll always have the basics well-managed, giving you peace of mind.
- 20% WANTS – While the essentials are covered, this portion allows for some flexibility in your lifestyle. Whether it’s dining out, enjoying entertainment, or taking short trips, this category gives you room to enjoy life without compromising your financial health.
- 10% SAVINGS – A strong focus on savings ensures your financial future remains secure. This portion of your income is dedicated to building an emergency fund, saving for retirement, or investing in long-term goals. Even small savings can add up over time and provide you with financial peace of mind.
- 5% DEBT – Responsible debt management is a key part of this plan. Whether it's credit card debt, student loans, or any other liabilities, this category ensures you’re making consistent progress in reducing your debts and moving toward financial freedom.
Who is this plan for?
- People Focused on Stability: If you value having a stable financial foundation and want to ensure that your needs are always covered, this plan is ideal for you.
- Debt Controllers: If you’re currently managing debt and want to pay it off without sacrificing your lifestyle, the Conservative Spending Plan helps you stay on track without adding unnecessary stress.
- Those Who Prefer a Balanced Approach: If you’re looking for a plan that prioritizes your essentials, but still leaves room for personal enjoyment and savings, this is the right choice for you.
Why choose the 65/20/10/5 plan?
- Financial Stability First: With 65% of your budget going to cover your needs, you’ll have confidence knowing that all of your essential expenses are handled, reducing financial stress.
- Room for Enjoyment: Even though you’re focusing on financial security, you won’t be sacrificing all of life’s pleasures. The 20% allocated for wants ensures you can still enjoy activities like dining out, hobbies, and travel.
- Savings Made Simple: With 10% dedicated to savings, you’ll be steadily building up your emergency fund and saving for long-term goals, without feeling the pinch.
- Debt Control: A 5% allocation for debt repayment ensures you're making steady progress toward reducing liabilities, getting closer to a debt-free life.
Benefits of the Conservative Spending Plan
- Simple & Effective Budgeting: The 65/20/10/5 method offers a clear structure, so you know exactly where your money is going each month.
- Balanced Lifestyle: This approach allows you to balance your responsibilities with your desires, ensuring a good quality of life while maintaining financial discipline.
- Reduced Financial Stress: With a focus on stability and debt management, you’ll feel more in control of your finances and have greater peace of mind.
The 65/20/10/5 Conservative Spending Plan is available as an easy-to-use template for Google Sheets and Excel, making it simple to implement and track your budget in real-time. Whether you’re new to budgeting or looking for a more effective system, this plan is designed to help you stay on top of your finances, achieve your financial goals, and build a more secure future.
WHAT’S INCLUDED?
- Step-by-step instructions
- 4 Templates of Spreadsheets
- Sample Google Sheet with Mock Data
- Blank Google Sheet
- Sample Excel with Mock Data
- Blank Excel
- Editable in Google Sheets and Microsoft Excel
- Compatible with MAC, PC, Phones, or Tablets
HOW IT WORKS & REQUIREMENTS
YOU WILL NEED:
- A device to access Google Sheets or Microsoft Excel
- A Google Account (if using Google Sheets)
- Microsoft Excel software (if using Excel)
- Basic computer skills
HOW IT WORKS:
1. Purchase and download instantly.
2. Open the PDF file to access the Google Sheet link.
3. Download the Excel template.
4. Open the spreadsheet and start planning!
IMPORTANT TO KNOW:
- This is a digital download; no physical items will be shipped.
- Due to the nature of digital products, all sales are final, and refunds are not available.
COLOR DISCLAIMER:
Please note that colors in the spreadsheet may vary slightly due to screen display differences on your device. This can include variations in color on phones, tablets, and computers.
Note: For the best experience, we recommend using a desktop or laptop for full editing capabilities.
NEED HELP? If you have any questions, feel free to reach out to us at spreadsheetshub.office@gmail.com or info@spreadsheetshub.com. You can also contact us on WhatsApp for assistance.
FAQ
How will I get access after purchase?
- Once your payment is confirmed, you’ll receive an email with your purchase details and access links for both the Google Sheets and Excel versions of the template.
How long will it take to receive my template after purchase?
- Instantly! No delays or manual processing. This is a digital download, and you will receive access to your templates immediately in two ways:
1) An email with your download links
2) A confirmation page after successful payment, where you can download the files right away without closing the website
Is this a subscription or a one-time payment?
- It’s a one-time payment — no hidden fees or recurring charges!
Are the templates compatible with my device?
- Yes! All Google Sheets and Excel templates are fully compatible with any device — including Windows, Mac, Android, and iOS.
Will anyone else be able to see my data after purchase?
- No! Once you purchase any template from us, you’ll receive your own private copy linked to your personal Google or Microsoft account (depending on whether you're using Google Sheets or Excel).
Google and Microsoft follow very strict security protocols, so no one will ever be able to access or modify your data without your explicit permission.
Which currencies are included in the template?
- All templates include over 40 different currencies from around the world. Yours is definitely there!
How do I know which cells I should fill out and which ones I shouldn't?
- The input cells are always marked with a specific color, usually white. You can also click on any cell to check if it contains a formula before entering data.
What if I accidentally enter data into a formula cell?
- Most likely, you won’t be able to. Each formula cell has a warning or restriction that prevents accidental editing. So don’t worry!
Can I edit and customize the templates?
- Absolutely! You can modify anything you like. The only limit is your imagination.
Can I resell this template?
- No, all templates are for personal use only.
However, if the template is marked as a PLR Spreadsheet, then yes — you are allowed to resell it anywhere, anytime!
Can I resell this template?
- No, all templates are for personal use only.
However, if the template is marked as a PLR Spreadsheet, then yes — you are allowed to resell it anywhere, anytime!
What if I need help or have questions about my template?
- 📧 spreadsheetshub.office@gmail.com
- 📧 info@spreadsheetshub.com
Can I use the template right after purchase?
- Yes! You’ll receive instant access to your template as soon as the payment is confirmed. No delays, no waiting.
What skill level do I need to use the template?
- Our templates are designed for all levels — from beginners to advanced users. Input fields are clearly marked, and most come with easy-to-follow instructions.
Can I use the template in Google Sheets for free?
- Absolutely! You don’t need a paid Google account — our templates work perfectly in the free version of Google Sheets.
Is the template for personal use only, or can I use it for business too?
- We offer templates for both personal finance and business needs — from budgeting to order tracking and inventory management.
Can I request a customization?
- Yes! We offer a custom spreadsheet service. Just reach out to us with your request and we’ll tailor the template to your needs.
What if I don’t know how to use Excel or Google Sheets?
- No problem! You can contact us for a simple guide or request support. We’re here to help and make sure you get the most out of your template.
Can I get a refund?
- As this is a digital product, refunds are not available. However, if you run into any issues or need assistance, we’ll do everything we can to help!
