80/10/10 Budget Spreadsheet Template | Excel & Google Sheets
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80/10/10 – Basic Survival (Bare Minimum Budgeting)
The 80/10/10 Basic Survival budgeting template is designed for individuals who need to focus on covering their essential expenses first and foremost while maintaining a simple and minimalistic approach to finances. This template helps you prioritize your most important needs while still giving you some room for small luxuries and savings.
Who Is This Template For?
This template is ideal for individuals who:
- Are on a tight budget and need to prioritize their basic living expenses.
- Are looking for a minimalist approach to finances, focusing primarily on survival and the essentials.
- Want to start building a small savings cushion, but can only commit to a modest amount for the time being.
- Have limited income and want to ensure they stay afloat without overspending.
How Does It Work?
The 80/10/10 rule splits your income into three categories:
- 80% Needs: This is the most important section. It covers all your essential expenses—things you can't live without. Think rent, utilities, groceries, transportation, and insurance. This template helps ensure that your basic needs are always taken care of.
- 10% Wants: This is the category for any non-essential spending. Whether it's a night out, a new gadget, or a small treat for yourself, this portion allows for some discretionary spending without going overboard. However, the focus is kept on keeping things minimal.
- 10% Savings: While your savings might be modest, this section is still dedicated to creating a small financial cushion. Even if it’s just a little bit each month, having a small emergency fund can help protect you from unexpected expenses and provide a sense of security.
Why Choose the 80/10/10 Budgeting Template?
- Simplicity and Focus: The 80/10/10 rule is easy to follow and keeps your financial focus on what matters most. By allocating 80% of your income to needs, this plan ensures that you’re prioritizing the essentials above all else.
- Minimalist Lifestyle: This budget template encourages a minimalist approach to your spending, meaning you live simply and only pay for what’s absolutely necessary. If you want to reduce unnecessary expenses, this is a great way to get started.
- Build a Financial Cushion: Even with a tight budget, the 10% for savings ensures that you are slowly building an emergency fund. Over time, this small cushion can provide peace of mind and protect you from financial stress.
Benefits of This Template:
- Essential Spending Priority: With 80% of your income going toward your needs, this template ensures your most important expenses are always covered, which is key to maintaining a stable financial foundation.
- Low-Cost Lifestyle: If you're looking to keep things simple and live on the bare minimum, this template helps you avoid overspending on luxuries or entertainment, allowing you to focus on just the essentials.
- Small but Steady Savings: The 10% savings allocation might be small, but it provides a great start for building your emergency fund. Even a modest amount each month will add up over time.
- Easy to Follow: The 80/10/10 structure makes budgeting straightforward and easy to understand. You’ll always know exactly where your money is going, which helps reduce stress and keeps you on track.
Is This Template Right for You?
If you're looking for a bare-bones budgeting system that focuses on keeping you financially stable, the 80/10/10 Basic Survival template is the perfect choice. It helps you cover your essentials while keeping everything else to a minimum. This is a great option for those on a tight budget or those who want to simplify their finances and focus on the most important aspects of their financial life.
With the 80/10/10 Basic Survival template, you can stay in control of your finances, keep your spending in check, and gradually build a small savings cushion—even in tough times.
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!
