65/25/10 Budget Spreadsheet Template | Excel & Google Sheets
Tax included
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65/25/10 – Stability Focus (Ensuring Financial Stability)
The 65/25/10 Stability Focus budgeting template is designed for individuals who want to maintain a solid financial foundation while still enjoying life’s pleasures. It’s all about balance—making sure you cover your essential needs, enjoy some personal indulgences, and still prioritize long-term financial health. Whether you're starting your budgeting journey or looking for a more stable approach to managing your money, this template is here to guide you every step of the way.
Who Is This Template For?
This budgeting template is perfect for those who:
- Want to focus on financial stability while also ensuring they can enjoy life without overspending.
- Need a structured way to cover basic living costs, enjoy some fun activities, and slowly build savings.
- Are looking for a steady, sustainable approach to budgeting that doesn’t require drastic cuts or sacrifices.
- Want a clear and easy way to balance essential expenses, leisure, and savings without feeling overwhelmed.
How Does It Work?
The 65/25/10 rule divides your income into three key categories: your essential needs, your wants and leisure activities, and your savings. It’s a simple, straightforward way to budget that ensures financial stability without feeling too restrictive.
- 65% Needs: This category includes your most important living expenses like rent, utilities, groceries, transportation, and health insurance. By allocating 65% of your income to these essential costs, you ensure that your basic needs are always covered, leaving you stress-free and secure in your day-to-day living.
- 25% Wants: Life is for enjoying, and this template gives you the freedom to spend 25% of your income on your hobbies, entertainment, social activities, dining out, and travel. It’s a perfect balance between taking care of your essentials and allowing yourself some fun and personal indulgence.
- 10% Savings: While it might not seem like a huge percentage, the 10% allocated to savings is the key to steady financial growth. This portion helps you build an emergency fund, save for future goals, or start investing. By making small, consistent contributions to your savings, you’ll build financial security over time.
Why Choose the 65/25/10 Stability Focus Template?
- Ensures Financial Stability: The biggest advantage of this template is the focus on stability. With 65% of your income dedicated to covering essential costs, you’ll feel secure knowing that your living expenses are always taken care of. It helps you avoid financial stress while still allowing for personal enjoyment and savings.
- Enjoy Life with Control: This template gives you room to enjoy your life. With 25% of your income allocated to wants and leisure activities, you can still travel, dine out, shop, and enjoy your hobbies without worrying about overspending. It’s about finding the right balance so you don’t have to sacrifice your lifestyle for the sake of saving.
- Slow but Steady Savings: With 10% of your income going into savings, you’ll gradually build a financial cushion. It may not be as aggressive as other budgeting methods, but it’s a sustainable approach that works in the long run. Over time, you’ll create a solid financial foundation that will help you weather any unexpected expenses or future needs.
Benefits of the 65/25/10 Stability Focus Template:
- Balance: The 65/25/10 rule helps you strike the perfect balance between taking care of your essentials, enjoying life, and saving for the future. It’s a simple, easy-to-follow method that makes budgeting feel less overwhelming.
- Less Stress: With clear categories and set percentages, this template removes the guesswork from budgeting. You’ll know exactly how much to allocate to each area of your life, making it easier to stay on track and avoid financial stress.
- Steady Progress: The 10% savings may seem modest, but when done consistently, it adds up over time. It’s a method that focuses on steady growth rather than quick fixes, helping you build long-term financial security.
Is This Template Right for You?
If you’re someone who values financial stability but also wants the flexibility to enjoy life, the 65/25/10 Stability Focus template is perfect for you. It’s designed for those who want to live comfortably, enjoy their personal life, and save for the future without sacrificing one for the other. By following this template, you’ll ensure that your finances are stable while also giving yourself room to live well.
With the 65/25/10 Stability Focus template, you’re not just budgeting—you're creating a secure, balanced, and enjoyable financial life. This simple yet effective system will guide you toward financial peace of mind while helping you maintain a fulfilling lifestyle.
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!
