Your budget template

This template will help you understand what you earn, and where your money is going. It's a good way to spot places you can cut back, and whether there's money left over for saving or repaying debt faster.

A few handy tips before you get started:

• Gather up bills, bank and credit card statements or transaction history (digital or paper) for the last 3 months.
• Tools like Spend Tracker and Card Tracker, found in the ASB Mobile Banking app, can help you work out your regular expenses.
• Try to include cash purchases and yearly payments, like car registration, to create a clear picture of your spending.
• This template will calculate your totals for you if you have Adobe Acrobat installed on your device. Otherwise, you can print it out and fill in.