The personal budget spreadsheet template is an MS Excel based format which is one of the most desirable budget templates. This template provides a simple yet elegant way to prepare a budget sheet, especially while searching for new ideas. A personal budget elaborates the usage of a spreadsheet in order to locate and highlight current fixed and variable expenses. It further enables you to insert all data on a single budget sheet. The idea of using a personal budget is to plan your expenses for the coming month to account for all expected expenses along with changing lifestyle expenses which you might face in the future.