65/20/10/5 Budget Template | Excel & Google Sheets | Conservative Spending Plan

📊 Conservative Spending with the 65/20/10/5 Budget
The 65/20/10/5 Conservative Spending Plan is designed for those who want to focus on financial stability, debt control, and simple budgeting. This method divides your income to cover your essentials, allow for some enjoyment, and make sure you’re saving for the future, all while staying disciplined with debt repayment.

💡 IDEAL FOR THOSE WHO:
✔ Want to prioritize financial stability
✔ Need to focus on debt reduction and savings growth
✔ Value simplicity in budgeting without sacrificing essentials
✔ Want to maintain flexibility for life’s pleasures

🔢 HOW IT WORKS – THE 65/20/10/5 RULE:
✔ 65% Needs – The bulk of your income covers essentials like rent, food, healthcare, and transportation. With 65% allocated here, your basic living expenses are always prioritized.
✔ 20% Wants – Enjoy life! This portion covers entertainment, dining out, travel, and small luxuries, giving you room to live without compromising your stability.
✔ 10% Savings – Focus on long-term financial security by saving for retirement, emergency funds, or investments. Small contributions can lead to big financial growth over time.
✔ 5% Debt Repayment – Responsible debt management is key. Allocate 5% to paying off credit card debt, student loans, or other liabilities to reduce your debt load gradually.

🔍 KEY BENEFITS:
✅ Clear Financial Priorities – Focus on needs, savings, and responsible debt repayment
✅ Easy-to-Use Template – Simply enter your income, and the spreadsheet calculates your budget automatically
✅ Excel & Google Sheets Compatible – Available for use on any device, anytime
✅ Financial Control – Stay on top of your finances with a balanced approach
✅ One-Time Purchase – Download it once, use it for life

🎯 The 65/20/10/5 Budget Spreadsheet is perfect for anyone looking to maintain financial security, control debt, and build a strong foundation for future growth.