Getty Images. For those who are ready to take the leap into budgeting, creating a spreadsheet from scratch isn’t necessary. You can save time and hassle by using a premade budget worksheet.

Gross possible rents for the four conventional rental apartment types examined (elevator; low-rise with 12 to 24 units; low-rise with 25-plus units; and garden) rose within a range of 1.6 percent ...

Use NerdWallet's free template to make a budget that aligns with the 50/30/20 spending rule. A budget can show you where your money is going so you can make changes if needed.