Take Control of Your Finances with This FREE Personal Budget Plan
Hi there, friend!
Let’s face it—budgeting isn’t the most exciting thing to think about, but it’s one of the most powerful tools for keeping your finances on track. Whether you’re managing a small business in Alberta or simply trying to make ends meet at home, having a solid plan can make all the difference.
Why You Need a Budget
A budget isn’t just about numbers—it’s about peace of mind. It helps you create a spending plan so you’ll always have enough for the essentials, whether that’s groceries, bills, or things that bring you and your family joy.
Many people are surprised by how much they actually spend in a month. Without a clear view of your finances, it’s easy to fall into the cycle of overspending and debt—especially if your income is irregular, seasonal, or fluctuating.
Here’s a Pro Tip for Irregular Incomes:
Take your average income over the past three years, divide that number by 12, and use it as the base for your monthly budget. This strategy smooths out the highs and lows, giving you a clearer financial picture.
Self-Employed? Here’s What You Should Know
For Alberta’s small business owners and self-employed individuals, budgeting comes with its own set of challenges. One key tip: set up a separate savings account just for income tax payments. This will help you avoid scrambling when tax season arrives.
Also, remember to account for bills that don’t come monthly—like quarterly expenses or annual fees. Add these to an “Other Expenses” category in your budget to avoid unpleasant surprises.
To make budgeting easier, we’ve created a FREE Personal Budget Plan for you. Use this worksheet to track your income, expenses, and savings goals month by month. It’s designed to help you build healthy financial habits that last a lifetime.
Click the 'Personal Budget Plan" button below to open...
We’re here to support Indigenous and small business owners across Alberta. If you have questions about managing your finances or need help with taxes and bookkeeping, don’t hesitate to reach out.
There you have it, folks. We hope this helps and Happy Budgeting!
Thank you; Miigwetch,
Shelilia Vivier
President & CEO
(403) 556-1225