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Weekly Spending Tracker - Free Printable

I'm sharing with you the Weekly Spending Tracker from my Big Finance Pack FREE!

You can find the rest of the pack HERE.

Weekly Spending Tracker

This is the page that sent me down a new path of other printable pages, and is still one of my very favorites.

The reason I love this page? The "Why" column, and the last two N/W and P/U columns.

Writing down WHY you spent the money can give you great insight into what's going on when you overspend.

N/W is Need/Want and P/U is Planned/Unplanned. When your sheet has multiple items that are Unplanned Wants, that's likely an issue that needs attention.

Unplanned Needs are probably a good indicator of a sinking fund that needs to be started.

Click here to download the Weekly Spending Tracker.

Debt Free Charts Big Finance Pack Weekly Spending Tracker Budget Printable Planner Binder

How to Use this Weekly Spending Tracker

Take it with you

Simply carry this with you and record your spending as it happens. Do include your bills that get paid too.

Note WHY you spent

The WHY column, if you are honest with yourself, will help you see the truth about your spending patterns.
When I am tired, or grumpy, or hungry, I tend to spend more out of convenience. But sometimes I spend out of boredom, or feeling like I need a "treat". 
Don't use this column to be judgmental of yourself, but simply to notice patterns and be aware.

Note whether it was Planned or not

In the P/U column, write a P if you planned to spend this money, and write a U if this purchase was Unplanned.

Note whether it was Needed or not

In the N/W column, write a N if the purchase was a Need (necessary), and a W if the purchase was a Want (unnecessary).

Like the Why column, please don't be too hard on yourself here. Use this to learn, and make changes to get your spending in line with what you truly want.

If you find you have a lot of U/N purchases, that might be a good indication of a Sinking Fund to start.

Spending Tracker how to


Categorize by Color

Write in your typical categories for your budget here, and then color code them each with a different highlighter. Go through the Spending list and highlight each category you spent in. At the end of the week, tally up how much you spent in each category.

I save red for marking the wants and unplanned spends, and green for marking the needs and planned spends. The goal is to have as few double red spends as possible, and note the unplanned needs, those items might be an indicator of a sinking fund you need to start.

Use one tracker a week for four weeks and see with new clarity where (and why) your money leaks are happening. Or continue to use every week as part of your budgeting system.

This is just one page from the Big Finance Pack, which is chock-full of useful and fun pages to help you get your entire money life on track.

You can find the rest of the pack HERE.


Free Spending Tracker Pinterest
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Personal Loan
Linda Dougherty
This will be a great visual!

Planning ahead, so I downloaded this chart. It will be great visual motivation when the personal loan is in place. Definitely recommend it! Thanks for making this and so many others available at no cost.

Verna Shelton
Debt free chart

This has been a big help to keep me on track, motivated, and accountable

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DeeAnne White
Loving my debt charts!

These are absolutely fabulous! I love using my charts. I just started and I’m looking forward to finishing them and sending you the picture afterwards.

The visual tool I needed

I love that this is a fun, visual tool. It reminds me that I am taking the steps needed to get out of debt. I have mixed up my colors a bit between my minimum payment and the extra to show myself how well I am doing.

Keeping me on track

This is a great visual to keep me accountable for paying off my credit cards.