If you have Microsoft Office, consider Microsoft Excel's suite of budgeting templates designed to fit many different needs, ...

Debt management programs could save you thousands, but the actual savings depend on your debt and repayment habits.

Here’s how to make it effortless using the Final Family Budget Template:. 1. Know What You Bring In. Start by entering your Monthly Net Income into the input field. This is your take-home pay ...

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.

This article originally appeared on GOBankingRates.com: I’m $25,000 in Debt: Here’s My Monthly Budget. Show comments. Advertisement. Advertisement. Don’t miss our daily roundup.

Debt-to-income ratio divides your total monthly debt payments by your gross monthly income, giving you a percentage. Here’s what to know about DTI and how to calculate it.

For example, say your gross monthly income is $6,000 and you have $2,000 in debt payments each month across your mortgage, auto loan and student loans. Your debt-to-income ratio is 33%. (You can ...

For example, if your monthly debts total $2,000 and your gross monthly income is $6,000, your DTI ratio would be 33% ($2,000 / $6,000 = 0.33). The main purpose of calculating your DTI ratio is ...