Budgeting & Tracking
Take Back Control of Your Money (Minus the Stress)
Whether you’re brand new to budgeting or just tired of feeling behind, these free, CPA-inspired tools will help you begin to track your spending, build a budget that works for you, and start saving with confidence.
What You'll Find on This Page:
- Monthly budgeting templates
- Spending and savings trackers
- Zero-based budgeting worksheets
- No-spend challenge printable
- Tools to help you stay consistent over time
Featured Downloads
📊 Monthly Budget Template
What’s inside:
- Income, fixed, variable & savings tracking
- Built-in formulas (in Excel or Google Sheets)
- Matches your lifestyle (not someone else's rules)
- Download the "Ramen to Riches" Monthly Budget Template
📝 Zero-Based Budget Worksheet
Want to give every incoming dollar a job? This printable zero-based budget worksheet helps you do just that — before you even spend a dime.
Perfect for:
- New budgeters
- People paid monthly or biweekly
- Anyone who wants to hit the "reset" button on their finances
- Download the "Ramen to Riches" Zero-Based Budget Worksheet
🧾 Spending Tracker
Not sure where your money goes? This simple tracker helps you see your daily spending habits in black and white — and take back control.
- Daily & weekly tracking
- Printable PDF or Google Sheet
- Easy category highlights
- Track Your Spending Now
🚫 30-Day No-Spend Challenge
Hit the reset button on your spending habits and start saving fast. This visual tracker makes the challenge fun and motivating.
- Works for individuals, couples (even roommates)
- Comes with tips + reward ideas
- Great way to build discipline without feeling restricted
- Start Your No-Spend Challenge Today
What All 4 Tools in One Bundle?
Get the FREE Budgeting Starter Pack
Includes:
- The "Ramen to Riches" Budget Template
- The "Ramen to Riches" Printable Zero-based Budget
- Spending Tracker
- No-Spend Challenge Sheet
From a CPA Who's Been There
I’m Stephen Berger — CPA and founder of From Ramen to Riches.
This blog exists because I believe you don’t need to earn six figures to win with money — you just need the right tools and habits.
These downloads are the same ones I’ve used with coaching clients, friends, and even for myself when life hit a bump in the road. I hope they help you as much as they’ve helped others.
📚 Keep Learning
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💬 Questions? Reach out anytime at Stephen.berger@fromramentoriches.com.