The Value of Budgeting Templates Budgeting can often feel intimidating, so Bobbi Rebell, certified financial planner and founder and CEO of Financial Wellness Strategies, suggests starting simple.

Templates are customizable and the company boasts data privacy as a key feature. (Tiller costs $79 per year after a 30-day free trial, so we didn’t add it to our list of free spreadsheets.) ...

1. Oprah.com’s One-Page Templates Sometimes, a simple one-page business plan template is the best. Oprah.com offers three sample templates already filled in for different businesses.