However we decide to do it, it’s not enough to just set the goal. Or maybe we can cut down on our budget in other areas like clothing or eating out to come up with the extra cash.
Maybe we can get an extra little side job to make some additional money to put toward the debt. Maybe we’ll plan to make a double payment each month. We’ll write it down on this page, give ourselves a timeframe in which to complete it (by the end of December 2023), and then we’ll list the action steps that we are going to take in order to reach that goal. Let’s say we’ve set a goal to pay off our student loans in the next year. When Donnie and I take the time to sit down together and write out our financial goals, it puts us on the same page, and we are much more likely to achieve what we set out to do! Goal setting is oh-so-important to me, especially when it comes to finances. Monthly Check-in Page– This page helps you take a look over the previous month’s finances and gauge what you did well and what you would like to improve for the upcoming month.Pages to Track Variable Monthly Expenses– These sheets track expenses that vary some from month to month like grocery shopping, eating out, gas, clothing, etc.Pages to Track Recurring Expenses– These sheets track bills that stay pretty much the same each month like mortgage/rent, car payments, student loan payments, utility bills, etc.Goal Setting Sheet– Set financial goals for the year so you know exactly what you’re working toward.Cover Page– Keep track of your binder (and make it pretty so you want to use it often)!.(If you click on each of the links below, you can jump right to the explanation for that particular page.) Here’s what to include in a budget binder: There are several key pages that I include in my budget binder each year. If you do a lot on Paypal or Venmo, you’ll want to grab that info too.What should be included in a budget binder? To help you figure out all your expenses grab the past three months of your banking and credit card statements. It’s helpful to group your expenses into categories, so I’ve included a few sheets to help you organize your expenses into groups.
This page is where you’ll lay out your monthly income and your expenses. If you’re curious about what those look like, you can check out my list for the best printable budget planners.
#Cash budget binder upgrade
In the beginning, a free one is just fine but as you go on, you may want to upgrade to a specific budgeting method planner. The paid ones are specific to a method and guide you accordingly.
This sheet (and the method you choose) is usually the distinction between a free printable and a paid-for budgeting template. There are many different budgeting methods, but I’ve included a very basic form so you can use any of the methods. This is how you set your budget, how much you plan to spend your money each month. Your monthly budget worksheet is the second most important page in your budget planner. So have one of each of these pages for every month. We’ll dig into each of these templates pages below.įrom here on down, these printables are for your monthly breakout section. In fact, I have free budgeting printables just for you! Click here, and put in your email, and I’ll send them to you right now.
#Cash budget binder download
Many people have free budgeting printables that you can download to make your own budget planner. Now you can certainly pay for these printables ( I even sell them in my shop), but if you’re trying to save every penny and don’t have time to search for them, you can get them for free.
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