I keep the projected income for that month minus projected expenses for the month (it’s really pretty much the same every month – there are variable income worksheets linked below if your income fluctuates). Monthly budget planner pages divided by monthly tabs. I normally only do this once or twice a year or if there are significant changes to our income or our expenses.Ħ. That way you can see where to cut if you have more going out than coming or if you have certain financial goal you want to reach. Total Income & Expense worksheet with Financial goals for the year. For example: Termite Bond Renewal, AAA Membership, Warehouse Club Renewal Fee, Membership/Subscription Fees, Property tax if it’s not included in your mortgage etc.ĥ. Annual Expense sheet to keep track of those expenses that happen once a year and then break them down into a monthly cost for budgeting. Every month I enter the new total due and get excited watching the amount go down!Ĥ. Debt tracking sheet – a place to list debts that have a monthly balance. At the end of the week I make sure everything for that week has been checked (therefore paid) & entered in Quicken (including automatic savings deductions which are taken from our main checking account twice a month).ģ. As the bill is paid I check it off (including automatic ones – I check my account online to make sure it was deducted – things happen). If I was mailing checks I would pay at least 5-7 days before the due date to make sure the payment was received on time. I pay 99% of our bills online so paying a day or two before the due date has been fine for us. When a bill comes in or I have an automatic deduction, I write it on the calender a few days before the due date. There are lots of designs to choose from online. You may also want to use a larger one and put your bills in it as they come in.Ģ. You may want to keep stamps, address labels, pencils or something else in it (or skip it altogether). That way they don’t accumulate in a pile on my desk. A vinyl binder pocket for receipts that need to be filed.
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My household budget notebook is a 1 1/2 inch binder with various free budget printables from different places on the internet which are linked at the end of the post.
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I would say do whatever method that engages you and really makes you aware of your spending and saving. I’m not completely old school…I do pay all the bills that can be paid online and I use Quicken as my check register and just download our transactions every day. Some people keep their budgets in an Excel spreadsheet, some use online programs like Mint or YNAB, some use Quicken, some use the envelope method (click here for a detailed description of how this works) and some people don’t care and do nothing and it all works out for them… or not 🙂 I know it’s “old school” to use pencil and paper but that’s how I like doing it. We’ll continue to re-evaluate it each month and tweak it as necessary. So now I’m going to try setting up our basic budget from June-May and see how that works.
Yep, an extra $400 a month!! I almost cried when I saw that! I never know how these two things will go! Sometimes things stay pretty much the same and sometimes, like this year, we’ll be paying close to $200 more per paycheck for medical (plus a high deductible) starting June. The only problem I realized is that, for my family at least, I would often have to re-do our family budget mid year because my husband’s company has our medical insurance running June – May and every year the options get worse and the cost is more! It’s also the time that our mortgage company re-evaluates our escrow account for taxes which affects our mortgage payment. There’s nothing like a shiny New Year to get you motivated to make changes and be more organized! I know that most people set up a basic budget in January for the year. Please see our Disclosure Page for more information. Read on to learn how to make a budget binder for yourself!ĭisclosure: This post may contain affiliate links to Amazon and/or Etsy, which means that I may earn a small commission from some of the links in this post. So my first project was to re-organize our budget (you’ll find out why as you read on) and I made a household budget binder! I also have a list of free printable financial planning pages at the end of this post that I will frequently update. I plan on doing that! But I also think summer is a good time to do a little organizing since I do have more free time and I will have more hands available to help me did do some projects. This is my summer of organization! I know most of you are thinking summer is the time to relax and take it easy.
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