Savings Information: A place to put all of your savings information to keep track of and watch it increase throughout the year.Note: D/W on both stand for “deposit” and “withdrawl” like in a traditional checkbook ledger. Monthly Ledger: Similar to the weekly ledger only with a longer time frame.Weekly Ledger: to record all of your expenses and deposits, like a big checkbook balance but more obvious than that tiny little thing.Budget Binder cover & spines: self explanatory.Here’s how I intend them to work (but feel free to adjust them to your needs): The correct one is included in the packet. Note: I updated the Month a Glance to include groceries on it. I hope you’ll be able to gain something from these sheets though. So what works for us, might not work for you. Without a doubt, every family is different. I’ll continue to add more as time goes on and I get a feel what works best. I sat down and started brainstorming the kinds of things I wanted in a budget binder. Probably because we’ve failed before and I don’t like starting something that I know I haven’t accomplished in the past. SO- here we are- 15+ years later, trying to whip into shape. It’s crazy to think about that but I know that time will zoom by. College, weddings, retirement, etc will be here before we know it. We are now at the point of our lives where our kids are a teen/pre-teen and elementary schooler. Or we’d try and then one of us would spend and the other would try to nag him into not doing so…and then that one person would get fed up and just start spending again. So I walked the line but never fully embraced a budget. The idea of bouncing a check (which used to be the only way to pay bills a million years ago) was horrifying. Although I don’t like to follow the crowd necessarily, breaking rules scares me. I was a little more naive but TERRIFIED of getting in trouble. He knows WAY more than the average person about credit, debt, etc. Josh has been in the collection industry since he was a teen (his Dad owned a collection agency and he still works in that field). Here we are early twenty-somethings, engaged and blissfully unaware…. Neither of us were horrible with money then but we definitely could’ve buckled way down. One of us likes to spend on big ticket items, while the other shops shops shops to find the best deal but buys lots of little things that add up. Josh and I, as most couples do, came into our marriage with our own ways of spending money. If you’d like to get the current one, get more information here. The template is super easy to use: print it out (it works best in colour it’s a little light in black & white), cut along the outline, fold & secure with tape or glue.Īs you can see from the picture, I simply used washi tape to secure the tabs as it’s somewhat transparent and you can write on fairly easily.-> I recently updated this Printable Budget Binder. Then, I throw them all in a box until the end of the month where I transfer them to my bookkeeping program. I actually keep two: one for beside the computer where I do my online shopping and one for my purse for my in-store shopping. It’s based on a week-to-week timeframe and it’s big enough to keep both store receipts as well as online receipts that you can (and should – right then, right there!) print off. Well, here’s a fun little DIY envelope template that lets you store your receipts and keep track of all of those expenses. Which is great, ’cause it gets the job done.īut, did you track that purchase for your year-end bookkeeping exercise? You know, the one that asks you to add up all of your expenses to go against all of your earnings? So, you do what (I’m guessing) a lot of us do: you run out/go online and buy it! Or you don’t quite have the washi tape that you’re looking for to put together that exciting DIY guest post for that fabulous BIG blog. Or the 100% cotton white thread is running low in your machine and you’re not going to have enough for that wholesale order due at the end of the week. Or you realize that you don’t have the right size canvas for that painting that’s been roaming around in your head, trying to get out. You just ran out of ink for the 5 orders that showed up on Etsy today.
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