Raise your hand if you are ballin’ on a budget!
(*raises both hands in the air and waves them like I just don’t care*) ME! I am definitely ballin’ on a budget, and I know that I am not alone.
I am personally a huge fan of using a planner for organization. Every year, I look forward to finding a new planner. I usually buy mine from target, because there have a really wide selection of shapes and sizes. I always get one that fits in my purse, and I carry it with me everywhere.
At home, I have clipboards in my kitchen for organization purposes. At work, I have notes all over my cubical as reminders and notes to myself. If you are a visual learner like me, I will tell you that having these visual reminders make a world of difference.
So, I wanted to spread the wealth. Literally. Here is a free downloadable monthly budget planner PDF. It will automatically download as a full page 8.5X11. I would suggest either printing on card stock to hang, or three hole punching in a binder when printed on copy paper.
Below, you will see an image of what the planner page looks like, and the link to download for FREE. (Yeah, I’m not going to charge you for a money saving strategy…)
So, let me give you a little run down on how I usually organize my page. Here is a picture of an example I made for you guys to mimic.
The Monthly plan is made for a total of four weeks, and should be used to budget your income based on your income to bill ratio. Its all simple math. You can use a calculator if you please, OR, I have conveniently made an excel spreadsheet with formulas to calculate what goes into each section!
You can Download it Here.
All you have to do it plug in your numbers, and it does the math for you! (Remember not to hit “delete” when removing any information from cells, as it will delete the formulas!)
Starting with your total weekly income, you should subtract all of your bills due for that week. The remainder should then be divided into groceries, pets, and fun. The remainder is what you should put into savings that week.
Its that simple! I find this tool very useful in helping me control my spending, as well as in helping me track my income to debt ratio.
If you find that you need any help, you can visit my Contact page, or leave a comment. I’m more than happy to help!
Would you like to see more helpful tools like this? What are some of your budgeting strategies? Let me know!
Until Next time,