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We can’t believe it, but,The Budget Binder is here!
You now have an easy way to handle your money and have more information on your finances in one place!
Have you ever struggled with keeping track of your credit card statements, bills, income, and other financial documents?
Well, we were once in your shoes.
We started budgeting to spend less and save toward long-term financial goals and developed our own great printables that we couldn’t hide from the world.
Over the last several months, we have been hard at work expanding our lists and plans and forming a complete, useful, and valuable budget binder to rock the market.
This budget planner was created with the tools, tips, and financial organization we used to pay off $25,000 in student loans in just 5 months!
If you have been struggling with money, living paycheck to paycheck, and are sick and tired of it, The Budget Binder is for YOU.
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Table of Contents
What is a Budgeting Binder?
A budget binder is an incredible tool created to make budgeting your money as simple as possible.
If you haven’t used a budgeting binder before, now is the perfect time to try!
Most of the time, budget sheets are provided with some guides and instructions but lots of blank space so you can fill in what you need.
Budget printables can include ways to save, set financial goals, track debt repayments, and much more!
My take is a special printable and digital binder that you can mix and match pages to make the perfect money-saving binder that works for you.
Head here to check out our Easy to Use Budgeting Binder now.
Benefits of Using This Binder
Printables are a great way to organize your finances and get control of your life, especially with how you make money and pay bills!
A budget planner will have sheets to help you stay organized- this binder has sheets you print as you need.
Tracking your personal loans, student loans, medical bills, earnings, and spending habits, is all made easier by keeping it all in one place.
My new home binder will help you set goals, track your income, track your expenses, and help you pay off debt! Everything you need to manage your money better!
Learning how to budget is the most important step on your journey to financial freedom, and having an efficient budget binder makes it happen sooner.
Knowing what money you have coming in and going out is a great idea if you want to save money, spend less, and keep from falling into large debts down the road.
What Supplies Do I Need Other Than Printables?
You don’t need much for your budgeting binder to do its job; just a simple 1-inch binder from Amazon will do the trick.
It never hurts to have some colorful markers and pens, either!
Supplies:
The best part of having a printable budget binder (besides saving money!) is the customizability- you don’t get much of that from workbooks you buy in the store!
You can choose a smaller binder or even a folder if that’s what you prefer!
What is Included in The Budget Binder?
All of the following pages are included printables from your binder, along with lifetime updates to anything we make changes to or add in the future:
- Cover Page
- Monthly Goal Tracker
- Simple Budget Tracker
- Monthly Expense Planner
- Paycheck Budgeting
- Bills Payments Calendar
- Bills Payment Checklist
- Bill Payments Tracker
- Daily Expense Tracker
- Medical Expenses
- Side Hustle Tracker
- Credit Card Info
- Debt Payments Tracker
- Bank Account Info
- Savings Tracker
- Emergency Fund
- Sinking Funds
- Retirement Tracker
- Donation Tracker
- Holiday Tracker
Free Printables- Monthly Budget Worksheets
If you want to give our monthly budget template a try, feel to head over to our shop now and get started with a free download.
It’s a single page from our budgeting binder to give you an idea of exactly what you will get.
But I highly recommend you purchase the entire budgeting binder to give yourself all the tools you need to start budgeting your money correctly.
How Do You Use The Budget Binder?
Once you purchase the Savvy Budget Binder, you will get instructions on how to download the budget binder printables.
After you download you can turn to page two and read the entire set of instructions on how to use The Budget Binder.
Simply go through all of the pages included in the binder and write down the pages you want to use.
You may find some are more helpful than others, but we recommend giving them each a try first!
We purposelycreated it so each and every page is valuable and meets a need in organizing your finances.
If you happen to find a page that does not work for your situation, just remove it from your binder.
Once you’re set on what you need, head over to your printer and print out the pages you feel will help the most when budgeting your money.
Here they are for reference and to understandexactly what you will be getting.
1. Budget Binder Cover Page
Print the cover page and place it in the front pocket of your binder.
2. Monthly Goal Tracker
A simple, easy-to-use place to track your finances.
Goals could be paying off debt, funding your emergency fund, and investing for retirement.
3. Simple Budget Tracker
Record your income on the right side of the page. Write down your monthly expenses to the best of your knowledge.
Compare budgeted expenses vs. actual. Make the remaining balance calculation at the end of each month.
4. Monthly Expense Planner
A place to track all of your monthly expenses in one simple easy-to-see view.
These include bills to pay each month, like health insurance, credit card statements, utilities, and more.
5. Paycheck Budgeting
Another way to budget monthly!
Fill out expected income and expenses for each paycheck period.
Your expected expenses should be what you plan on paying for with each paycheck. Finish by calculating the difference for each line.
6. Bills Payments Calendar
A blank monthly calendar to write down due dates so you pay bills on time from now on!
7. Bills Payment Checklist
If a monthly calendar view is not your style, this is a simple checklist to write down when your bills are due.
8. Bill Payments Tracker
A combination of both the bill payment calendar and bill payment checklist. Stay on top of your bills for the entire year.
9. Daily Expense Tracker
Record the date of your purchase on the dateline- you may need multiple expense sheets to cover the whole month.
Record what the expense was and what type of category it would fall under. What method of payment did you use?
Cash, credit, or debit card and record the total amount spent in the last box.
10. Medical Expenses
Record the date you got the bill in the first box.
Where did you get billed from, and what type of service took place? Then place how much the bill is due in the next box.
Will the insurance be covering any of it and how much?
After insurance, record how much you will need to pay out of pocket and then what the total balance is due.
11. Side Hustle Tracker
As you work on your side hustle each week, record the number of hours you spent working and how much you earned per hour to get your total income.
12. Credit Card Info
Record your credit card information so it’s easy to find. You MUST keep this in a very safe place.
13. Debt Payments Tracker
Record the type of debt you are looking to track.
Include credit cards and bank statements to see money coming and going.
Place how much your monthly payment is and how much the interest rate is on that particular debt.
14. Bank Account Info
Record your bank account information. You MUST keep this in a very safe place.
15. Savings Tracker
Print multiple pages if you have more than one savings account. Use this to record your monthly savings for each account.
16. Emergency Fund
Record your weekly deposits into your emergency fund. Record the running total in the last column.
Use the progress tracker to shade in your progress. Record any notes in the box.
17. Sinking Funds
Are you looking to put money away for a big-ticket item? Under “GOAL” put the item you are looking to save money for.
For example, a cruise you want to take. In the next column put the total of how much the cruise is going to cost you.
Put the date of when the cruise is in the “DUE DATE” category. In the last column, record how much money you need to save to reach your goal.
Simply take the total amount you need to save and divide it by how many months until you need to reach the goal.
This will give you the exact number you need to save each month.
18. Retirement Tracker
Whether it is your 401(K) or your IRA, you can use this tracker as a running total as you grow your retirement account.
Place the type of account in the description and the total amount from your current paycheck.
Keep a running total of the new amount you have in your retirement account.
19. Donation Tracker
Use to track your donations throughout the year. A good reminder to spread God’s blessing to others.
20. Holiday Tracker
Record the holiday in the upper right-hand corner.
Plan out what you need for the holiday occasion and budget out how much you think you are going to spend.
Then, go back and record the actual amount you spent under different categories.
Is The Budget Binder In Digital Format?
Of course! Whatever options make your life easier, we give you the option for both!
Some people like to print the binder out and use pen and paper, while others like to keep it digital and fill it out on their computer.
Using a computer to log your income and expenses is another easy way to budget and a quick way to get started with budgeting.
It’s all about your preference and comfort.
But, if you think you may forget to track your money, then a physical binder may keep you on the straight and narrow!
Final Thoughts
Are you ready to get your finances organized and be done with money troubles?
Get started over at The Savvy Mama Shop and add the Budget Binder to your cart!
You will get instructions on how to download it, and you will be well on your way to budgeting success and financial freedom!
Now is your chance to get your life under control in an easy way, one dollar at a time.
Grab yourself a copy of The Budget Binder today!
Savvy Mamas Membership
Get instant access to our entire digital library of printable planners, tools, & monthly resources to help simplify and organize your entire life!
Get Started Now
Insights, advice, suggestions, feedback and comments from experts
As an expert and enthusiast, I have access to a vast amount of information on various topics. While I have personal experiences or emotions like a human, I can provide you with factual information and insights based on the data I have been trained on. Now, let's dive into the concepts mentioned in this article.
Budgeting Binder:
A budgeting binder is a tool designed to simplify the process of budgeting and organizing personal finances. It typically consists of printable sheets that help individuals track their income, expenses, savings, debts, and financial goals. The purpose of a budgeting binder is to provide a centralized and organized system for managing money effectively.
Benefits of Using a Budgeting Binder:
Using a budgeting binder can offer several benefits, including:
- Organization: A budgeting binder helps individuals keep all their financial information in one place, making it easier to track income, expenses, and savings [[1]].
- Goal Setting: Budgeting binders often include goal tracking sheets, allowing individuals to set financial goals and monitor their progress towards achieving them [[1]].
- Debt Management: With a budgeting binder, individuals can track their debts, including credit card balances, loans, and other financial obligations, helping them stay on top of payments and work towards paying off debts [[1]].
- Expense Tracking: Budgeting binders provide sheets to record and categorize expenses, enabling individuals to identify areas where they can cut back and save money [[1]].
- Financial Awareness: By using a budgeting binder, individuals gain a better understanding of their financial situation, including their income, expenses, and overall financial health [[1]].
Supplies Needed for a Budgeting Binder:
To create a budgeting binder, you typically need the following supplies:
- 1-inch Binder: A simple 1-inch binder is sufficient to hold the printable sheets and keep them organized [[2]].
- Colorful Markers: While not essential, colorful markers can be used to add visual appeal and make the binder more engaging [[2]].
- Pens: Pens are necessary for filling out the printable sheets and making notes [[2]].
Contents of a Budgeting Binder:
The specific contents of a budgeting binder may vary depending on the creator, but here are some common pages that are often included:
- Cover Page: The cover page serves as the introduction to the budgeting binder and can be customized to the individual's preference [[3]].
- Monthly Goal Tracker: This page allows individuals to set and track their financial goals, such as paying off debt or saving for a specific purchase [[4]].
- Simple Budget Tracker: The simple budget tracker helps individuals record their income, expenses, and calculate the remaining balance each month [[5]].
- Monthly Expense Planner: This page provides a comprehensive view of monthly expenses, including bills, utilities, and other regular payments [[6]].
- Paycheck Budgeting: The paycheck budgeting sheet helps individuals allocate their income towards different expenses and savings goals for each paycheck period [[7]].
- Bills Payments Calendar: This page allows individuals to write down due dates for bills to ensure timely payments [[8]].
- Bills Payment Checklist: An alternative to the calendar view, the bills payment checklist provides a simple list format to track bill due dates [[9]].
- Bill Payments Tracker: This page combines the calendar and checklist formats, providing a comprehensive overview of bill payments for the entire year [[10]].
- Daily Expense Tracker: The daily expense tracker helps individuals record their daily expenses, including the date, expense category, payment method, and total amount spent [[11]].
- Medical Expenses: This page allows individuals to track medical bills, including the date, service provider, bill amount, insurance coverage, and out-of-pocket expenses [[12]].
- Side Hustle Tracker: For those with additional sources of income, the side hustle tracker helps track hours worked and earnings from side gigs [[13]].
- Credit Card Info: This page provides a place to record credit card information for easy reference [[14]].
- Debt Payments Tracker: The debt payments tracker helps individuals track their debts, including the type of debt, monthly payments, and interest rates [[15]].
- Bank Account Info: This page allows individuals to record their bank account information for easy access [[16]].
- Savings Tracker: The savings tracker helps individuals monitor their progress towards savings goals by recording monthly deposits and tracking the running total [[17]].
- Emergency Fund: This page is dedicated to tracking deposits into an emergency fund, with space to record weekly deposits, running totals, and progress [[18]].
- Sinking Funds: Sinking funds are used to save money for specific future expenses. This page helps individuals set goals, track progress, and calculate monthly savings amounts [[19]].
- Retirement Tracker: The retirement tracker allows individuals to monitor their retirement savings by recording contributions and tracking the growth of their retirement accounts [[20]].
- Donation Tracker: This page helps individuals track their charitable donations throughout the year [[21]].
- Holiday Tracker: The holiday tracker helps individuals plan and budget for holiday expenses by recording expected and actual spending [[22]].
Digital Format for Budgeting Binder:
The budgeting binder can be used in both physical and digital formats. Some people prefer to print the binder and use pen and paper, while others prefer to keep it digital and fill it out on their computer. Using a computer to log income and expenses can be a quick and convenient way to get started with budgeting [[23]].
In conclusion, a budgeting binder is a tool that can help individuals organize their finances, track income and expenses, set financial goals, and manage debts effectively. By using a budgeting binder, individuals can gain better control over their money and work towards achieving their financial objectives.
I hope this information helps you understand the concepts mentioned in the article. If you have any further questions, feel free to ask!
