#Free calendar budget planner free#

Does the plan still meet your needs and help you achieve your goals? If not, make some adjustments or create a new budget that better meets your needs. Make sure to review your budget regularly. If your income is not enough to cover your expenses, adjust your budget (and your spending!) by deciding which expenses can be reduced. Your expenses should be less than or equal to your total income. Your budget should meet your “needs” first, then the “wants” that you can afford.

Create your budget. Think of your budget as a “spending plan,” a way to be aware of how much money you have, where it needs to go, and how much, if any, is left over.

“Flexible expenses,” such as food, clothing, and entertainment, vary from month to month. “Fixed expenses,” such as rent, auto, or student loan payments, are easy to determine. Also, while getting an idea of monthly spending is great, I recommend at least three months’ worth of bills and receipts so you can keep track of all your quarterly expenses. The success of a budget relies on accurate incomings and outgoings and the only way you can be 100% sure is by getting all your statements and bills in front of you. Where is your money really going? Don’t be tempted to guess or estimate. Do not include overtime pay, because you shouldn’t rely on that as regular income. Figure your available income (the amount of your take-home, or net, pay). Think about what you want to accomplish financially in the next three months, the next year, and the next three years.

Make a list of your values. Write down what matters to you and then put your values in order.

How do I start a budget planner?įollow the steps below as you set up your personalized budget: Once you know where you’re spending, you can start to alter and prioritize what you do with your money to enable you to stick within your means. Keeping track of your finances can play an important role in the pace you improve your savings account balance and save money for your dream vacation, house or car. Yet before you can address this, it’s important to get an accurate idea of the size and scale of the problem. If you’re eating up your savings or building up debts, you’re likely to be overspending. In the world of consumerism, it’s easy to spend a few bucks here and there to suddenly find out that you exceeded your daily, weekly or monthly budget. The ability to manage your cash flow and track your income and expense is vital. THE BEST PART IS: you don’t have to be a financial specialist to manage a budget 😎 Why should I track my spending?

spent less time worrying about money and more time enjoying my life.

optimized my spending – I reduced my overspending habit ( this was major).

track every single daily and monthly expense.

But still tracked every penny going towards my debts, expenses, and savings accounts.įlash forward to one year later & my planner has helped me accomplish the following: So I designed a planner to my own liking. I started using budget planners but found many of them either too confusing or too simple but all of them had one thing in common: they were freakin’ ugly.

At one point, my friends & fam started complaining about coming over to my place because I would constantly have the Dave Ramsey show playing in the background.

#Free calendar budget planner free#

I’m a creative individual by nature so having extra money in my bank account gives me more freedom to pursue different hobbies and interests.Īs I spiraled deep into the financial self-help world last year, I spent most of my free time reading books and listening to podcasts about money. Of course, money isn’t everything but it does allow for different opportunities. Sure, my financial situation at the time wasn’t dire, but I am the type of person who equates finances with security. In the midst of my money woes, I became absolutely infatuated with money management. I definitely can relate to having experienced this feeling in my own life. It’s fairly common to put budget planning on the back burner, but it ultimately leads to feeling concerned or anxious about your current financial well-being. But it’s crucial to achieving the freedom you need to live your life to the fullest. Managing your finances can be complicated and to be honest, not really a fun activity to have to do. Today I’m sharing the 67-page budget planner I use to track everything money-related. If you are ready to CRUSH your financial goals in 2024, then this is the free printable budget planner for you!