![]() 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. Need More Help With Budgeting and Bill Pay?īe sure to check out these other free printables.-> I recently updated this Printable Budget Binder. If you’re having trouble printing or editing one of our printables, click here for help. Many web browsers have their own built-in PDF viewers, but they tend to be buggy. If you save it, you’ll be able to tweak it throughout the month, if you need to. Once you’re happy with your budget, print it out, or save it to a device. Make those things a part of your budget, and you’re much more likely to follow through with them. Since we’re all about side hustles, saving and paying off debt around here, you’ll also see that this budget worksheet has room to enter multiple income streams, and to plan how much you’re going to save and pay off this month. To budget for expenses that you only pay once a year, just divide those costs by 12 to arrive at their monthly cost to you. You want your budget to reflect your true out of pocket costs for the month. Also leave off health, life, dental, vision and disability insurance, if they’re automatically deducted from your pay. If there’s an expense listed that doesn’t pertain to you, just enter a zero in the field next to it.ĭon’t include homeowner’s insurance or property tax, if they’re included in your mortgage payment. Want to see how certain changes would impact your budget? Go back and tweak the numbers as many times as you’d like, and the total will continue to update. ![]() ![]() Just input your monthly income and expenses, and the worksheet will automatically crunch the numbers as you go. And it even has extra space for you to enter additional expenses. It includes lots of things that other budget worksheets leave off – stuff like streaming services, pet care and gifts. Use this printable monthly budget worksheet to create a budget that matches your lifestyle and your goals. ![]()
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