When I graduated from grad school, I made the hard transition from working part-time to being a stay-at-home mom of three under 6. Since I was home most of the time, I decided to take over the finances and take our debt-free journey seriously – beyond the minimum payments we were making.
Through the years there has been a lot of trial and error, and even more budgeting systems, workbooks, and planners. They each fit a small need, but none of them fit all our needs to help meet our long-term financial goals.
I needed something that showed me where our current paycheck was going, and whether we were still within our budget categories for groceries. I needed something that showed me how we were progressing towards our overall savings goals, and when our next non-monthly expense – like our vision exams or quarterly utility bill – was coming up. I needed something that helped me keep track of all our expense categories over the year, as well as our long-term financial goals. Most of all, I needed a review and accountability system each month.
That’s how this planner came to be.
The most important steps in your finances are to put it into writing, and for it to function for you and your unique budgeting needs.
This (updated) Budget Workbook includes:
• 3 pages of Financial Goals
• Quarterly Review Page
• Password Keeper
• Emergency Fund Tracker
• Debt Account Tracker
• Year At A Glance
• Budget Routines
• How To Calculate Sinking Funds
• Sinking Fund Tracker
• Sinking Fund Transaction Log
• Savings Account Tracker
• 52 Week Savings Tracker
• No Spend Month Goals & Tracker
• Bill Pay Checklist for Monthly & Non-Monthly Bills
• 6 Blank Cash Envelope Templates
• Cash Denomination Breakdown
• Two Types of Paycheck Budgeting Worksheets
—– One-Page Spread best for Weekly Budgeting
—– Two-Page Spread best for BiWeekly or Monthly Budgeting
• Half-Payment Budget Method Set-Up
• Expense Tracker
• 12 Calendar Months – undated so you can use it again year after year
—– Space for Goals & Challenges to consider for the Budget Month
• Monthly Debt Progress
• Monthly Net Worth Tracker
• Monthly Budget Review
This workbook has over 90 pages and is delivered as a PDF printable in US letter size (8.5” x 11”). There is no waiting for a physical product to arrive, you can get started immediately. You can print and set up your budget workbook in the order that suits your current financial needs.
If you want to print this to fit a Classic Sized Happy Planner*, print at 84% of the size.
To see this planner in action, check out by Budget With Me videos on YouTube.
Monday Start, Sunday Start
Currently my shop is only accepting PayPal as a payment method. You are more than welcome to use a debit, credit or gift card via the PayPal website. I do not receive or store any of your financial information.
Refund Policy For Digital Products
As a seller, your satisfaction is extremely important to me. However, due to the nature of digital products, I cannot offer refunds on digital products since the product is generally delivered immediately after purchase.
Downloading Digital Products
Your order is delivered to you after your order has processed. While most orders complete within an hour, please be aware that there may be a delay due to payment processing, and this is beyond my control.
Downloads from my site are generally limited to three times.
You can save your files to your personal device for use, and print for personal use.
You cannot edit, share, reproduce, republish, retransmit by an electronic device, or photocopy for any other use beyond personal.