You know what I love...unexpected bills. You know what's even better? Two unexpected bills two months in a row. Well the second bill wasn't really unexpected I knew it was going to come up sometime I just wasn't paying attention. So now, in these most expensive months before the holidays, I need to kick my butt into gear!
Sooooooo......the other night I came up with some budgeting printables I'm going to stick into my A5 Raspberry Saffiano to keep me on track. I've had the Bills tracker for a while now because I was constantly thinking 'Did I pay this? Did we mail that out?' but I need to start thinking about a real budget. Instead of just the willy-nilly I'll pay it when I get it mentality. I've always had a pretty good idea of where my money went....I knew I'd spent too much at Target but it really didn't cut into anything else. I knew that I had the money and I knew where it was going. I wasn't ever too loose with my money, but I did spend it where I really didn't need to. I had a pretty decent savings until I had to buy a new car ..... and with that comes a whole new budget game.
When it comes to numbers and rations, I'm a planner. I like to calculate out this and add up that just to make sure I'm on track with what I need to be. I can't tell you how many times I find little papers lying around with numbers, addition & subtraction, notations, and lines lying around. They are especially prevalent in little tiny note books I have.
Today I want to share with you three desktop sized (8.5 x 5.5 inch) inserts that fit perfectly in an A5 filofax. I could be all technical and do it at proper A5 size......but that is a waste of paper especially since its only a few centimeters off. So these are desktop sized, half page, inserts that you can print at home.
Here's the breakdown:
No Spend Tracker - Because I reeeaaaallllyyy want to spend as little as possible this month, I'm doing a no spend. That means I will not buy clothes, make up, stationery, Project Life supplies, shoes, purses, yarn, etc for the whole month. I reeeeaaalllllyyy would like to carry this into December and I hope I can! So that's what the No Spend Tracker is. I'm going to mark everyday that I don't spend and we'll see what happens!
Monthly Budget - This is like the name suggests, my monthly budget. I had a vague budget before but now it's going to really be broken down. There is a section for the income, your starting balance budget, list of bills with due dates, name, amount, and a section for if it's been paid, an ending balance, and a spot to keep track of your savings. Phew...thats a full sheet of paper! There are two files in this one a right margin and a left margin so you can print back to back if you wish.
Bill Tracker - This is pretty simple, it is an at a glance look to make sure you've actually paid what you think you've paid. For me it's good because I can see not only when bills are paid but which bills are every six months, which bills are quarterly, etc. Like our trash bill is every 3 months and my car insurance is every 6 months. Things like that are good to have at a glance. You can see what's coming up due or if you've forgotten anything that month!
Have fun and budget them dollars!