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Budget binder printable1/15/2024 ![]() ![]() Ouch! That is $180/month for a $9 lunch everyday. Are you eating out for lunch? My husband’s take out lunches were racking up $9-12/day.If you buy take out coffee everyday on the way to work, that is $5 a day x 5 days a week = $25 per week, just in coffee alone.You may think it is impossible to save that much money – but trust me, it is totally possible! This gem is set up to help you start your emergency fund. The third one is for each individual creditor for you to watch your progress.The second sheet is a tracker to make sure you are logging in all your payments.There is one worksheet for you to write all the debts down with more detailed instructions on how to use the sheets, in case you aren’t familiar with Debt Snowball.Why? You will see success as you watch the easiest debts disappear. The Snowball principle is for people like me! Instead of paying off the highest interest rate debts, you start with the LOWEST balances first. There are three pages in this section for those ready to jump in feet first. Print this last one out for each creditor you have. The third one is for each individual creditor.The second sheet is a payment log to keep track of your payments.There is a worksheet for you to write all your debts down along with detailed instructions on how to use it.The principle here is that you start paying off your debt with the HIGHEST interest rate debts FIRST and then work down. There are three pages in this section for those ready to start the Debt Avalanche method of debt reduction. You wouldn’t want to forget to use it, right? □️ Debt Avalanche It is best to use these to make the binder bright and easily seen. There are several different sizes of spines as well for you to print and insert. Slip these inside the plastic sleeve on your binder. There are three different cover sheets for you to use here depending on your preference. This is jam packed with useful worksheets, so stick with me here as I go over most of the ones included in the binder. Encoding is the biological process by which when you write it down it has a much greater chance of being remembered.” Forbes Magazine □ What’s Included a piece of paper) that is very easy to access and review at any time. External storage is easy to explain: you’re storing the information contained in your goal in a location (e.g. “Writing things down happens on two levels: external storage and encoding. Step Three: Schedule 30 minutes a week to go over your budget to see where you stand, did all of the bills get paid? How is that daily spending doing? Do you have a menu planned out for the next week? “You are 42% more likely to achieve your goals if you write them down.” Inc Magazine Why oh why do you have to write it all down? Step Two: Once you have printed off the sheets you need, you will need to log into all of your accounts and start inputting the information on the sheets. Grab some divider sheets, a three hole punch and start printing off the sheets you want to use. It is probably safe to start with a 1 ½ inch size. The number of sheets you plan on using will drive the size of the binder you need. Step One: Grab all the sheets to create your planner. Using this binder is easier than you think. If you like this mini-budget binder, consider getting the full 108 page binder in the shop! These tools will help you take control of your finances and take a step in the right direction to achieve your goals! Find the Full 108 Page Binder Here! □ How to Use It Just enter in your email address and I will get it right over to you! I will email the free mini-budget binder so you can see how it works. □ Let Me Email a Mini-Binder To You! Four Page Mini Binder to Get You Started! It’s amazing how much money you “lose” by not keeping track of where you spend. If you aren’t currently tracking your finances, you are losing the opportunity to know how much money you are spending vs how much money you COULD be saving. You will always know where you stand with your money and your goals if you use one. Budgeting is the most effective way to keep track of your finances. A study by US Bank shows that only 41% of Americans use a budget. ![]()
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