In about seven weeks this year will be over. Oh, my! But first the upcoming holidays! I bet there’s a lot to celebrate and presents to buy. Without a budget, it’s easy to get sidetracked because of the festivities must-haves. Brace yourself for a moment; you don’t want to welcome a new year with piled up credit card bills and live the same challenging financial cycle from the previous year over again. Today is the best day to plan on staying on top of your finances. Download Free Printables: 2018 Budget Binder here to get started.
If you’ve downloaded my 2017 Budget Binder, you’ll notice that I didn’t include the groceries list and meals for the month in the 2018 Budget Binder. Instead, I added the monthly budget blank template, bill payment tracker, and debt snowball payment tracker. What happened to the groceries list and meals for the month sheets? For efficiency reason, I decided to include both sheets in the Home Binder this year.
Budget Binder Cover – Self-explanatory. 🙂
Financial Goals – This is where you list your financial goals for the month along with last months for comparison purposes. Make sure to list your goals, set a time frame and take action plan.
Monthly Budget – I highly recommend using zero-based budgeting; Total Income – Total Expenses = $0. This concept assigns a name to every dollar which is giving value to every dollar. My previous blog, I mentioned the reasons why I listed both Tithes/ Charity and Savings under Expenses.
Monthly Budget Blank Template – I get it! There are no two budgets that are the same. That’s why I have created this blank template for you!
Monthly Expenses Breakdown – Seeing the expenses breakdown helps make necessary adjustments.
Monthly Other Expenses Breakdown – It’s always good to know what are those miscellaneous items that otherwise only listed as Other Expenses. It helps you make necessary adjustments.
Bill Payment Tracker – If you’re just getting started, I highly recommend that you use this tracker to get the accurate numbers on each bill and of course, to stay on track of your monthly payments.
Outstanding Debt Information – Easy and simple way to track your progress in paying off your debt since it includes a full payment target date. Without a time frame, taking accountability is missed!
Debt Snowball Payment Tracker – This method works great! It motivates you to keep pushing harder to get your debts paid off. It shows you where you stand with details. Read the Dave Ramsey method here.
Savings Account Information – I use the same page for the next month depending on the space. That way, it’s easy to track where you stand for the month and year.
Stay tuned for more updated 2018 Free Printables!