You can start one using a blank notebook or buy one of the many available in the market. What Is A Monthly Budget Planner?Ī monthly budget planner is a workbook that you use to calculate and track your estimated and actual monthly income and expenses. Occasionally, I use the spreadsheet to map out different spending scenarios and show my husband the numbers. Since then, I’ve upgraded from a legal pad to a budget binder to a monthly budget planner I personally designed. Start a simple monthly budget planner book on a legal pad or notebook. That visceral feeling of knowing where our money had gone was a great wake up call, one I was utterly missing for years when using digital tools to budget. I filled out an entire sheet with all our grocery store purchases adding up to almost $1,500!Īre you kidding me? What the heck did we buy at Walmart? Did we buy the entire store? The first time I wrote all our expenses down, I got sick to my stomach. Using a legal pad, I started doing my monthly budget and expense tracking on paper, and oh boy, was I up for a rude awakening. Then, I decided to go old fashion and use a budget planner book. Also, I didn’t register my spending emotionally. But that also didn’t change anything for me! There was something about tracking expenses digitally that I did not enjoy. So, I decided to give budgeting with an app a try. After all, I would spend most of my day at work behind a screen. ![]() ![]() I dreaded getting on the computer to budget. unlike Budgeting on excel or an app a budget planner book allows you to register your spending emotionally too. However, sometimes, in fact, many times, I would go weeks without looking at my lovely spreadsheet, hence not paying much attention to my expenses. I could copy my template from month to month, getting a head start. Budgeting electronically saved me time as well. It was easy, practical, and my husband liked that method. I know this because, for over a decade, I used an Excel spreadsheet for our household budget. Writing down your income and expenses will make you more aware of the REAL estate of your finances. Why is budgeting on a book or notepad better than electronically? For a simple reason. But I believe that the best way to manage your money is using a monthly budget planner. ![]() Some people use spreadsheets, and others use apps. There are many ways to budget your money.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |