My Secret for Saving Money – Budget Binder Printables

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I am sure if you are here then you know the importance of saving money and managing your finances. But that does not mean that it is an easy process. I am constantly learning from my own spending mistakes and adjusting my family’s budget to figure out what works best with our lifestyle.

 

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

I believe that order to make wise decisions with your money you need to be organized. Being financially responsible is not a simple task. But, being organized will help you to see exactly where you are spending your money to help teach you different ways that you can cut back to potentially increase your savings or help you to get out of debt.

Most people hear the word budget and they go running. I used to be the same way until I sat down and looked at how much money my family and I were actually spending each month. Eeekkkk! It was scary. We were blowing our money like crazy. Our groceries bills a month were outrageous. I knew I need to do something, and FAST.

Budgeting is not something to be afraid of. It is actually a simple process if you are willing to devote a few minutes every day or a specific time slot weekly. Sure, it is easier said than done, but today I am going to share with you one of the ways that I keep my finances organized by using a Budget Binder. Most of you know that I LOVE printables. Anytime I can make my life easier with a worksheet or printable I jump on it.

So, let’s do this together! Use my budget binder to help you get closer to increasing your savings account and becoming financially free.

 

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

Some of the items on this list you can already find on my site to print out and use to make your own 2015 budget binder, but mine includes:

Cover

Monthly Financial Goals

Yearly Financial Goals

Monthly Bill Tracker

Monthly Budget

Bank Account Information

Debt Paydown

Blank Calendar

Holidays & Observances

 

Monthly & Yearly Financial Goals

I like to sit down and set monthly and yearly financial goals. The Monthly Financial Goals sheet will allow you to reflect back and figure out what you can do differently each month. It also has an area for you to write down what you need to do to reach those goals.

The Yearly Financial Goals sheet offers you a place to write out your major goals for the year. For example, one of your yearly goals may be to save up enough money to replace the roof on your home. You could then write that in for Goal #1 along with the estimated cost and a date for when you would like to have it completed by. This will help you to see why you are saving money or cutting back on other expenses throughout the year. This can also be a place where you write in a vacation goal. It will give you a deadline to have enough money saved up for your vacation. Then, each month your goal might be to put away an extra $100 for that vacation and you can use the monthly financial goal sheet for a more specific goal.

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

 

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

 

Monthly Bill Tracker

I love having this sheet in my binder because it allows me to pay my bills on time and stay organized. One of the top financial struggles I hear from my readers is remembering to pay bills on time. I hate to admit it, but I am definitely guilty of not paying bills on time too. Don’t you just hate having to pay a late payment fee? Those costs really add up. This printable will prevent you from having to put out extra money each month when paying your bills.

 

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

Monthly Budget

If you have been around my blog then you have probably seen my monthly budget printable. It is extremely simple to use and I have heard a lot of positive feedback from my readers who use it. For this sheet, you can easily track your income and expenses each month by filling in your totals. I have a column for estimated so that you can budget your money and then a column for the actual amount of the expense each month. To make it easy, I have even created a downloadable Excel spreadsheet that will figure out the totals for you each month.

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

 

Bank Account Information

This sheet is pretty much self explanatory, but it is nice to have all of this information together in one place. I have a separate bank account for my blog and we also have separate bank accounts for our three boys. It is nice to have the account numbers and routing information handy for when I need to make any kind of transaction. This is a great place to keep information for a savings account that you can directly deposit money into from each paycheck.

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

 

Debt Paydown

I am sure you can agree that paying down debt is extremely difficult. Being able to find extra money to put towards your debt each month is hard. You can use this printable to keep track of each creditor you have. For example, you will want to print out a copy for each loan or credit card. This will help you to keep track of the amount of debt you have with each one while staying organized to pay it off. It will help you to track the interest rates, balances and payments you make.

You can print a separate sheet for each creditor. For example, you can print a copy of this debt payoff planner for your car loan and then another copy for a credit card that you have. This will help you to keep track of your debt and help you to stay organized while paying it off. You can track the interest rate, balances and all payments that you make. This sheet can help you to decide which debt you are going to try to tackle first.

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

Blank Calendar

I like to include this calendar so that I can write down important dates and even keep track of when we will be receiving paychecks or other income. This will help you to figure out how much money you can budget each month. There are certain months where my husband will receive an extra paycheck because of the amount of weeks in that month.

 

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

Holiday & Observances

This sheet is in my budget binder so that I can plan our spending for holidays and other occasions. I will compare those dates to our payday schedule and make sure I am budgeting enough money.

One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

 

To use the budget binder printables, I recommend you print out:

1- Cover

12- Monthly Financial Goals

1- Yearly Financial Goals

12- Monthly Bill Tracker

12- Monthly Budget

1- Bank Account Information {unless more are necessary}

Debt Paydown {however many are necessary}

12 – Blank Calendars

1- Holidays & Observances

 

Once you have everything printed you will then need to assemble it. I use a standard white binder that has the plastic piece in the front to slip the cover page into. This is how I assemble mine, but you can put it in the order that works best for you:

  1. Holidays & Observances
  2. Bank Account Information
  3. Debt Paydown
  4. Yearly Financial Goals
  5. Blank Calendar
  6. Monthly Financial Goals
  7. Monthly Budget
  8. Monthly Bill Tracker
  9. Repeat for each month {Blank Calendar – Monthly Bill Tracker}

 

If you are ready to take your budget to the next level, then check out my Budget Makeover Workshop mini course. It will teach you how to create a budget that fits YOUR lifestyle.

You can get all of these printables sent directly to your inbox for you to print out and start using today! Enter your information into the form below to gain access.

FREE Budget Binder Printables

Budget binder 2017 cover

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This Post Has 70 Comments

      1. Good Morning Addi,

        Unfortunately I’m not seeing a form above the comments section. The comments were the only place the request anything or send you a message. I do see where it states to use the form below and then it has an ad, related posts and information about you, next is the comments section. If I’m blind just let me know haha! :D. Thanks for all your help.

        Reply

  4. I subscribed to your newsletter, but i haven’t received the email to print the Budget Binder Templates. Please let me know if there is anything else i need to do; i cant wait to get this ready!

    thank you!

    Reply

  6. The budget binder is what I’ve been looking for. I would love to get the email of the printables please. Thank you so much !!

    Reply

  16. Your Budget Binder is what I have been looking for. I would love to be able to use the printable. What can I do you get the printables? Thanks!

    Reply

  23. Hi! The reason you keep getting people saying they want the forms emailed to them is the form is not configured correctly. After “enter your information below” it simply has a text saying [convertkit form = 4917358] and you can’t click on it. Not sure if it isn’t configured for phones or what the problem is, but it’s not as simple as people not seeing the form to fill out. Thought you would like to know.

    Reply

  29. Hello!

    I also would like to receive these printables, but only see the text “[convertkit form=4932018]”

    Would you please be so kind as to email them to me?

    Thank you!
    Michelle

    Reply

  36. I didn’t get the email with the printable form after filling the form out. I would love a copy of them! I checked my spam box also. thanks!

    Reply

  37. although its a little complicated relative to how i handle my finances, i really like how broken down all of it is. This is definitely a great resource for anyone struggling to manage their finances.

    Reply

  38. Is there any possibility of getting the rest of the 2015 budget binder printables? I just really like the look of them. Thanks,
    Sheila

    Reply

  42. I have subscribed but the download never arrived in my in box. I’m super excited about your binder set up. It looks amazing. I hope I get to use it. Please guide me in the right direction to print these out. Thank you.

    Reply

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