The great thing about using a journal is that they are inexpensive and you can find them anywhere. So, I switched to an Erin Condren Petite Journal. After some thought, I decided that I wasn’t utilizing the entire planner enough to justify the cost. Until this year, I was using the Erin Condren Deluxe Monthly Planner. My budget planner is broken up into 3 sections:įor the budget planner itself, I have used several different types of planners and notebooks. Then, in the next couple of months, I will share each individual part. Today, I am going to share my overall budget planner. I would like to take the next couple of months to walk you through our entire process in hopes of helping y’all as well. We have been able to pay off several bills, accumulate a debt snowball of $950 a month, and pay for a Disney vacation without going into debt. It wasn’t an easy process, especially starting our debt snowball, but it has been so beneficial. Since 2018, my husband and I have been on a debt free journey. ![]() Until I wrote down the amounts I owed on my credit cards, then subtracted and added to them, I wasn’t concerned with the total. When you have the actual figures in your face, then it makes it real. How I Use a Budget PlannerĪ budget planner forces me to know where my money is going and how much is walking off each month. Several years later, I am here to say that a budget planner changed my life. ![]() Remember, our bills were paid and we had money left after each payday. I had little to no confidence in this system making any difference in how we managed and organized our money. Then, I decided to set up a budget planner to see if it would make a difference in my family’s money management system. ![]() So, why did I need to go that extra step? I made sure all of my bills were paid on time and I always had money left in my checking account afterwards. I will be honest, I didn’t see the point in a budget planner, until a few years ago. The following is a guest post about how to use a budget planner from regular contributor, Kristin at The Gold Project.
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