Debt (student loans, auto loans, credit cards). Household (toiletries, laundry/kitchen supplies). Insurance (health, home/renters, auto, life, disability). Medical (insurance, primary care, dental, medications). Transportation (car payment, insurance, maintenance, gas). Utilities (electricity, water, garbage, phone, internet, cable). Housing (mortgage/rent, HOA fees, property taxes). Here are popular categories you will want in your budget: Gather your bank and credit card statements (either paper statements or online) and put each purchase/expense into a category. Or you can opt to look over the previous month and put all of your spending into categories to see how much you’re spending. This is the most time-intensive step because you have to track all of your spending for 1 month, but you can do it. Knowing this total amount is going to help you see where you need to cut spending so you can start saving more. Your take-home pay is $2,000. You may have a side hustle that earns you an extra $500 a month after tax.Īll of your bills and expenses must be under $2,500. One of the first steps to take when creating your budget is finding the total amount you take home each month.įor example, you may have 2 paychecks coming in at $1000 each after tax. Step 1: Calculate monthly income after taxes If you decide you don’t want to buy a budget planner and want to make your own, you can do this.Īll you have to do is include the following things in your budget planner.īudget binders are totally worth it if you want to achieve your financial goals and finally stick to a budget. This was one of the very first budget planners I ever owned and it includes so much for a great price. However, some of the most popular budget planners include the Clever Fox Budget Planner. 
There are so many budget planners out there that it’s hard to say one is the best. What are the benefits of a budget planner?īudget planner books have so many benefits including: It can help you keep your finances organized, save money, and achieve financial goals. Here are a list of the best planner books! What is a budget planner?Ī budget planner is a way to keep your finances organized all in one place.
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When you use a budget planner and physically write down yourīefore we get started, make sure to sign up for my free resource library and get tons of free printables to help achieve your financial goals.
Budget planners have the ability to completely transform the way you manage your finances.
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