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Do you have a best friend?  I’m really starting to think that my budget binder is my best friend…kind of weird, I know, but hear me out.  My printable budget binder has helped my husband and I pay off $54,500 of debt in under 2 years.  It has helped us budget better and improved our finances in Every. Single. Way.  It has helped us improve our marriage and it will help us continue to work towards financial freedom.  Still sound weird? Ok, maybe a little, but trust me…you need a budget binder!

A new year is almost upon us and it is time to stop wishing and start doing.  THIS is the year you make changes and finally organize your finances once and for all!  Once you set up a system that works for your family you will relieve yourself of so much money stress.  The system will hold you accountable and keep you organized month after month.

Gone are the days of using just the simple checkbook register from the bank.  And while yes, I know we are a digital society, I still love using good old pen and paper! I feel it gives me more control and helps me to really feel my finances more than if I’m simply reviewing automated info on a screen.

A budget doesn’t limit your freedom; it gives you freedom.

RACHEL CRUZE

How to Budget Better with a Printable Budget Binder

Our debt-free journey began when we took a money course that changed the trajectory of our lives and taught us how to create a monthly budget. This budget offered us freedom with our finances that we’d never experienced before.

Sure, some months totally sucked… we messed up, overspent, and forgot to include certain expenses, and eventually, I realized that while the budgeting forms from that class were great, I needed something a bit more customized for our family and our specific needs at that time.  

We were in debt, had virtually zero savings and I had just begun a part-time job with a consulting firm. This was our opportunity to make some major changes and I didn’t want to screw it up…again!  I often asked myself, “how can I budget better?”

I stumbled upon some free printable budget binder worksheets online and gave them a shot but I felt they didn’t quite work well for our specific situation of budgeting with a variable income…so I decided to figure out how to make a budget binder that was a better fit for our family’s finances! 

Printable budget binder in pink binder with text that reads: The tool that transformed our family's finances

What is a Budget Binder?

I began to create my own charts and pages in an attempt to become more organized and set up a system for our family finances that would allow me to check myself each month to be sure nothing was double-paid or overlooked!

I called it my printable budget binder bundle and it became an integral part of my daily finance rituals, which included a quick check of my daily balances and posted transactions, a glance at my bill calendar to be sure all upcoming bills were paid, and making any necessary updates to our savings!

I knew I wanted to share this resource so it could benefit others as much as it had (and continues to) benefited us so I finally decided to open my own Etsy shop and offer my Begin to Budget Bundle as my first product.

» READ MORE: How the 30-30-30-10 Budget Rule Actually Works for Budgeting Your Money

Free Budgeting Course

If you struggle with starting a budget check out my FREE Begin to Budget 5-day mini-course (now updated to include daily videos!) to help you get started learning how to budget.  

You will receive one email every day for 5 consecutive days walking you through the entire process of creating your own monthly budget you can actually stick to plus it comes with a free printable workbook to help you work through the course and get started on the right foot.

This course will help you…

  • Change your money mindset
  • Understand what a budget is and what it is not
  • Teach you how to create your own zero-based monthly budget
  • How to use the cash envelope system to help you stay on budget
  • Use the debt snowball system to get out of debt

The lessons included in the course are things we’ve learned along our journey to work through completing Dave Ramsey’s Baby Steps System.  They have helped us complete Baby Steps 1 and 2 and we are now living debt-free except for our mortgage.

This has made a huge impact on our lives in ways we couldn’t even imagine. It has improved not just our finances but has also improved our marriage by alleviating the constant stress and fighting over money.

It has improved our parenting as we live more frugally and intentionally and are now passing these new habits along to our children and teaching them about money in ways we were never taught.

It has improved our hearts.  We are more charitable. We always wanted to give but felt that we didn’t have anything to give. Giving is now a priority in our lives and our finances and we intend on increasing our charitable contributions each year because we believe it is our duty to give back as we have been so greatly blessed.

I started helping some people in my life with budgeting and getting their finances organized and they were giving me good feedback on the sheets I was printing for them so I decided to create an official budget binder  I could offer to my readers as a resource so they, too, can use it as a tool to budget, pay off debt and save money.

Begin to Budget Bundle Printable Budget Binder

Introducing the Begin to Budget Bundle, 34 printable pages to help you budget, track your debt, savings, and sinking funds, and organize your finances.  You’ll finally see where your money goes, which categories you spend the most in, and create a monthly budget you can actually stick to.

Picture of printable budget binder on table with pens and paper clips

What’s in the Budget Bundle?

The Begin to Budget Bundle is an instant downloadable pdf – that means you download the file to your computer and print it as many times as you need!  

Once you have it, it’s yours forever!

Everything is undated, so you can reprint and reuse it for years to come, it will never be out of date!

Two Types of Budget Worksheets

Budgeting is not one-size-fits-all which is why there are two different types of budgeting printables so you can budget the way that works best for you. 

Image of budget binder pages with text that reads: Budget your way with two different budget layouts

The monthly budget sheet will help you create a zero-based budget a month at a time.  This will ensure you give every dollar a name and your budget is equal to zero at the end of the month!

Or you can budget each paycheck if you prefer.  In this case, you would print one paycheck budget worksheet per paycheck.  This method can often be easier when just getting started.

To budget by paycheck (or the first half and the second half of the month), you would simply zero out all the expenses that are not occurring during that pay period or half of the month.  

You will also find yearly bill trackers to keep a wide-lens view of your paid vs. unpaid bills for the year at a glance in addition to checking and savings account ledgers.

The teeny tiny ones from the bank just weren’t cutting it for me – I prefer the full page ledgers in my binder, which allow me to view large portions of my transactions at a time and keep my ledger with all of my other finance info together in one place! 

Savings Worksheets and Trackers

You will find printables to help you build and track your savings.  Whether you’re working to save a starter emergency fund or you need help managing your sinking funds, you’ll find a page to help with all your savings needs!

Image of tablet and budgeting printables with text that reads: Save money with trackers and fun savings challenges

Many people set up multiple savings accounts for their different sinking funds but I prefer to dump it all into one major high yield savings account and just track our deposits and balances on their own sheets, almost like a ledger.  

I print out one tracker per sinking fund and it helps me stay organized and quickly see our progress in any one fund without having to constantly log in to our accounts!

Debt Trackers

A huge component of financial freedom is eliminating debt.  You cannot thrive, financially, if your money is not your own.  When you are in debt, your money belongs to someone else!

You’ll find a debt snowball worksheet (this was the system we used to pay off $54,500 of debt in 20 months) and be sure to also check out this amazing spreadsheet that calculates your debt-free date for you.

Image of tablet and debt payoff budget printables with text that reads: Pay off debt and watch your net worth grow

How to Set Up Your Printable Budget Binder

I filmed an entire YouTube video walking you through my entire budget binder setup.  Of course, you can set up your binder in whichever way works for you. Your bill-paying and tracking workflow might be different than mine so be sure to organize it in whichever way feels most efficient to you.  

Remember, a budget binder is a tool to help make your life easier…not more complicated.  So if something feels as though it’s not working well for you – switch it up.

I like to divide my budget binder up by month and keep a calendar in each month (included in the bundle) where I fill in all paydays, bill due dates and any other expenses I’m aware of in advance.  This helps me plan better when sitting down to prepare our budget for the month ahead.

I also include a written budget (on the included budgeting sheets) as almost a “rough draft”, and I keep this in the binder under each month’s tab and usually get them out again during our monthly budget meetings.  I’ll jot down notes on this throughout the month when needed and I’ll toss these at the end of the year.

I’m still fine-tuning my process each month.  Some months I’m feeling a bit keener on the paper budget and some months I’ll feel compelled to work more on my spreadsheet budget (usually when I’m looking at the big picture and trying to project our financial goals).

Budget binder with pens and calculator and text that reads: printable budget binder for beginners

Your budget is a very personal thing and unique from anyone else’s.  Regardless of which method you choose to budget, I am here cheering you on.  I know what it feels like to try to budget many times over and fail…many times over.  But each time you have to get back up and try again.  If financial freedom is important to you (and it should be) then you owe it to yourself to keep trying until you get it right.

And if paper + pen(cil) just isn’t your jam, check out my new Simple Budget Spreadsheet Template to help you digitally manage your budget.

🤑 NEED SOME EXTRA CASH?!? 🤑
This eBook has 70+ LEGIT side-hustle ideas
GRAB YOUR COPY AND START EARNING TODAY!


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Owner | Founder at Cents + Purpose | Website

Kristin Stones is the owner of Cents + Purpose, an online community dedicated to sharing practical personal finance content. Her mission is to equip women with the necessary tools and knowledge to take back control of their money and live a more purposeful life. She creates actionable content to help her audience achieve financial wellness using her simple approach to managing money - all learned through her personal experience of paying off almost $55,000 of debt in under two years.

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