![]() This dashboard provides you with a useful chart to track up to 22 monthly bills and their amounts every month of the year. Well, this may not exactly be made of paper, but the Monthly Bill Tracker dashboard from Erin Condren does work perfectly in tandem with your Monthly Planner or LifePlanner from Erin Condren. Snap-In Monthly Bill Tracker Dashboard, $6 on Bonus Erin Condren Option: Monthly Bill Tracker Dashboard You can use this page to track the payments you’re making on multiple debts, and the layout shows you visually how you’re dividing your debt payments among them. In the Debt Management Tracker, you write down your starting balance including all debts, the debt being paid off, how much you owe, your payment, the date, the new balance, and the remaining balance. The Monthly Budget Book ends with a contacts page, passwords page, and a debt management tracker, which is like the savings goal page. There’s a slot for your saving goal and then the actual deposit you make. Having this page first is a subtle reminder that saving should come first. There’s also a monthly saving goal page at the start of the notebook. I’ve already run into the issue of needing to add on more money to certain sections, but with teeny-tiny handwriting and some whiteout, I can keep it all updated and under control. The boxes are small because the notebook is small, but that’s the price you pay for a portable budget book. However, it’s the exact kind of rude awakening I needed, and I’ll now be much more aware of when and how I’m spending my very limited, very precious dollars.Įach month has an entire page with every category broken down, plus room for you to write in your own categories. Within 20 minutes of writing in the month of May, I wanted to scold myself for the $9-worth of ATM fees and $130 spent eating out. Warning though: It will make you feel shame for any senseless spending. The practice of writing down your expected income and your expenses is good for learning what it really means to budget.Įrin Condren Budget Book, $12 at The Erin Condren Monthly Budget Book breaks everything down-and I do mean everything. Actually, I think even college-age students could benefit from it. Erin Condren Monthly Budget BookĪfter using this budget book, I highly recommend it to every single 20-something fresh out of school. It’s clean, to-the-point, and a great way to see and analyze your spending. There are also boxes at the bottom of each month for your monthly expenses, including rent/utilities, insurance, books/supplies, tuition/fees, cell phone, and three other blank boxes. There are eight slots for different expenses, and four of those are labeled with “food,” “entertainment,” “transportation,” and “personal care.” Each day of the month you write down how much you spent on those various items, and at the end of the month you add up the totals so you can see just how even or unbalanced your spending is. This little notebook has 13 monthly charts for tracking your expenses. The Be Your Best You Budget notebook from ClassTracker, however, is a great tool for budget newbies and those who prefer a more simple approach. In general, tracking budgets is overwhelming, especially for those new to the process-and sometimes budget trackers can make the experience seem even more daunting. ClassTracker Be Your Best You NotebooksĬlassTracker Be Your Best You Notebooks, $10.99 at ClassTracker If you want to be financially responsible and literate, I recommend choosing one of the following budget trackers. ![]() Instead of budgeting on loose pieces of paper and sticky notes like I used to, it’s best to have an actual notebook dedicated to budgeting-or at the very least a planner with a built-in budgeting section. It’s really the only way to make sure I have enough money to eat at the end of the month. I hate budgeting just as much as the next shopaholic, but I’ve learned it’s really important to honestly and consistently budget.
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