BEST 2018 PLANNER WITH BUDGET CODE

A tithe is typically 10% of your total income that you plan to give to your church. These should come out of your budget first. Use the “Off the Top” section to take out your tithing, savings, investments, and college savings. Then total up how much you expect to receive throughout the entire month. It’s always better to get more income than expected than less!) Write down your income and the date you expect to receive it. If you don’t know exactly what you will receive, just estimate here. So if you know what income your going to have in a given month, just right it down in the income section. I like to do my monthly budget a few days before a new month starts. This can seem a little confusing so let’s break it down. The next form you will find is the monthly budget form. But if you break it into small chunks, then it’s much more realistic and achievable. A goal of adding $2400 to your emergency fund might seem overwhelming. For example, if you want to add $2400 to your emergency fund this year, then you might right down “add $200 to emergency fund” as one of your monthly goals.

I recommend utilizing this section to break down your yearly goals. You will also notice that I’ve included a column for your monthly goals. By doing this, I can easily flip to a month and see what’s due on any given day. Above you will see I just listed the bills that are due on specific dates.

BEST 2018 PLANNER WITH BUDGET CODE

Use it as an overview to see all of the bills you pay out each month, color code it based on income, auto paid expenses, and other expenses, or use it to track just your yearly expenses that can often be forgotten. The first form in the monthly budgeting spread is a calendar overview. If you aren’t familiar with Dave Ramsey, I highly recommend reading his book The Total Money Makeover or enrolling in one of his Financial Peace University courses either online or through a local church. Also note that this form of budgeting is based off of Dave Ramsey’s financial principles. You can purchase the entire pack of budgeting forms here. I also talk about how I’ve setup my bank accounts to make budgeting in this method so easy! You will see the budget binder setup, how you can utilize each form, and how you can simplify your finances to really keep track of your spending. It really is that simple!īelow I’ve gone through the most important budgeting forms included in the 2018 budget binder. Once you’ve used the monthly budgeting forms for a few months, you will find that it takes you just 15-20 minutes to complete your budget each month! Maintaining your budget shouldn’t be more than 5-10 minutes each week. The 2018 budget binder setup is simple and effective. LOOKING FOR THE UPDATED 2019 BUDGET BINDER?! HEAD OVER HERE TO CHECK IT OUT! However if you’re new around here or not familiar with Dave Ramsey, then you might be asking yourself a lot of questions! How do I use these printables? How do I set up my binder? And what in the world is a sinking fund?! I’m here to answer all of your questions! Last week I shared all about the 2018 Budget Binder and I for one couldn’t me more excited about this set of budgeting printables.

Best 2018 planner with budget