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Discretionary spending might be the only category where you can find and divert money toward debt reduction and savingJune 14, 2010 at 11:10 am by Connie My husband and I have been keeping track of ALL of our expenses for over 15yrsFinding this saved my day! I pinned it already and Im giddy to print them off! brittany hernandez saysApril 22, 2014 at 7:47 am I just came across your site, what an AWESOME budget idea! I have been on your blog for over an hour, Im in love with your ideas, im a mom of 3 and can relate to sooo many of them :) Prusha Souza saysApril 18, 2014 at 1:14 am Hi there Mique,First of all I really appreciate this binder is free to download without any forms of payments and making an account(No spam, ever!) Subscribe (Free!) New! Get a collection of over 800 of our favorite papers from this site on CD-ROM for $39 Its pretty and also covers just about everythingThis would be a good place to keep similar items all in one place for easy access like important papers such as; Birth Certificates, Marriage License, Contracts with various lenders like banks, credit unions, Credit Card Companies, or insurance companies.2Download: Monthly Ledger Template
I also love the idea of having a historic record my descendants can hold in their handsWe both came in with a bit of debt and our goal is to be completely out of that hole in 3 yearsNichole saysSeptember 2, 2014 at 8:10 am I have a quick question on the trackers How is the monthly tracker different than the weekly tracker? Would you track every weeks ending balance onto the monthly tracker? Or is it more of an either/or preference? Thanks! Samantha saysAugust 31, 2014 at 1:03 pm I found your technique on pinterest and I decided I am going to try it&i just have to stick to it! Taylor saysAugust 24, 2014 at 4:08 pm Have you ever considered modifying it for a bi-weekly budget? Or for those who get paid bi-weekly? I wish I knew how to do stuff like this myself! Theyre awesome! :) steam showers saysAugust 22, 2014 at 8:48 am A Lot of features on these steam showers, Im keen on the radio opinion along with the lighting Azelia saysAugust 12, 2014 at 11:30 pm Thanks for this :) Q? what dose the CHG and SVG stand for?? sorry if its a stupid question Taylor saysAugust 26, 2014 at 11:06 pm checking and saving, respectively! :) Stacy saysAugust 6, 2014 at 8:26 pm Your budget binder is exactly what I need!!!! I have always had trouble with budgeting- hever knowing where to start& Thank you!! Nicole saysAugust 1, 2014 at 8:47 am Thank you so much!! This is so perfect and so so helpfulManaging money the old-fashioned wayThe money you allocate for everyday expenses goes into an envelope each month – that's right, cashHowever, we will begin recording all of our household transactions in a ledger, with my wife taking the lead on reconciling the household ledger bookWrite down each transaction on the ledger sheet as it occursThe data-collection aspect of these websites reflect ledger qualities rather than budget qualities.But these websites also allow you to input your goals for future spendingLeave a comment to let me know what works best for you
I almost feel guilty for taking and using all of your ideasThank you! Mique saysMarch 26, 2014 at 6:56 pm Oh yay! So glad you like them Stefanie! Ive toyed around with making everything in the mini size but its a lot of workWe started at 14 accounts and plan on seven (2 IRAs each, brokerage, savings and checking) by the end of next yearNOT GOOD! This actually makes me excited and it is so simple and realistic& 2014 will be budget success finally thanks to you! :) TARA saysJanuary 22, 2014 at 6:25 am I CANNOT GET THE PRINTABLE VERSION TO DOWNLOAD :( Mique saysJanuary 22, 2014 at 6:33 am I just clicked on it on my end and it worked just fineKeeferP saysSeptember 13, 2014 at 7:46 pm Thanks so much for making this printing process painless and so creativeAllowance play money for anything you want, even if its only $5.00
Credit card total payment can be entered in the first expense column, and the breakdown in the various categories it goes intoI have checked an re-checked several times to make sure that it works on my endThese Budget Binder forms are an excellent tool that would fit right in and I just printed them out todayPart of my services is to help create a monthly budget laying out the income and expenses and spending every penny on paper (like Dave Ramsey advocates), but have been doing this with just a plain old piece of notebook paperplus I shop all year for Christmas and birthday presents so I keep that as a bill also Mique saysApril 6, 2014 at 2:58 pm Thanks for the tips Melissa! Glad you like what I createdA drink when you are out, a new lipstickI had no trouble I clicked the download and they came up just fine as a PDF and then I hovered my mouse on the bottom right corner and it gave me options to save to my computer or printBut please remember these are just a few extra ideas, that I came up with that might increase the efficiency of keeping track of things in an average household
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