My Secret for Saving Money - Budget Binder Printables

I am sure if you are here then you know the importance of saving money and managing your finances. But that does not mean that it is an easy process. I am constantly learning from my own spending mistakes and adjusting my family's budget to figure out what works best with our lifestyle. One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.I believe that order to make wise decisions with your money you need to be organized. Being financially responsible is not a simple task. But, being organized will help you to see exactly where you are spending your money to help teach you different ways that you can cut back to potentially increase your savings or help you to get out of debt.Most people hear the word budget and they go running. I used to be the same way until I sat down and looked at how much money my family and I were actually spending each month. Eeekkkk! It was scary. We were blowing our money like crazy. Our groceries bills a month were outrageous. I knew I need to do something, and FAST.Budgeting is not something to be afraid of. It is actually a simple process if you are willing to devote a few minutes every day or a specific time slot weekly. Sure, it is easier said than done, but today I am going to share with you one of the ways that I keep my finances organized by using a Budget Binder. Most of you know that I LOVE printables. Anytime I can make my life easier with a worksheet or printable I jump on it.So, let's do this together! Use my budget binder to help you get closer to increasing your savings account and becoming financially free. One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.Some of the items on this list you can already find on my site to print out and use to make your own 2015 budget binder, but mine includes:CoverMonthly Financial GoalsYearly Financial GoalsMonthly Bill TrackerMonthly BudgetBank Account InformationDebt PaydownBlank CalendarHolidays & Observances 

Monthly & Yearly Financial Goals

I like to sit down and set monthly and yearly financial goals. The Monthly Financial Goals sheet will allow you to reflect back and figure out what you can do differently each month. It also has an area for you to write down what you need to do to reach those goals.The Yearly Financial Goals sheet offers you a place to write out your major goals for the year. For example, one of your yearly goals may be to save up enough money to replace the roof on your home. You could then write that in for Goal #1 along with the estimated cost and a date for when you would like to have it completed by. This will help you to see why you are saving money or cutting back on other expenses throughout the year. This can also be a place where you write in a vacation goal. It will give you a deadline to have enough money saved up for your vacation. Then, each month your goal might be to put away an extra $100 for that vacation and you can use the monthly financial goal sheet for a more specific goal.One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year. One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year. 

Monthly Bill Tracker

I love having this sheet in my binder because it allows me to pay my bills on time and stay organized. One of the top financial struggles I hear from my readers is remembering to pay bills on time. I hate to admit it, but I am definitely guilty of not paying bills on time too. Don't you just hate having to pay a late payment fee? Those costs really add up. This printable will prevent you from having to put out extra money each month when paying your bills. One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

Monthly Budget

If you have been around my blog then you have probably seen my monthly budget printable. It is extremely simple to use and I have heard a lot of positive feedback from my readers who use it. For this sheet, you can easily track your income and expenses each month by filling in your totals. I have a column for estimated so that you can budget your money and then a column for the actual amount of the expense each month. To make it easy, I have even created a downloadable Excel spreadsheet that will figure out the totals for you each month.One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year. 

Bank Account Information

This sheet is pretty much self explanatory, but it is nice to have all of this information together in one place. I have a separate bank account for my blog and we also have separate bank accounts for our three boys. It is nice to have the account numbers and routing information handy for when I need to make any kind of transaction. This is a great place to keep information for a savings account that you can directly deposit money into from each paycheck.One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year. 

Debt Paydown

I am sure you can agree that paying down debt is extremely difficult. Being able to find extra money to put towards your debt each month is hard. You can use this printable to keep track of each creditor you have. For example, you will want to print out a copy for each loan or credit card. This will help you to keep track of the amount of debt you have with each one while staying organized to pay it off. It will help you to track the interest rates, balances and payments you make.You can print a separate sheet for each creditor. For example, you can print a copy of this debt payoff planner for your car loan and then another copy for a credit card that you have. This will help you to keep track of your debt and help you to stay organized while paying it off. You can track the interest rate, balances and all payments that you make. This sheet can help you to decide which debt you are going to try to tackle first.One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

Blank Calendar

I like to include this calendar so that I can write down important dates and even keep track of when we will be receiving paychecks or other income. This will help you to figure out how much money you can budget each month. There are certain months where my husband will receive an extra paycheck because of the amount of weeks in that month. One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year.

Holiday & Observances

This sheet is in my budget binder so that I can plan our spending for holidays and other occasions. I will compare those dates to our payday schedule and make sure I am budgeting enough money.One of the first steps in being financially responsible is being organized. In order to figure out where you are spending your money you need to have a budget. Use this free printable budget binder to start managing your finances and saving more money this year. To use the budget binder printables, I recommend you print out:1- Cover12- Monthly Financial Goals1- Yearly Financial Goals12- Monthly Bill Tracker12- Monthly Budget1- Bank Account Information {unless more are necessary}Debt Paydown {however many are necessary}12 - Blank Calendars1- Holidays & Observances Once you have everything printed you will then need to assemble it. I use a standard white binder that has the plastic piece in the front to slip the cover page into. This is how I assemble mine, but you can put it in the order that works best for you:

  1. Holidays & Observances
  2. Bank Account Information
  3. Debt Paydown
  4. Yearly Financial Goals
  5. Blank Calendar
  6. Monthly Financial Goals
  7. Monthly Budget
  8. Monthly Bill Tracker
  9. Repeat for each month {Blank Calendar - Monthly Bill Tracker}

 If you are ready to take your budget to the next level, then check out my Budget Makeover Workshop mini course. It will teach you how to create a budget that fits YOUR lifestyle.

You can get all of these printables sent directly to your inbox for you to print out and start using today! Enter your information into the form below to gain access.

[convertkit form=4932018]

FF PrintablesAdelineBudgeting71 Comments