I have always been very cautious with my money. I only bought what I needed…with the occasional exceptions 😉 I’m only human – sometimes you just need the shoes!! A couple years ago I started creating these budget calendars and it has helped me in so many ways!!
It is super easy and a great way to get an idea of where you could be in a month if you simply stick to your budget! The first step is to create a simple calendar document. I do mine in Publisher, but you can do it on Word, excel or even a basic pen and paper! There really are no excuses!!
First start by inputting your current checking and savings account balances. Then go through the month and start inputting your bills. (Credit cards, student loans, gym membership, mortgage/rent, utilities, etc.) Don’t forget to input gas and groceries. If you want to give yourself some spending money each week add that in as well. I choose not to put in spending money so that I don’t give myself that option. If something comes up I know whether I can afford it or not but I don’t want to give myself an allowance to spend money if I don’t need anything!
Then input your pay day – whether you get paid weekly, bi weekly or monthly. Do not add extra income if it is not consistent. Don’t give yourself false hope. For example I am a Sales Manager and although I do get an annual salary I also get commission. I don’t add that into my budget because it varies based on the month.
I also have it set up in my account to deduct a certain percentage of my paycheck that automatically transfers to my savings account. This takes any “extra” money I have and forces me to save each month. Before I set this up, I wasn’t consistent with saving and even though I had the money each month to save, If it was in my checking account I would spend it. When its in my savings account it might as well be in china and I would have to walk to get it. I never touch my savings!
I have attached a sample budget form below – check it out!! I have also included a sample budget form so you can just fill it in!!
Especially around the holidays it is really important to budget!! If I don’t budget around the holidays I end up spending WAYYYYY too much on presents and extras that i really don’t need. Especially with black friday and other holiday sales! It is really tempting to just buy buy buy!
I have pretty hefty goals in 2019 and in order to reach those goals I can’t be buying extras right now so this savings and budgeting has been a lifesaver!!
Try it out and let me know what you think! Also let me know if you have any savings tips that have worked for you 🙂