free downloadable templates for budgets and saving

#Free downloadable templates for budgets and saving free

Month at a Glance: I included the version I will use with basic bills in it as well as a blank version.Outstanding Debt Information: A place to put all of your outstanding debt to keep track of and watch it decrease throughout the year.Savings Information: A place to put all of your savings information to keep track of and watch it increase throughout the year.Note: D/W on both stand for “deposit” and “withdrawl” like in a traditional checkbook ledger. Monthly Ledger: Similar to the weekly ledger only with a longer time frame.

Weekly Ledger: to record all of your expenses and deposits, like a big checkbook balance but more obvious than that tiny little thing.Budget Binder cover & spines: self explanatory.

#Free downloadable templates for budgets and saving free

Here’s how I intend them to work (but feel free to adjust them to your needs): The correct one is included in the packet. Note: I updated the Month a Glance to include groceries on it. I hope you’ll be able to gain something from these sheets though. So what works for us, might not work for you. Without a doubt, every family is different. I’ll continue to add more as time goes on and I get a feel what works best. I sat down and started brainstorming the kinds of things I wanted in a budget binder. Probably because we’ve failed before and I don’t like starting something that I know I haven’t accomplished in the past. SO- here we are- 15+ years later, trying to whip into shape. It’s crazy to think about that but I know that time will zoom by. College, weddings, retirement, etc will be here before we know it. We are now at the point of our lives where our kids are a teen/pre-teen and elementary schooler. Or we’d try and then one of us would spend and the other would try to nag him into not doing so…and then that one person would get fed up and just start spending again. So I walked the line but never fully embraced a budget. The idea of bouncing a check (which used to be the only way to pay bills a million years ago) was horrifying. Although I don’t like to follow the crowd necessarily, breaking rules scares me. I was a little more naive but TERRIFIED of getting in trouble. He knows WAY more than the average person about credit, debt, etc. Josh has been in the collection industry since he was a teen (his Dad owned a collection agency and he still works in that field).

Here we are early twenty-somethings, engaged and blissfully unaware…. Neither of us were horrible with money then but we definitely could’ve buckled way down. One of us likes to spend on big ticket items, while the other shops shops shops to find the best deal but buys lots of little things that add up. Josh and I, as most couples do, came into our marriage with our own ways of spending money. If you’d like to get the current one, get more information here. > I recently updated this Printable Budget Binder.