The Ultimate Printable Budget Binder

I am a statistic.  Sad but true.  It’s the new year and here I am talking about getting healthy and—- budgeting.   I created accountability binders for my kids months ago but it’s time that Josh and I had a little more accountability.  I decided enough was enough and got to work.  If you follow me on Instagram you may recently have seen a picture of my Friday night date….   the Ultimate Budget Binder:

The Ultimate Budget Binder featuring 10+ printables from www.thirtyhandmadedays.com

Disclaimer:  I am not a budgeting expert.  I created this binder to really get my act together.  I’m hoping that we can learn and grow together.  I’m open to any and all (constructive) ideas.  Now that that’s out of the way……

Josh and I, as most couples do, came into our marriage with our own ways of spending money.  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.  Neither of us were horrible with money then but we definitely could’ve buckled way down.  I wish we had.  Hindsight is 20/20 though, right?

Here we are early twenty-somethings, engaged and blissfully unaware….

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).  He knows WAY more than the average person about credit, debt, etc.  I was a little more naive but TERRIFIED of getting in trouble.  Although I don’t like to follow the crowd necessarily, breaking rules scares me.  The idea of bouncing a check (which used to be the only way to pay bills a million years ago) was horrifying.   So I walked the line but never fully embraced a budget.  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.  Hmmmmmph.
We are now at the point of our lives where our kids are a teen/pre-teen and elementary schooler.  They are growing up FAST.  College, weddings, retirement, etc will be here before we know it.  It’s crazy to think about that but I know that time will zoom by.  Or that’s what they tell me.
SO- here we are- 15+ years later, trying to whip into shape.  Financial shape.  Budgeting still scares me.  Probably because we’ve failed before and I don’t like starting something that I know I haven’t accomplished in the past.  Oh well.  It just needs to happen.  I sat down and started brainstorming the kinds of things I wanted in a budget binder.  I came up with over 10 printables.  I’ll continue to add more as time goes on and I get a feel what works best.  Without a doubt, every family is different.  So what works for us, might not work for you.  I hope you’ll be able to gain something from these sheets though.
Month at a Glance- part of the ultimate Budget Binder from www.thirtyhandmadedays.comNote: I updated the Month a Glance to include groceries on it.  After the picture was taken.  The correct one is included in the packet.   

Here’s how I intend them to work (but feel free to adjust them to your needs):

  • Budget Binder cover & spines: self explanitory
  • Weekly Ledger: to record all of your expenses and deposits, like a big checkbook balance but more obvious than that tiny little thing.
    You can print 4 for the month.
  • Monthly Ledger: Similar to the weekly ledger only with a longer time frame.
    Note: D/W on both stand for “deposit” and “withdrawl” like in a traditional checkbook ledger.
  • Savings Information: A place to put all of your savings information to keep track of  and watch it increase throughout the year.
  • Outstanding Debt Information: A place to put all of your outstanding debt to keep track of and watch it decrease throughout the year.
  • Month at a Glance: I included the version I will use with basic bills in it as well as a blank version.  You will fill this out at the beginning of the month and check off the bills and fill in the totals.  There’s a spot for the starting balance and ending balance.  You also have space for extras that you might not traditionally have each month.  I included the savings portion as well- to show when you deposit or transfer money into there as well as a starting and ending balance spot.  Goals are included so that you can keep moving forward.
  • Year at a Glance:  Similar to the month at a glance but more of an overview of the entire year.  You will transfer monthly information onto this sheet so that you can see where you started and ended each month in checking as well as savings accounts.
  • Meals for this Month:  Having a monthly meal plan will help cut down significantly on grocery expenses.
  • Groceries List: This is to help you have a plan when you go to the grocery store and to cut back on unnecessary extras.

If you are looking for the binder and supplies, here are some that I have used:
Affiliate links are used below.

 

The Ultimate Printable Budget Binder - featuring 10+ amazing printables from www.thirtyhandmadedays.com for personal use only

Download a full Ultimate Budget Binder Printable SetAs always, for personal use only.  Thank you!
Note: This download is a PDF- it is not editable.  In order to download, you need to have a program like Adobe Reader (free).   I have checked an re-checked several times to make sure that it works on my end.  I have been asked to email the file and simply don’t have the time to do so.  Thank you for your understanding.  Please refer to my Printable FAQ’s.

Binder Series from www.thirtyhandmadedays.com  Includes printables for 4 different important binders! Awesome ideas and easy to use.

Click below for other binder posts. Full to brim with ideas on how to better organize your life.
(says the girl who could use a lesson or two on organization)

Do you love this idea but would prefer a mini sized binder?  I now have it available for download in the smaller size with a few additions to it.  Check it out:
The Ultimate Budget Binder, Mini Edition featuring 15 printables from www.thirtyhandmadedays.com
I’d love to hear your tips/tricks/ideas to setting and maintaining a budget.  Leave a comment to let me know what works best for you.

Mique
Hi- I'm Mique (as in Mickey). I started 30days as an idea file a few years ago. After three years and hundreds of ideas, I now realize that I'll never check them all off my list. When I'm not creating, I love spending time with family and friends and long drives, especially if they end at the beach.
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Comments

  1. Dominique says

    Thank you so much Mique for this awesome post and free printable budget binder set! I am a student going for my bachelor in my junior year. I work per diem along with going to school, and I am trying hard to keep track of my income as well as my spending. I have no major bills (Thank God) because I still live at home, but I want to start early with training myself on keeping track of my spending. This will help me so much! Thank you again!!

  2. Sharon Thomas says

    a couple of suggestions for your budget. Everyone should have a bit of money for whatever. We have two lone items.
    Allowance – play money for anything you want, even if it’s only $5.00. A drink when you are out, a new lipstick. You get the idea.
    Entertainment – examples: to either rent a movie or go to one, dinner out, entrance fees for a museum or fair

  3. Terry says

    Really. Paper and binders? lol. It’s 2014 people. We have apps for that on PC’s, Mac’s, iphones, ipads, Smart Phones and Tablets.

  4. Nichole says

    WOW! Thank you so much for this! I know all about the opposite spending habits.. my husband loves to spend and I love to save. I think we’ve found a pretty good balance after 5 years of marriage. We’ve come up with our own budget sheets but yours are much cuter :) Thank you for taking the time to share your ideas with people and allowing us to use your adorable printables!

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