If financial freedom is something you want and you want to learn more about how to make it happen, I would highly encourage you to find a church that is offering Dave Ramsey’s Financial Peace University. Click Here to Download the Bill TrackerĬlick Here to Download the Budget Tracker Today I want to share a couple of printables to help you achieve your goals. So, we analyze our budget, set boundaries, and track our spending. I’ve talked before about what it means to live on one income – and how we don’t just survive, we thrive.Ī big part of that is knowing what money is coming in and what money is going out each month. It’s not that I need to increase my income, it’s that I need to live comfortably within my means. And for me, that includes not being stressed out by money. But my heart behind creating this blog is to encourage you to live a life you love. It’s not as flashy as a master bathroom renovation or a living room re-design. I don’t know what the specifics will be for your family. And in Quarter 4, you track every income and expense so that you have a clear financial picture when you start setting goals in the next year. In Quarter 3, you could set a budget or try a “spending freeze” so that Holiday spending doesn’t throw you for a loop. Maybe in Quarter 2, you also put a little extra into savings or retirement or start chipping away at lingering debt. Maybe during Quarter 1, it means cutting out Starbucks or Fast Food or cable. To me, financial freedom means not feeling burdened by finances, but the specifics may change with the season. If money is on your mind, may I suggest an intention to include on your list? Financial Freedom. We are doing things a little differently this year, choosing to set big intentions that don’t change and then setting more fluid actionable steps that can change with the season. When most people fill out their New Year’s Resolutions, money usually makes it onto the list – make more, spend less, save more. If you want to read more about it, you can visit the first post here – Vision Casting and Goal Setting – Any Time of Year. It is part of our low-stress goal setting series where we are setting intentions for our year and then creating actionable steps that evolve with the season of life. ![]() I use highlighters to color code the items on this tracker.This budget planner is designed to help you set and meet your financial goals. There are 3 months on each page with dates from 1 to 31. ![]() Quarterly log – This is what I personally use to keep track of my bills and other things. Notes – These are blank pages so you may personalize your planner by drawing charts or adding more lists, like meal plans, grocery list or construction expenses. (I only list down unplanned expenses because I already have a bills calendar for my planned expenses.) (My categories now are savings, insurance, taxes, rent, groceries, and bills.)īills and expenses tracker – Keep track of your bills due and daily expenses. The categories chart is where you list down money for savings, sinking funds, rent and other expense categories. ![]() (The rest of our money are on our other savings accounts so I don’t overspend.)īudget planner – This is where I plan my budget for the month. This helps me check if I have just enough available balance on my credit card or debit card for that week. I write down the monthly bills due for each day and other regular expenses like groceries or dog food. Monthly bills calendar – Each month has a unique floral theme. ![]() Future log – I use this for listing down annual and quarterly bills and major celebrations that require more than usual spending.
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