Make budgeting fun and easy
If you are anything like me, I am a visual person. I like to write things down, doodle little pictures, and really be able to visualize my goals.
My friend Gina Zakaria from The Frugal Convert has put together this kick-butt money planner to help you do just that! Now, if you don’t already know Gina, let me give you the down low. Gina is super-passionate about personal finance and helping others to understand how to manage their money better. She is a full time personal finance blogger who paid off over $105,000 in debt in just 5 years!
Listen, I know saving money can be difficult, especially if you are already living on one income or are living paycheck to paycheck. Believe me, I’ve been there! There is a quote by Peter Drucker (the founder of modern management) that I really try to live by both with my finances and my business, “if you can’t measure it, you can’t change it.”
It simply means this, if you are tying to change something, you need to measure it.
Creating goals that stick
You can’t just say “I’m going to save more this year.”
I mean, technically you CAN say that, but how far are you really going to get?
Now, instead of saying “I’m going to save more money this year,” set a S.M.A.R.T goal.
Therefore, a S.M.A.R.T goal would look something like: “I’m going to set aside $10 per week into my savings until I have saved $1,000 for an emergency fund.”
But in order to see if you are reaching these goals, you need to track or measure them. Just like you would weigh yourself every week if you were trying to lose weight.
A planner to fit your needs
For each month there is a goal sheet, much like a little monthly vision board. There is a spot for your money vision, dates to remember, and money goals. I like the dates to remember part because with kids, there are many varying expenses. This helps me to remember when one-time payments are due (like dance pictures or annual fees for things).
After that, there is a monthly budgeting sheet. This is essential for anyone that is tracking their money. Make sure to include your savings goal in the “expense” category.
Now that you have established that saving is a priority in your budget, the savings pile worksheet will help you to visualize your savings goals. Are you saving up for a down payment for a house, your emergency fund, a family vacation? This is the place to put that down.
It’s easier to stay on track with a budget when you have a solid plan. The weekly agenda helps you to keep your life in order and your finances on track.
Next, there is a weekly meal planner. As you can guess, this is one of my favorite parts of the planner! Of course you should plan out your meals. You are going to be less likely to spend money eating out when you have a plan to make meals at home.
Need some help with meal planning? Let me do the heavy lifting for you and email you a weekly meal plan that includes a shopping list and numbered ingredients list so you don’t forget which ingredients go with which recipes! All for less than the price of a fancy coffee! Click the image below to find out more!
Lastly, there is a reflections page. I think this is super important because you should look back on the month and reflect on your wins and losses. What did you do well? Did you hit your savings goal? Awesome-write it down. Did you go over budget on something-write that down too!
Make sure you are celebrating your wins and checking in with yourself on how you can improve on any hiccups.
If you are interested in purchasing Gina’s planner, you can find it in her store, here.
Now, I would also like to mention that this is not a sponsored post nor will I receive any compensation if you happen to purchase one of Gina’s planners. I simply believe in her planners and think they are super useful!
She also offers a kid’s version and a teen version. Why not have your kids join in the fun and have them create their own budget? It’s never too early to start teaching your kids about financial responsibility.
You might also like…
- Help Your Kids Understand Their Finances with these Printable Money Games
- Family Budgeting Basics-What You Need to Get Started
- Pay Off Your Debt Fast with the Snowball Method!
How do you budget best? Comment below!
The Frugal Girl's Guide to Meal Planning
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