Budget Binder

Us(1
Q1

How to Use The Budgeting Binder
Cover Page: Print the cover page and place it in the front pocket of your binder.
Monthly Goal Tracker: 6LPSOHHDV\WRXVHSODFHWRWUDFN\RXUȨQDQFLDOJRDOV*RDOVFRXOGEHSD\LQJRȧGHEWIXQGLQJ\RXUHPHUJHQF\IXQG
and investing for retirement.
Simple Budget Tracker: Record your income on the right side of the page. Write down your monthly expenses to the best of your
knowledge. Compare budgeted expenses vs. actual. Make remaining balance calculation at the end of each month.
Monthly Expense Planner: A place to track all of your monthly expenses in one simple easy to see view.
Paycheck Budgeting: Another way to monthly budget. Fill out expected income and expenses for each paycheck period. Your expected
H[SHQVHVVKRXOGEHZKDW\RXSODQRQSD\LQJIRUZLWKHDFKSD\FKHFN)LQLVKE\FDOFXODWLQJWKHGLȧHUHQFHIRUHDFKOLQH
Bills Payments Calendar: A place to write down due dates for your bills so you are never late again!
Bills Payment Checklist: If a calendar view is not your style, this is a simple checklist to write down when your bills are due.
Bill Payments Tracker: A combination of both the bill payment calendar and bill payment checklist. Stay on top of your bills for the entire
year.
Daily Expense Tracker: Record the date of your purchase on the date line. Record what the expense was and what type of category it would
fall under. What method of payment did you use? Cash, credit, or debit card and record the total amount spent in the last box.
Medical Expenses: 5HFRUGWKHGDWH\RXJRWWKHELOOLQWKHILUVWER[:KHUHGLG\RXJHWELOOHGIURPDQGZKDWW\SHRIVHUYLFHWRRNSODFH"
7KHQSODFHKRZPXFKWKHELOOLVGXHLQWKHQH[WER[:LOOWKHLQVXUDQFHEHFRYHULQJDQ\RILWDQGKRZPXFK"$IWHULQVXUDQFHUHFRUGKRZ
PXFK\RXZLOOQHHGWRSD\RXWRISRFNHWDQGWKHQZKDWWKHWRWDOEDODQFHLVGXH
Credit Card Info: 5HFRUG\RXUFUHGLWFDUGLQIRUPDWLRQVRLWȆVHDV\WRILQG<RX0867NHHSWKLVLQDYHU\VDIHSODFH
Debt Payments Tracker: Record the type of debt you are looking to track. Place how much your monthly payment is and how much
the LQWHUHVWUDWHLVRQWKDWSDUWLFXODUGHEW:ULWHGRZQLILWȆVDIL[HGRUYDULDEOHLQWHUHVWUDWH&DOFXODWH\RXUHVWLPDWHGSD\RIIGDWH)LQDOO\
ZULWHdown your remaining balance
Bank Account Info: 5HFRUG\RXUEDQNDFFRXQWLQIRUPDWLRQ<RX0867NHHSWKLVLQDYHU\VDIHSODFH
Savings Tracker: 3ULQWPXOWLSOHSDJHVLI\RXKDYHPRUHWKDQRQHVDYLQJVDFFRXQW8VHWKLVWRUHFRUG\RXUPRQWKO\VDYLQJVIRUHDFKDFFRXQW
Emergency Fund: 5HFRUG\RXUZHHNO\GHSRVLWVLQWR\RXUHPHUJHQF\IXQG5HFRUGWKHUXQQLQJWRWDOLQWKHODVWFROXPQ8VHWKHSURJUHVV
tracker to shade in your progress. Record any notes in the box.
Sinking Funds: $UH\RXORRNLQJWRSXWPRQH\DZD\IRUDELJWLFNHWLWHP"8QGHUȈ*2$/ȉSXWWKHLWHP\RXDUHORRNLQJWRVDYHPRQH\IRU
For example, a cruise you want to take. In the next column put the total of how much the cruise is going to cost you. Put the date of when the
FUXLVHLVLQWKHȈ'8('$7(ȉFDWHJRU\,QWKHODVWFROXPQUHFRUGKRZPXFKPRQH\\RXQHHGWRVDYHWRUHDFK\RXUJRDO6LPSO\WDNHWKHWRWDO
DPRXQW\RXQHHGWRVDYHDQGGLYLGHLWE\KRZPDQ\PRQWKVXQWLO\RXQHHGWRUHDFKWKHJRDO7KLVZLOOJLYH\RXWKHH[DFWQXPEHU\RXQHHGWR
save each month.
Retirement Tracker: Whether it is your 401(K) or your IRA, you can use this tracker as a running total as you grow your
retirement account. Place the type of account in the description and the total amount from your current paycheck. Keep a running total of the
new amount you have in your retirement account.
Donation Tracker: 8VHWRWUDFN\RXUGRQDWLRQVWKURXJKRXWWKH\HDU$JRRGUHPLQGHUWRVSUHDG*RGVEOHVVLQJWRRWKHUV
Holiday Tracker: Record the holiday in the upper right-hand corner. Plan out what you need for the holiday occasion and budget out how
PXFK\RXWKLQN\RXDUHJRLQJWRVSHQG7KHQJREDFNDQGUHFRUGWKHDFWXDODPRXQW\RXVSHQWXQGHUHDFKFDWHJRU\

GOAL 1:
ACTION STEPS
ACTION STEPS
ACTION STEPS
ACTION STEPS
DEADLINE: DEADLINE: DEADLINE:
GOAL 2:
ACTION STEPS
ACTION STEPS
ACTION STEPS
ACTION STEPS
GOAL 3:
ACTION STEPS
ACTION STEPS
ACTION STEPS
ACTION STEPS
MONTHLY TRACKER(PoT

SIMPLE Budget TEMPLATE
INCOME 1 INCOME 2 OTHER INCOME TOTAL INCOME
+ + =
FIXED EXPENESES BUDGETED ACTUAL VARIABLE EXPENESES BUDGETED ACTUAL
DEBT/SAVINGS BUDGTED ACTUAL TOTAL INCOME
FIXED EXPENESES
VARIABLE EXPENESES
DEBT/SAVINGS
TOTAL LEFTOVER
-
-
-
=

+
+
=
-
=
SUBTOTALS:
INCOME 1:
INCOME 2:
OTHER INCOME:
TOTAL INCOME:
TOTAL ACTUAL EXPENSES:
REMAINING BALANCE:
EXPENSES BUDGET ACTUAL
SIMPLE TRACKERBudget

ITEM BUDGET ACTUAL DIFFERENCE COMMENTS
INCOME
INCOME 1
INCOME 2
OTHER
SAVINGS
RETIREMENT
EMERGENCY FUND
KIDS EDUCATION
OTHER
HOUSING
MORTGAGE/RENT 1
MORTGAGE/RENT 2
HOMEOWNERS INSURANCE
PROPERTY TAXES
MAINTENANCE
AUTO
AUTO PAYMENT 1
AUTO PAYMENT 2
FUEL
AUTO INSURANCE
MAINTENANCE
LICENSE & TAX
UTILITIES
ELECTRICITY
WATER
GAS
TRASH
CELL PHONE
INTERNET
CABLE
FOOD
GROCERIES
EATING OUT
DEBT PAYMENT
DEBT 1
DEBT 2
TOTAL:
MONTHLY PLANNER&YQFOTFT

EXPENSES PAID BY FIRST PAYCHECK
EXPENSES PAID BY SECOND PAYCHECK
SUMMARY
FIRST PAYCHECK
SECOND PAYCHECK
TOTAL INCOME:
TOTAL EXPENSES (Add all Subtotals):
MONTH END BALANCE (Income - Expenses):
SUBTOTAL:
SUBTOTAL:
PAYCHECK Budgeting
EXPECTED ACTUAL DIFFERENCE
EXPECTED ACTUAL DIFFERENCE
EXPECTED ACTUAL DIFFERENCE

BILL PAYMENTS $oFOEBS Month / Year:
SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY

BILL PAYMENTS
Bill Name Due Amount Balance Paid
$IFDLMJª

BILL TRACKER
Bill Type Due JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
1BZNFOUT

DEBT TYPE MONTHLY
PAYMENT INTEREST RATE FIXED OR
VARIABLE
EST. PAYOFF
DATE BALANCE
DEBT TRACKER1BZNFOUT

TOTAL:
DATE EXPENSE TYPE CATEGORY METHOD AMOUNT
DAILY TRACKER&YQFOTF

NAME: YEAR:
BILL DATE BILLED FROM SERVICES RENDERED TOTAL AMOUNT INS. PAYMENTS OUT OF POCKET BALANCE DUE
MEDICAL &YQFOTFT