Our Free Budget Binder Printables are here!

We’ve received multiple emails asking a free version of our paid Budget Binder, so here it is! We’ve created this FREE printable Budget Binder in the hopes that it’ll help you keep track of your income and expenses while paying off your debt and saving more. 

This is your year to take control of your finances!

Ever since we started budgeting almost a decade ago, we have seen the power of what simple money management can do for us!

Building a budget isn’t difficult, and it shouldn’t be scary for you. It’s a chance for you to take control of your finances and change the course of your life!

We went from over $33,000 in debt, struggling to pay the bills every month, to being debt-free and building a 6-figure retirement account in only seven years. It’s no secret that creating a healthy budget was the key to our success.

Now it’s your turn to be successful with your money, and this Budget Binder is going to help you!

Who’s ready to get their finances in order?

>>> Grab your free budget below!

Want to see what’s included in our Free Budget Binder?

I’m sure you’re eager to see what is included in the Budget Binder. For being FREE, I can tell you that you’re getting quite a few awesome tools.

Let’s check it out so you can see exactly what’s in the binder.

Free Budget Binder Printables – The Cover

The cover page is super simple – There’s even a spot for you to write your name. I hope you love it as much as we do!

Budget Binder- Financial Goals

When it comes to financial goals, I’ve found it helpful to set both short-term and long-term goals. For example, a short-term goal would be saving an extra $100 by the end of the month. A long-term goal would be paying off your car loan or mortgage.

So how do you put this goal sheet to use?

Choose a goal or three! We’re currently trying to save money for a year-long road trip with our camper in the future. So what we would write in the goal box is to save money for full-time RVing.

Next is the “time frame” box. This box is where you write the time frame in which you hope to meet your goal.

For example, we expect it to take us one year to save enough money for full-time traveling in our camper. So in the time frame box, I would write a date one year from today.

Seeing goals and having your timeline written down on paper is really going to motivate you to reach those goals.

Now it’s time to list your action steps. How are you going to meet your goals? If you are trying to pay off debt, how much do you have to pay down every month?

Can you cut back on your bills anywhere? Are bonuses coming out at work anytime soon? Tax season is right around the corner, are you going to get a tax refund this year?

Think about your goals and what steps you need to take to make it achievable. These high-level steps are things you can do to help you reach your goal!

Having a solid plan with your end goal in mind and a lot of determination is a recipe for success!

Related posts you’ll enjoy:

• The Cash Envelope System: The Beginners Guide
• Create A Better Budget To Achieve Financial Freedom Today
• 5 Steps We Took To Save $100k In 5 Years
• How To Save Money As A Single Income Household

Debt Tracker

I’m guessing one of the reasons you’re here is to get help controlling your debt. Well, this Debt Tracker is just the tool for you!

This debt tracker has been such a big contributor towards paying down our debt. Being able to see our debt disappear visibly has been an amazing experience.

This is why I placed the Debt Tracker at the front of your binder.

Here are some examples of debts you might have:

• Student Loans
• Vehicle Loans
• Credit Cards
• Hospital Bills
• Mortgage

Once you have listed out all of your debt, don’t forget to list out the amount owed, your monthly payments, and the date the payments are due. This is a great way to keep track of your monthly payments, and it also helps you keep track of their due dates.

We know how difficult it can be to track all your debt payments each month. There’s nothing worse than missing a payment because you forgot about it.

In our article, How we Thrive as a Single Income Household, we talk about automating your payments. This has been the key to paying all of our bills on time every month as well as saving money!

We love telling our money where to go and you will too!

Monthly Bills

This printable is a great way to keep track of your monthly bills, especially if you don’t have your bills on auto-draft yet.

We like to use this page with our Auto-Draft Tracker that you can find in our Full Budget Binder. You can learn more about that by clicking here.

I keep this sheet in multiple areas in my home, so it’s easily accessible. We keep ours posted inside our kitchen cabinet and inside my budget binder.

We used this tracker to help us eliminate a lot of unnecessary bills from our lives. This should be your goal too.

Here are a few examples of bills you might have:

• Cable
• Internet
• Cell Phone
• Utilities
• Gym Membership
• Daycare

An easy way to figure out how much you owe each month for each specific bill is to go online to your bank account. Look back at recent months and see how much you’ve paid for each individual bill.

If you need help figuring out when the bills are due, just call the company and ask. They’ll be able to give you the precise date.

There are fantastic benefits to keeping track of your monthly bills.

If you see an unexpected rise in your cable/internet/or phone bill, call up that company. There is a good chance that you can get them to lower it through a little negotiation.

Monthly Expenses

The next thing I wanted to include in our printable budget binder for YOU was a monthly expense sheet!

Feel free to print off as many of these sheets as you need!

If you’re new to budgeting, you should check out the Ultimate Guide to Budgeting. This is a step-by-step guide that will help you keep track of your spending and make sure you stay within the budget you created for yourself!

Keeping track of how much you are spending (your expenses) each month is very important, especially for those of you who are trying to save money and pay off debt.

It is vital to make sure you’re not spending more money than you make each pay period. 

Here are some examples of expenses:

• Groceries
• Entertainment
• Clothing
• Necessities
• Gas

Savings Tracker

The savings tracker has to be my favorite part of our printable budget binder and there is a good reason for that, who doesn’t like having money in their savings?

With our savings tracker, we’re able to reach our goals like paying off our student loans, saving money, investing, and of course, traveling!

Whether it’s building an emergency fund or saving for your kid’s college fund, this savings tracker is going to help.

You can use your savings tracker in a couple of different ways.

One way is to track your savings toward a specific goal. If you want to save $1000 in 3 months, write that in the goal spot up top. Then, every time you add money to your savings towards that goal, fill it into your savings tracker!

Another way you can use this sheet is just to track how much money you save in a specific month. Keep track of every dollar you set aside for savings and add it up at the end of the month!

I like using the Savings Tracker with our Thousand Dollar Savings Plans you can find in our Full Budget Binder Here.

We use the description column kind of like a personal note column. For example, “We received our tax refund and move X amount to savings.” Then make sure to write in the amount you moved.

I love watching our savings increase and having the feeling of financial security; it’s such a great feeling!

Emergency Fund

I don’t know about you, but there is something about an emergency fund that just gives you a great sense of security.

Have you ever had an emergency arise and didn’t have the fund to pay for it?

I think we all have at one point in time. 

Use this sheet to establish your emergency fund. We recommend having enough money saved to live off of for 4-5 months. If that seems outrageous to you, start small even if you can only put a dollar away a day!

Notes

Lastly, we created a notes page so you’d have a spot to jot down anything extra that we missed.

Take time to reevaluate your goals every month as well as your budget. Taking time to look back month by month will give you that motivation you need to keep going and pushing forward towards your goals (because we know you have some pretty big ones).

So are you ready to receive your FREE Printable Budget Binder? 

If so grab your free binder below and it will be emailed to you instantly!

If you’re excited about this FREE 2020 Budget Binder, I think you should check out this Full Budget Binder as well.

It’s got everything you love about the free budget binder but so much more.

You can learn more about it here!

Maybe you’re not ready to take your budgeting game to that level yet. That’s okay; we’ve got something else for you.

Fill out the form below to get our FREE Build A Better Budget Workbook sent to your inbox. This workbook will help you set up the same budget that we have been thriving off for the last nine years.

You’re going to want these step-by-step instructions to get you started!

If you enjoyed this article, make sure to follow us on Pinterest for more money saving tips and tricks!

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