Free Budget Binder Printables For 2023 (Make Saving Money Easy)

Our Free Budget Binder Printables are here!

We’ve received multiple emails asking for a free version of our paid Budget Binder, so here it is!

We’ve created this FREE printable Budget Binder to 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 tools can do!

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 thousands in debt, struggling to pay the bills every month, to being debt-free and building a 6-figure retirement account in our twenties. 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 FREE Budget Binder will help you do that!

Who’s ready to get their finances in order with this free printable budget planner?

Free Printable Budget Planner – Supply List

There is a small supply list that you will need to put together your free printable budget planner. Budget binder supplies are cheap and easy to come by. If you’re lucky, you might have most of it lying around your home.

• Printer– I personally use this printer and love it!
• Paper – Any printer paper will work.
• Three-ring binder – Buy any color three-ring binder to hold your free budget binder.
• Three-hole puncher– You will need a three-hold puncher to punch holes in your binder.
• Labels and page dividers – Use labels and page dividers to separate the different sections.

What’s Included In Our Free Budget Binder?

I’m sure you’re eager to see what is included in this free printable finance planner. 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 this printable budget planner.

1. Cover Page– Use this cover page as the cover for your finance printables. Slip it right into the cover of your three-ring binder.
2. Financial Goals– Use this page to set your financial goals for the year.
3. Debt Tracker– A debt tracker is essential when paying off debt.
4. Monthly Bills– Tracker your monthly bills with this tracker.
5. Monthly Expenses– Record your monthly expenses here.
6. Savings Tracker– Use this savings tracker to track your savings each month.
7. Emergency Fund Tracker– Build up your emergency fund using this fun tracker.

Follow along below to see each free budget printable included in our free budget binder.

Free Budget Binder Printables – The Cover

The cover page of this free budget planner 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 to save an extra $100 by the end of the month. A long-term goal would be paying off your car loan, student loans, 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. We would write in the goal box to save money for full-time RVing and the amount we need to save.

The more specific you get with your goals, the better.

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 a really good motivator to help you 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 them 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:

• 7 Of The Best Cash Envelope Wallets For Budgeting Your Money
• 12 Best Budget Apps For Couples (Never Fight About Money Again)
• 4 Budgeting Methods You Must Try (When You Don’t Know Where To Start)
• The Best Free Debt Tracker Printable: Kiss Your Debt Goodbye

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 debt payments.

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 to 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 and saving money!

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

Monthly Bills

This printable budget form 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 to find in our Full Budget Binder.

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’ve also used this monthly tracker to help us eliminate a lot of unnecessary bills. 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 a previous month and see how much you’ve paid for each 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 a 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.

If you notice that a large number of your bills fall within a two-week period, spread out your bill’s due dates.

For a while, most of our bills were due during one pay period, and we struggled to pay them all simultaneously. We found that most utility companies allow you to pick your bill date. So we moved our bills around so we could evenly distribute our bills between our two paychecks each month.

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!

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

Here are some examples of expenses:

• Groceries
• Entertainment
• Clothing
• Necessities
• Gas

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

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 the savings tracker, you will reach goals like paying off your student loans, saving money for a vacation, or investing.

Whether it’s building an emergency fund or saving for your kid’s college fund, this savings tracker will 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, whenever 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!

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!

I also like using the savings tracker with our Thousand Dollar Savings Plans you can find in our Full Budget Binder.

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 without the funds 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– Printable Budget Planner

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 the motivation you need to keep going and pushing forward toward 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, which will be emailed to you instantly!

If you’re excited about this FREE 2023 Budget Binder, you should also check out this Full Budget Binder. It’s got everything you love about the free budget binder and much more!

You can learn more about our Full-Budget Binder here!

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

Related budget binder articles:

• 9 Of The Best Budget Planners You’ll Obsess Over In 2021
• 10 Steps You Can Take To Organize Your Finances This Year
• 6 Crazy Simple Money Moves To Make Before You Turn 30
• Dave Ramsey’s 7 Baby Steps: What Are They And Will They Work For You