Best free budget planner
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This largely comes down to its size which, at 5.3 inches wide, 7.7 inches long, and 0.6 inches thick, is the perfect size for carrying in your day to day bag.
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The Go Girl Budget Planner is a favorite for many, with reviews often finding it as being the best money planner for those looking for convenience. That said, if you’re looking for the best money planner you can get, Erin’s planners are a great ones to consider.Ī funny observation by one Amazon reviewer: the debt and savings trackers only have 11 lines, not 12, so you can’t put an entry every month This will be fine (or even preferred!) for most people but if, for some reason, you have quite a few non-standard expenses, you may have to do some adjusting so that everything fits. In particular, it comes with a number of pre-completed bill categories rather than the more generic categories that some of the others have. One thing to note is that Erin‘s planner is very detailed. It’s also very high-quality, with several comments on Amazon mentioning that their ink never goes through the page and that their budget planner book has held up well despite the fact they use it every day. The layout is also really well done, with plenty of space to address everything you need. The fact that there’s already color inside immediately helps to brighten up the budgeting process. The cover alone is pretty spectacular, but what’s inside is clearly more important and Erin hasn’t left anything behind when it comes to design. In terms of design, this is easily going to be one of the best budget planner notebooks out there. Money Dials could include things like fitness, convenience, luxury items, travel, self-improvement , and social status.Comes with pre-completed categories for bills – depending on your preferences, you may prefer to divide your bills up yourselfĮrin Condren is famous for being a planning guru and with this budget planner, it’s easy to see why. By honing in on your Money Dials-the things you really love to spend on-you can prioritize your spending in a way that makes sense for you.
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Following this logic, you categorize your expenses into essential fixed costs, important investments, savings goals, and-last but not least-guilt-free spending.īy allocating space in your budget for the fun stuff (minus the guilt), you’re more likely to stick to that budget in the first place. Instead, consider trying a conscious spending plan. The truth is that living a life of constantly telling yourself “no” isn’t sustainable (or enjoyable). Many people assume that effective money management means scrounging, saving, and never enjoying life. You might also have smaller, more short-term goals, like saving for your dream wedding or buying a luxury car. Smart money management can help you achieve those objectives. You likely have some financial goals in your life, whether it’s improving your net worth, paying off your college student loans, or achieving FIRE (financial independence, retire early). But without planning for expenses, a big income can lead to big debt. But it doesn’t have to be! I spoke with a couple in episode 114 of my podcast who overspent on holidays because their earnings combined were a lot. The entire point of these tools is to simplify money management so you can think about your money less, not more.įor many people, budgeting and planning for big expenses like vacations are a struggle. Simplified spreadsheets help develop your plan, and budgeting apps, like those that automate expense tracking, help you stick to it. Finally, you need to stick to your plan.īudgeting spreadsheets and tools are great resources for creating a conscious spending plan. You then need to decide how much money to allocate to each bucket. You need to start with a bullet-proof budget, categorizing all of your expenses into one of these four buckets: fixed costs, investments, savings, and guilt-free spending. Conscious spending is a great way to enjoy life while still building a financially secure future.