Family Finance Tips ~ Budget Planner

Budget Planner

Welcome to February Family Finance Organizing Tips!  This week is all about your Budget Planner and I promise, we’ve got an easy solution that any Mom can handle.  The latest in our year long GO MOM!® Organizing Tips Series ,our advice is entirely based on the concept that you need to live like you are moving. When it comes to family finance, its really easy for most of us to overlook it, put it off, no keep the best records, and that’s why I’m here today.

So where do you begin? Of course you begin with a Budget Planner and we’ve got some great forms in our GO MOM!® DIY Planner to make this really simple for you to create ~ Organized Budget and Organized Expense are just the start!

Make a Budget Planner

Choose whatever binder you like. I’m using this soft sided binder it it works great.  Part of a  series of DIY Home Notebooks, I’ve got them for all kinds of areas in my life right now which is really helping me stay focused on key topics I’m working on those tasks.

Use your Budget Planner on a Schedule

I sit down with my Budget Planner basically twice a month when its time to pay bills.

Track Your Expenses

Most financial experts will tell you to track your expenses to the penny every single month. I am NOT a finanicial expert but I do love using our Organized Expenses sheet to help keep me on track and tell me how we are spending our money.

Make A Budget

Now that you have your expenses tracked, you can use that information to make a budget. Our Organized Budget worksheet has columns for both planned and actual expense tracking. This enables you to take a look at your expenses, do the planned thing, and then at the end of the month you can write in that actual and at then you can look at where you are plus or minus and make adjustments accordingly. It also helps you with periodic bills. This totally puts you in charge of how you handle your money moving forward.

Manage Your Receipts

You need somewhere to keep your receipts. I try to place receipts in this folder every single day but if not, I will put them in twice of month when I sit down to do my bills. This receipt catcher stays in the Budget Planner so that I have all the key information right where I need it so when it comes time to reconcile my accounts I can double check things and make sure I’m on track. And at the end of the month, I can shred most of those I won’t need to keep.

Include Key Contact Information

Home service providers, insurance contacts and vehicle information ar e all expense related categories that might be served well to have handy in your budget planner for ready reference. They all can represent periodic expenses you need to always be planning ahead for. And for extra credit, grab copies of our FREE Seasonal Checklists because they are full of projects you’ll want to stay on top of and often include some kind of expense.

Include a Password List

If you are using online bill pay or online banking, its always helpful to have your passwords handy. I have way too many to remember and now that we have to change them all the time, its just easier to jot them down as I go.

Family Finance Tips

So that’s what I keep in my DIY Budget Planner. You might also want to keep stamps and a calculator handy in the storage pocket in your binder or you might want to have envelopes handy if you are using a cash only budget method, all personal to you. We’ve got a great Family Finance Tips Pinterest Board with all kinds of Family Finance Tips that we’d love for you to check out. And today I’d love to know…

Do you use a Budget Planner? Tell me about it!

Lets all learn from each other ~ that’s what this is all about! We are going to live like we are moving so we are going to laser focused without a single detail that goes unchecked, staying on budget and well organized just like you would if you were moving this month. Thanks so much for stopping by ~ we’ll see you next time!

Thanks so much for stopping by and we’ll see you next week for our next installment ~ take care!



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