Include a checking portion that lists a starting and ending balance, as well as monthly bills. The budget page will show expected totals for the month. There is one simple way to create a budget-planner spread: Create a side-by-side monthly budget page and monthly expenses page. Budget trackers break down monthly spending into categories to make them more manageable. With your financial goal in mind, pick a related “spread.” (In BuJo terms, a spread is another way to say layout or design.) Here are the most common bullet journal spreads for personal finance: Budget plannerĪ budget tracks income and expenses - that’s why it should come first. Are you saving for a trip? Do you want to pay off your student loan debt? Big or small, make sure that your goal is actionable and current so you can start working toward it right now. Only choose one.ĭecide what area you need the most financial help. First, identify your main financial goal. A too-ambitious or hazy goal can overwhelm and lead to lost motivation. One mistake that bullet journal novices make is going too big, too quickly. Here’s how to set up yours and start living a well-organized life -well, financially at least. If you want to get financially organized - with a dose of creativity and fun - then look no further than bullet journals for personal finance. The craze has swept the internet, with millions of beautifully-designed bullet journal images on Instagram and Pinterest. If so, then set up a bullet journal to add to your collection.Ĭreated by Ryder Carroll, a New York-based designer, the Bullet Journal (BuJo) is a method that helps users keep track of the past, organize the present, and look forward to the future. Do you rely on life hacks to keep you organized? What if you could apply that to your financial life? Think: a meticulously balanced checkbook and budgeting apps.
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