Free Budget Binder Printables: Make Saving Money Easy (2022)

Our Free Budget Binder Printables arehere!

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

We’ve created thisFREE 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 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!

Free Budget Binder Printables: Make Saving Money Easy (1)

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 Budget Binder is going to help you do just 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 in order 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.

Want To See 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
  2. Financial Goals– Use this page to set your financial goals
  3. Debt Tracker– A debt tracker is essential when paying off debt
  4. Monthly Bills– Tracker your monthly bills
  5. Monthly Expenses– Record your monthly expenses here
  6. Savings Tracker– Track your savings here
  7. Emergency Fund Tracker– Build up your emergency fund using this tracker

Follow along below to get a look at each of the free budget printables mentioned above.

Get Your FREE Budget Binder Today!

Start saving more money and pay off your debt with this FREE Budget Binder

(Video) MONEY SAVINGS TRACKER IN UNDER 3 MINUTES | Make & Sell Free Printables with Canva

Free Budget Binder Printables – The Cover

Free Budget Binder Printables: Make Saving Money Easy (2)

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

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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 your goals, the better.

Next is the time frame box. This box is where youwrite 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:

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Debt Tracker

Free Budget Binder Printables: Make Saving Money Easy (4)

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 anamazing experience.

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

Here are some examples of debts you might have:

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  • 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 as well as saving money!

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

Get Your FREE Budget Binder Today!

Start saving more money and pay off your debt with this FREE Budget Binder

Monthly Bills

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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 youmight 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 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.

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 were struggling to pay them all at the same time. What we found is 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.

(Video) Create a Budget Binder | Less than $10 | Easy Tutorial | FREE Printables

Monthly Expenses

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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

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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 your 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 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!

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

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

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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– 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 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 2022 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 our full budget binder here!

Take Control Of Your Money- What Comes Next?

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

Free Budget Binder Printables: Make Saving Money Easy (9)

Get Your FREE Budget Binder Today!

Start saving more money and pay off your debt with this FREE Budget Binder

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FAQs

How do you save on a budget binder? ›

You can keep your cash envelopes in a binder for easy access and also use the budget binder to plan and keep track of the following:
  1. Monthly income and expenses.
  2. Other recurring expenses, such as auto insurance or yearly subscriptions.
  3. Savings goals and your progress in reaching them.
  4. Your debt payoff plan and progress.
28 Jul 2022

How do I make a budget diary? ›

How to Create a Budgeting Journal in 6 Easy Steps
  1. 1) Formatting your budgeting journal. ...
  2. 2) Know your income. ...
  3. 3) What are your fixed expenses. ...
  4. 4) Split up the money that is left, or set some aside. ...
  5. 5) Track your purchases. ...
  6. 6) Total your money spent and see how much money you saved!
23 Aug 2022

How do I make a budget notebook? ›

The Build-a-Budget Book
  1. Set Goals (Needs and Wishes) Decide what your family's biggest money needs are right now. ...
  2. List Income. Now look at how much money your family has to work with this month. ...
  3. Select Must-Spend Items. ...
  4. List Flexible Expenses. ...
  5. Check Plan. ...
  6. Keep Records.
8 Feb 2022

Are budget binders worth it? ›

The benefits of having a budget binder are numerous. A budget binder will help you stay on top of your finances, set financial goals, and track your progress. Having a budget binder is a great way to stay organized and motivated while working on getting your finances in order.

How does the cash envelope system work? ›

A cash envelope system is when you use cash and envelopes to organize your budget. So instead of creating charts and spreadsheets, you literally create your budget categories with a designated envelope for each budget category and then place the money allotted to each category into each envelope.

How do I create a budget binder for Dollar Tree? ›

Dollar Tree Planner DIY Binder Planner 2020 Glow Up | The Cover

What should be in a budget binder? ›

What should I keep in my budget binder?
  1. Monthly budget. This section is a must for any budget binder. ...
  2. Income tracker. Because you'll need to have a handle on how much you earn each month. ...
  3. Debt tracker. ...
  4. Savings tracker. ...
  5. Financial goals.
1 Sept 2022

What is the 50 20 30 budget rule? ›

Key Takeaways

The rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must-have or must-do. The remaining half should be split up between 20% savings and debt repayment and 30% to everything else that you might want.

How much should I be saving every month? ›

At least 20% of your income should go towards savings. Meanwhile, another 50% (maximum) should go toward necessities, while 30% goes toward discretionary items. This is called the 50/30/20 rule of thumb, and it provides a quick and easy way for you to budget your money.

How do I make a savings planner? ›

Creating a Savings plan can make it easier to save.
  1. Write down the goal you're saving toward.
  2. Figure out the total amount you need to save to reach that goal.
  3. Decide how many weeks you have to save.
  4. Divide the total amount by the number of weeks.

What is the 70 20 10 Rule money? ›

If you choose a 70 20 10 budget, you would allocate 70% of your monthly income to spending, 20% to saving, and 10% to giving. (Debt payoff may be included in or replace the “giving” category if that applies to you.) Let's break down how the 70-20-10 budget could work for your life.

How should a beginner budget? ›

Follow the steps below as you set up your own, personalized budget:
  1. Make a list of your values. Write down what matters to you and then put your values in order.
  2. Set your goals.
  3. Determine your income. ...
  4. Determine your expenses. ...
  5. Create your budget. ...
  6. Pay yourself first! ...
  7. Be careful with credit cards. ...
  8. Check back periodically.

What do you write on a budget envelope? ›

The concept is simple: Take a few envelopes, write a specific expense category on each one — like groceries, rent or student loans — and then put the money you plan to spend on those things into the envelopes. Traditionally, people have used the envelope system on a monthly basis, using actual cash and envelopes.

How do you use budget binders with envelopes? ›

How the Envelope Budgeting System Works
  1. Step 1: Add Up Monthly Income. Before you can begin using the envelope method to budget, you need to know your monthly income. ...
  2. Step 2: Set Budget Categories. ...
  3. Step 3: Assign Budget Amounts to Each Envelope. ...
  4. Step 4: Spend the Cash in Each Envelope.

How can I save $5000 in 3 months with 100 envelopes? ›

Essentially, you take 100 envelopes and number them from one to 100. Then, you place these envelopes into a box or container. Each day, for 100 days, you draw an envelope from the box and place the amount of money that's written on it inside the envelope. Then, you continue the process until each one is filled up.

How can I save money fast? ›

How to save money fast: 17 tips to grow your savings
  1. Learn to budget and understand your finances. ...
  2. Get out of debt. ...
  3. Create a designated savings account. ...
  4. Automate your savings. ...
  5. Automate your bills. ...
  6. Put a spending limit on your card. ...
  7. Use the envelope budgeting system. ...
  8. Cut back on rent.
12 Aug 2022

How do you make money saving envelopes? ›

When you get your first paycheck of the month, take out $250 from your bank account and put the cash in an envelope. On that envelope, write out Groceries. When you get your second paycheck, do the same thing again and put that $250 in the envelope. That's your $500 food budget for the month.

What is the 30 day rule? ›

With the 30 day savings rule, you defer all non-essential purchases and impulse buys for 30 days. Instead of spending your money on something you might not need, you're going to take 30 days to think about it. At the end of this 30 day period, if you still want to make that purchase, feel free to go for it.

Is saving 1000 a month good? ›

Yes, saving $1000 per month is good. Given an average 7% return per year, saving a thousand dollars per month for 20 years will end up being $500,000. However, with other strategies, you might reach 1.5 Million USD in 20 years by saving only $1000 per month.

What are the 3 types of budgets? ›

Answer: A balanced budget, a surplus budget, or a deficit budget are the three sorts of budgets.

How do I create a budget binder for Dollar Tree? ›

Dollar Tree Planner DIY Binder Planner 2020 Glow Up | The Cover

How do you use a budget binder on an envelope? ›

You begin with multiple envelopes, each of which represents a different budget category. You then assign a certain amount of cash to each one, based on how much you anticipate spending in that category for the month.

How do you start a cash envelope system? ›

When you get your first paycheck of the month, take out $250 from your bank account and put the cash in an envelope. On that envelope, write out Groceries. When you get your second paycheck, do the same thing again and put that $250 in the envelope. That's your $500 food budget for the month.

How do you start cashing stuffing? ›

Start small

She recommends people to start cash stuffing within their “four walls,” or where they live. “Just list four or five expenses that you can start with … maybe your mortgage, water and electric bill, food and gas for your car.

What should be in a budget binder? ›

What should I keep in my budget binder?
  1. Monthly budget. This section is a must for any budget binder. ...
  2. Income tracker. Because you'll need to have a handle on how much you earn each month. ...
  3. Debt tracker. ...
  4. Savings tracker. ...
  5. Financial goals.
1 Sept 2022

What's the 50 30 20 budget rule? ›

The basic rule of thumb is to divide your monthly after-tax income into three spending categories: 50% for needs, 30% for wants and 20% for savings or paying off debt. By regularly keeping your expenses balanced across these main spending areas, you can put your money to work more efficiently.

How do I make a budget without cash? ›

Here are four ways to transition to a cashless version.
  1. Use Gift Cards. Instead of stuffing your spending envelopes with cash, use gift cards. ...
  2. Use a Budgeting App Based On the Envelope System. ...
  3. Use Multiple Accounts for Different Types of Spending. ...
  4. Track Your Spending After Every Transaction.
26 Feb 2021

What is the 100 day saving challenge? ›

Essentially, you take 100 envelopes and number them from one to 100. Then, you place these envelopes into a box or container. Each day, for 100 days, you draw an envelope from the box and place the amount of money that's written on it inside the envelope. Then, you continue the process until each one is filled up.

What are the three priorities in your budget? ›

We recommend the 50/30/20 system, which splits your income across three major categories: 50% goes to necessities, 30% to wants and 20% to savings and debt repayment.

How do you make Peekaboo cash envelopes? ›

DIY peekaboo cash envelope tutorial, free Thanksgiving digital ... - YouTube

What is the 100 envelope challenge? ›

The 100 envelope challenge is a challenge designed to help you become a better saver. The saving money box includes 100 envelopes labeled 1-100. Every week you pick two envelopes and put the dollar amount in and then you put them in the green box. One year later you will have $5,050.

How can I live a cash only life? ›

6 Tips for Moving to a Cash-Only Lifestyle
  1. Use the "Envelope System" ...
  2. Don't Forget About Money Orders. ...
  3. Know Your Daily ATM Limit. ...
  4. Ask for Smaller Bills. ...
  5. Choose a Creative Stash in Your Home. ...
  6. Save Up Pocket Change for Your Bank.

Where should I put my cash now? ›

Here are a few of the best short-term investments to consider that still offer you some return.
  • High-yield savings accounts. ...
  • Short-term corporate bond funds. ...
  • Money market accounts. ...
  • Cash management accounts. ...
  • Short-term U.S. government bond funds. ...
  • No-penalty certificates of deposit. ...
  • Treasurys. ...
  • Money market mutual funds.

What cash envelopes should I have? ›

What are the categories for the cash envelope system?
  • Restaurants. Restaurant spending includes money spent on carry-out, drive-thrus, and dining inside restaurants. ...
  • Groceries. Your grocery budget should cover the food you buy to prepare at home. ...
  • Medical. ...
  • Insurance. ...
  • Car payment. ...
  • Gas. ...
  • Car maintenance. ...
  • Utilities.
24 Jul 2022

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