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Home » Money Management » Budgeting

The Ultimate 2023 Budget Binder That Will Change Your Life

Brittany Kline | Updated December 12, 2022 Budgeting

Have you been looking through binder and notebooks, struggling to find the budgeting tool for you? It's hard to find a good fit that makes budgeting easy! We've spent so long developing our Savvy Budget Binder, the best binder for your family!
The Budgeting Binder
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The Budgeting Binder

We can’t believe it but, The Budget Binder is here! You now have an easy way to handle your money and have more information on your finances in one place!

have you ever struggled with keeping track of your credit card statements, bills, income, and other financial documents? Well, we were once in your shoes!

We started budgeting to spend less and save toward long-term financial goals, and developed our own great printables that we couldn’t hide from the world.

Over the last several months we have been hard at work expanding our lists and plans and forming a complete, useful, and valuable budget binder to rock the market. 

This budget planner was created with the tools, tips, and financial organization we used to pay off $25,000 in student loans in just 5 months! 

If you have been struggling with money living paycheck to paycheck and are sick and tired of it The Budget Binder is for YOU. 

Table of Contents

  • What is a Budget Binder? 
  • Benefits of Using a Budget Binder
  • What Supplies Do I Need Other Than Buying The Budget Binder?
  • What is Included in The Budget Binder?
  • Free Printables- Monthly Budget Worksheets
  • How Do You Use The Budget Binder?
    • 1. Budget Binder Cover Page
    • 2. Monthly Goal Tracker
    • 3. Simple Budget Tracker
    • 4. Monthly Expense Planner
    • 5. Paycheck Budgeting
    • 6. Bills Payments Calendar
    • 7. Bills Payment Checklist
    • 8. Bill Payments Tracker
    • 9. Daily Expense Tracker
    • 10. Medical Expenses
    • 11. Side Hustle Tracker
    • 12. Credit Card Info
    • 13. Debt Payments Tracker
    • 14. Bank Account Info
    • 15. Savings Tracker
    • 16. Emergency Fund
    • 17. Sinking Funds
    • 18. Retirement Tracker
    • 19. Donation Tracker
    • 20. Holiday Tracker
  • Is The Budget Binder In Digital Format? 
  • Where Can I Get A Copy Of The Budget Binder?

What is a Budget Binder? 

A budget binder is an incredible tool created to make budget your money as simple as possible. If you haven’t used a budget binder before, now is the perfect time to try!

Most of the time, budget sheets are provided with some guides and instructions, but lots of blank space so you can fill in what you need.

Budget binder printables can include ways to save, create financial goals, track debt repayments, and much more!

Our take is a special printable and digital binder that you can mix and match pages to make the perfect binder that works for you.

Head here to check out our Easy to Use Budgeting Binder now. 

Benefits of Using a Budget Binder

Budget binder printables are a great way to organize your finances and get control of your life, especially with how you make money and pay bills!

A budget binder will have sheets to help you keep finances organized, like tracking your personal loans, student loans, medical bills, earnings, and spending habits, while at the same time making your life easier by keeping it all in one place.

Our budgeting binder will help you set goals, track your income, track your expenses, and help you pay off debt! Everything you need to manage your money better!

Learning how to budget is the most important step on your journey to financial freedom, and having an efficient budget binder makes it happen sooner.

Knowing what money you have coming in and going out is a great idea if you want to save money and spend less, and keep from falling into large debts down the road.

What Supplies Do I Need Other Than Buying The Budget Binder?

You don’t need much for the budget binder to do its job, just a simple 1-inch binder from Amazon will do the trick.

It never hurts to have some colorful markers and pens either!

Supplies:

  • 1 Inch Binder
  • Colorful Markers
  • Pens

The best part of having a printable budget binder (besides saving money!) is the customizability- you don’t get much of that from workbooks you buy in the store! You can choose a smaller binder, or even a folder if that’s what you prefer!

What is Included in The Budget Binder?

A smiling family saves money with a piggy bank. Happy family at the table in the room with a great money mindset.

All of the following pages are included in the budget binder, along with lifetime updates to anything we make changes to or add in the future. 

  1. Cover Page- so you know it’s The Budget Binder!
  2. Monthly Goal Tracker
  3. Simple Budget Tracker
  4. Monthly Expense Planner
  5. Paycheck Budgeting
  6. Bills Payments Calendar
  7. Bills Payment Checklist
  8. Bill Payments Tracker
  9. Daily Expense Tracker
  10. Medical Expenses
  11. Side Hustle Tracker
  12. Credit Card Info
  13. Debt Payments Tracker
  14. Bank Account Info
  15. Savings Tracker
  16. Emergency Fund
  17. Sinking Funds
  18. Retirement Tracker
  19. Donation Tracker
  20. Holiday Tracker

Free Printables- Monthly Budget Worksheets

Simple Budget Template

If you want to give our monthly budget template a try, feel to head over to our shop now and get started with a free download. It is a single page from our budgeting binder to give you an idea of exactly what you will get.

But we highly recommend you purchase the entire budgeting binder to give yourself all the tools you need to start budgeting your money correctly and reach your financial goals. 

How Do You Use The Budget Binder?

woman thinking while chewing on a pen

Once you purchase the Savvy Budget Binder, you will get instructions on how to download the budget binder printables. 

After you download you can turn to page two and read the entire set of instructions on how to use The Budget Binder. 

Simply go through all of the pages included in the binder and write down the pages you want to use. You may find some are more helpful than others, but we recommend giving them each a try first!

We purposely created it so each and every page is valuable and meets a need in organizing your finances. 

If you happen to find a page that does not work for your situation just remove it from your binder.

Once you’re set on what you need, head over to your printer and print out the pages you feel will help the most when budgeting your money. 

Here they are for reference and to understand exactly what you will be getting. 

1. Budget Binder Cover Page

Print the cover page and place it in the front pocket of your binder.

2. Monthly Goal Tracker

A simple, easy-to-use place to track your financial goals. Goals could be paying off debt, funding your emergency fund, and investing for retirement.

3. Simple Budget Tracker

Record your income on the right side of the page. Write down your monthly expenses to the best of your knowledge. Compare budgeted expenses vs. actual. Make the remaining balance calculation at the end of each month.

4. Monthly Expense Planner

A place to track all of your monthly expenses in one simple easy-to-see view.

These include bills to pay each month, like health insurance, credit card statements, utilities, and more.

5. Paycheck Budgeting

Another way to budget monthly!

Fill out expected income and expenses for each paycheck period. Your expected expenses should be what you plan on paying for with each paycheck. Finish by calculating the difference for each line.

6. Bills Payments Calendar

A blank monthly calendar to write down due dates so you pay bills on time from now on!

7. Bills Payment Checklist

If a monthly calendar view is not your style, this is a simple checklist to write down when your bills are due.

8. Bill Payments Tracker

A combination of both the bill payment calendar and bill payment checklist. Stay on top of your bills for the entire year.

9. Daily Expense Tracker

Record the date of your purchase on the dateline. Record what the expense was and what type of category it would fall under. What method of payment did you use?

Cash, credit, or debit card and record the total amount spent in the last box.

10. Medical Expenses

Record the date you got the bill in the first box. Where did you get billed from and what type of service took place? Then place how much the bill is due in the next box.

Will the insurance be covering any of it and how much? After insurance, record how much you will need to pay out of pocket and then what the total balance is due.

11. Side Hustle Tracker

As you work on your side hustle each week, record the number of hours you spent working and how much you earned per hour to get your total income.

12. Credit Card Info

Record your credit card information so it’s easy to find. You MUST keep this in a very safe place.

13. Debt Payments Tracker

Record the type of debt you are looking to track. Place how much your monthly payment is and how much the interest rate is on that particular debt.

14. Bank Account Info

Record your bank account information. You MUST keep this in a very safe place.

15. Savings Tracker

Print multiple pages if you have more than one savings account. Use this to record your monthly savings for each account.

16. Emergency Fund

Record your weekly deposits into your emergency fund. Record the running total in the last column. Use the progress tracker to shade in your progress. Record any notes in the box.

17. Sinking Funds

Are you looking to put money away for a big-ticket item? Under “GOAL” put the item you are looking to save money for.

For example, a cruise you want to take. In the next column put the total of how much the cruise is going to cost you. Put the date of when the cruise is in the “DUE DATE” category. In the last column, record how much money you need to save to reach your goal.

Simply take the total amount you need to save and divide it by how many months until you need to reach the goal. This will give you the exact number you need to save each month.

18. Retirement Tracker

Whether it is your 401(K) or your IRA, you can use this tracker as a running total as you grow your retirement account. Place the type of account in the description and the total amount from your current paycheck. Keep a running total of the new amount you have in your retirement account. 

19. Donation Tracker

Use to track your donations throughout the year. A good reminder to spread God’s blessing to others.

20. Holiday Tracker

Record the holiday in the upper right-hand corner. Plan out what you need for the holiday occasion and budget out how much you think you are going to spend. Then, go back and record the actual amount you spent under each category.

Is The Budget Binder In Digital Format? 

Of course! Whatever options make your life easier, we give you the option for both!

Some people like to print the binder out and use pen and paper while others like to keep it digital and fill it out on their computer. 

Using a computer to log your income and expense is another easy way to budget, and a quick way to get started with budgeting. It’s all about your preference, and comfort.

But, if you think you may forget to track your money, then a physical budget binder may keep you on the straight and narrow!

Where Can I Get A Copy Of The Budget Binder?

Side Hustles For Women young african american woman pointing at camera with a satisfied, confident, friendly smile, choosing you with euro banknotes

Are you ready to get your finances organized and be done with money troubles?

Get started over at The Savvy Couple Shop and add the Budget Binder to your cart!

You will get instructions on how to download it and you will be well on your way to budgeting success and financial freedom!

Now is your chance to get your life under control in an easy way, one dollar at a time.

You have all the tools you need to make financial goals and obtain all that you want in life!

Grab yourself a copy of The Budget Binder today! 

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About Brittany Kline

Hi, I'm Brittany Kline! A money-saving frugal mom, budgeting fanatic, and personal finance expert. With my master's degree in education and life experience, I help families save money, make money online, and reach financial freedom. I have been featured in online publications like Forbes, TIME, USA Today, Huffington Post, Business Insider, Marie Claire, The Penny Hoarder, Bankrate, Nerd Wallet, CNBC, Acorns, Yahoo Finance, MSN, GoBankingRates, Her Money, Thrive Global, The Simple Dollar, Money Crashers, Readers Digest, FinCon, Best Company, Rent Cafe, Romper, Intuit Turbo, Opp Loans, CreditCards.com, Debt.com, Discover, LifeLock, Quick Sprout, Money Geek and many more! Click here to read all of my posts.

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