How to Create a Budgeting Notebook (with Printable) + Thrive @ Home Link-Up

January is always a time of reflection and organization for me. One of the first things I like to do at the beginning of the year is to organize our family finances and set up a budget for the new year.  One of te most important tools for this job is my Budgeting Notebook.

I’m sure you are familiar with creating a Home Management Binder. I use a similar concept, but create separate smaller notebooks instead keeping one big binder with everything in it. That’s what works best for me…

budgeting notebook

I would be lost without my Budgeting Notebook! It helps me stay on track with our financial goals, pay bills on time, and determine how we are spending our money.

To make a finance notebook, I use a slim 3-ring binder that has pockets. I also get a few dividers and page protectors to organize the printables I use.

What I Have in My Budgeting Notebook

Calculator – Unless you’re a math wiz (which I’m not!), a calculator is a necessity for proper budgeting. Mine has holes in it to put in a 3-ring binder, which is perfect for a budgeting notebook.

Envelopes – We don’t get reminders for our rent, so at the beginning of the year I address 12 envelopes to our landlord and write a month in the corner where the stamp will go. I put them in chronological order and store them in the front sleeve of my binder. This way I don’t forget to pay rent and can quickly determine what month I paid for last.

Calendar – I like to have the entire year on one sheet, so I can highlight Matt’s paydays to keep track of when we will have money coming in. Also, it’s nice to have an idea of what holidays and celebrations are coming up for planning ahead for purchases. I am currently using a year-at-a-glance calender from Confessions of a Homeschooler‘s free blog notebook printables.

Bill Checklist – This is a list of bills we owe every month, when they are due, and space for a check mark each month. This allows me to see very quickly which bills have been paid. I use a printable I downloaded over at iHeart Organizing.

Individual Accounts Page – While we keep all of our spending money in one bank account, I divide it out into separate “accounts” on paper. This keeps us from spending too much money in certain areas and allows us to set aside finances for future purchases (i.e. Christmas, taxes, etc). I use a free download from Crown Financial Ministries for this.

Monthly Budgeting Worksheets – We follow a zero-based budget by giving every penny a name and making sure that we don’t spend more than we make. I created a worksheet that has my account categories to help me determine how to allocate our money each month. It also allows me to see where I may need to adjust my budget. Want one for yourself? Get it below!

budgeting printable photo{Click to Download}

So, that’s how I created my budgeting notebook! If you don’t have one, I highly recommend putting one together–especially if you are trying to save money. I think you will be glad you did!


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The Thrive @ Home blog hop, hosted by myself and Audra Michelle,
is a place for women in all seasons of life to encourage one another
to thrive – not just survive – in their roles at home.

Review the guidelines, grab the button, and link up!

We would love it if you would tweet about it using the #ThriveAtHome hash tag to connect with other Thrivers and spread the love.

The blog hop is open Thursday through Saturday every week.

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This post contains affiliate links and is gratefully shared with some of these link-ups.


    • says

      Last year was a bad year for budgeting… We were living off savings part of the year. Getting back on track this year. I find that blogging about stuff helps motivate me. haha

  1. says

    I love printables and yours is not only practical and useful, it looks lovely too! We are just going through our finances so this is good timing.
    I will come back on Thursday to join in with your link-up.
    Alison Bayne recently posted..Stove-top StockMy Profile

  2. Brittany says

    Hi, I am planning on posting a blog soon about how I work out my monthly budget. I dont use everything from this “how to” but I do use your Monthly Budget Worksheet. Would you mind if I posted a link in my blog to send them here to get that printable? I would of course give you credit and maybe send you a few new followers but I just dont want to step on any toes!
    Thank you,

  3. Alicia says

    Thinking of trying out your financial notebook…I couldn’t seem to find the “bills checklist” you mentioned. I followed the link and checked out her printables…did she take it down or am I just missing it?
    Thanks for the post, I’m hoping this plan will help me out. :)

    • says

      I’m sorry, I think she took the free version down… I believe she has it available in her Etsy shop though. Glad you found the post helpful, Alicia. Thank you for your comment!

  4. says

    I stumbled across this blog post the end of November – absolutely perfect time because my husband and I had been discussing trying a zero-based budget. Your post & printable were just the extra push we needed. It’s been an interesting month but we are loving this whole budgeting thing :) I am planning on writing a blog post in January – would you mind if I provided a link to this blog post since we use a modified version of the Budget Worksheet? I just want to make sure that you are okay with that :) Thanks so much for sharing!

  5. Renee says

    I am wondering if it is possible to get the editable version of this. This is almost exactly what I’m looking for, I just need to make a few tweaks to fit my lifestyle.


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