You will add up all the “additions” you plan to make to each fund. Let’s all start planning ahead for large expenses! Remember, if we know it’s coming then it’s not an emergency. This will almost completely eliminate those months when you are stressing out over all the “extras” that somehow popped into your budget. Sinking funds are one of the best things you can do for your budget. This list is going to be very different for every family. Just a few examples of sinking funds include: This is where you will budget in everything you need to save for throughout the year. The next form is your SINKING FUNDS spreadsheet. This is a zero-based budget so every dollar in your budget has a specific name and job! If not, you will need to go back and make adjustments. Then subtract your total expenses from your total income. We will get there shortly!įinally add up your total expenses on the bottom left. Those are “CASH ENVELOPES” and “SINKING FUNDS.” You will grab these numbers from other forms. You will notice there are two categories already labeled for each section. This will help you have a rough visual of what’s due and when! It’s also helpful if you get paid bi-weekly or weekly as you can allocate your paychecks to different bills. Separate your bills into the first and second half of the month. This is what you will have leftover to budget for everything else! Total up this number and subtract it from your total income. This includes savings, retirement, college planning, and charitable giving or tithing. Then take the important stuff off the top before your money starts getting allocated to other places. All of your numbers will end up on this form! Start by plugging in your expected income. This is the bread and butter of your budget. Next you will find your monthly budget overview spread. You can use this monthly overview to keep track of due dates throughout the month, set monthly financial goals, and do any other monthly budget planning! You will also find monthly budgeting forms for January-December in 2019! Everything you could possibly need is included. There is space for monthly financial planning and bill pay checklists so you will never pay those annoying late fees again! Use your 2019 Budget Binder to set both short-term and long-term financial goals. ![]() The sheer size of this kit can seem overwhelming! But don’t worry, I’ve included an entire section on how to setup and print your binder kit at the very beginning! This year’s budget binder contains 142 printables to help you finally take control of your finances once and for all. The 2019 Budget Binder kit is the perfect first step to get you there. That’s amazing! I’m so happy for you to take this step. It means you want to simplify your finances and finally get on a written budget. ![]() ![]() Whether you’re a long-time reader or you just clicked over here from Pinterest, I’m so glad you’re here. Based off of Dave Ramsey’s financial principles, you will finally get your finances in order, learn to live on a cash budget, pay off debt, save for emergencies, and give like no one else! I took all of your suggestions and recommendations into consideration from last year’s 2018 Budget Binder. This will include groceries and any other activities that you might want to partake in throughout the week.Īll you have to do is fill in the appropriate amounts into the right columns and you will be able to keep track of everything in your financial realm.The wait is over! The 2019 Budget Binder is here!! After many early mornings and late nights spent on my computer, I’m finally finished. The last category will be food and entertainment. The third category will be listed as home, and this will include sub-categories of utility bills, telephone bills, cable bills, and whatever other bills you have. This will ultimately be the total amount of money you have to spend for the next two weeks. To start off, a Bi-Weekly Budget Template will be broken down into 4 separate categories. ![]() With these templates you will know exactly how much money you have to spend on groceries, bills, and how much money you have to stash away for a rainy day. This means going a whole two weeks without spending more money than you make. That purpose is to help you keep everything within your budget. These Templates were created for one purpose and one purpose only. You can easily get all you financial obligations in order with the help of Bi-Weekly Budget Templates. This is especially true if you plan on or current run a small business. You need to make sure that you keep all you finances in order. Well, you should know that this could lead to major finical hazards in the future. Are you the kind of person that isn’t very organized? Probably don’t balance your checkbook correctly.
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