How To Use A Budget Binder To Save A Ton Of Money

by | Mar 11, 2017 | Budgeting

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Do you find budgeting stressful, time-consuming, and just plain old no fun?

Me too.

That is until I started using a budget binder to organize my finances!

The one’s I had been using, though, just weren’t getting the job done — so I created my own, in conjunction with my budget automation system.

This system changed the way I budget my families income and expenses and has made my life 100x less stressful.

{Related – How to Fool-Proof Your Budget With The 3-Step Budget System!}

This system is fool-proof, so you basically never have to think about your budget…and whats better than that?

The budget automation system does come with some necessary printables, though, and that is where the budget boss binder comes in to organize all your financial planning!

Are you sick of living paycheck to paycheck? Learn how to budget your money evenj when times are tight with our free budget boss binder! Get yours today!

Do you need some help organizing all your budgeting information?

The budget boss binder makes it so easy to organize all of your budget bossing necessities!

Even though you don’t necessarily have to track your finances once you’ve implemented the 3-step budget system (Haven’t done so yet? Learn how here!), I still think it is a good idea — and even if you use a different budget system, I bet you wanna track your finances, too, right?

That way, you’ll always be able to quickly see how much money should be in your accounts and be able to recognize any funny business in your accounts.

I like to keep my financial planning separate from my regular, day-to-day planner, hence the budget binder 😉  That way my brain doesn’t have to try to think about my budget planning, my life planning, and my blog planning all at once!

I’ll walk you through exactly how my budget boss binder is set up so you can effectively begin taking control of your finances, too!

Continue on for an afternoon of stress-free budgeting!


To get started, you’ll need some supplies to set up your budget binder!

  1. A binder
  2. Monthly tabbed dividers (with pockets for bills and looseleaf paper)
  3. Budget Printables
  4. Three whole punch



Once you have all of your supplies, it’s time to set up the first part of your budget binder – your actual budget system.

Before you insert your monthly tabbed dividers, you’ll want to insert the printables that you use to organize your actual budget so the first thing you see when you open your binder is an overview of your budget.

If you’re in need of a new budgeting system, try automating your finances with our super simple 3-step budget system.

Our 3-step budget system is a way for you to automate your finances so you don’t have to think about paying the bills…ever.  Once you have implemented this system, you will always have enough money in your fixed expenses account to cover your bills (aka fixed expenses).  

Better yet, this system will not only help you to pay your bills on time and without stress, but it will also make it easier to save for the big, or little, things you may want or need.

Try it out, now!

If you have a budget system that you love and enjoy, simply replace your printables with ours in this section of your budget binder 🙂

Having a place in your budget binder to store your financial planning is great to keep yourself accountable and on track with your budget.  It’s easier to follow your budget when you’re able to visually see it each month.

SO, Budget Binder Setup Thus Far 😉

1 – Binder Cover

2 – Income & Expense Printable, three-hole-punched or in sleeve protector OR your budget system printables

3 – Bank Account Printable, three-hole-punched or in sleeve protector OR your budget system printables



Next in the binder will be our exclusive budget boss binder printables, used to track your budget from month to month and create and accomplish your savings goals!

Here is where you’ll want to start inserting your tabbed binder dividers for each month, inserting one of each of the following printables for each month.  You could also use labeled sticky note tabs on your calendar printable to accomplish a similar effect.

If you have more monthly printables that you love to use, insert them here!


The first printable I like to insert behind my monthly dividers is the monthly budget calendar printable.

This printable is great to get an overview of bill payment due dates and any surprise expenses for each month.

And, bonus! This printable is un-dated so you can easily use it for any month and year by just filling in the number slots yourself.

You can also use this printable to record your starting balance for your fixed expenses account along with expenses for the month to get a final balance at the end of the month.

That way, you always know that your account does indeed have the right amount of money for your bill payments.

This also makes it super easy to quickly recognize suspicious activity on your account.

Ah, doesn’t it feel good to see your budget system working so well?


Next in your budget binder is my fav printable for budgeting!

Even though we’ve set up our finances to automate themselves with the 3-step budget system, I still really like to track my expenses and the balances in my accounts.

And if you have your own budget system that you use, I bet you need a way to track your income and expenses each month, eh?

Start by recording the starting balance in your fixed expenses account at the start of the month.

Then, in the ‘adjustment’ section, simply right the name of the expense, such as, “Rent.”

Next, in the ‘date’ section, well, you got it 😉

In the ‘amount’ section, record the monetary amount of your expense.

And finally, record your new balance in the ‘balance’ section — where you’ll always be able to refer to for the exact amount of money in your account at any given date!


Having this printable in your budget binder will make tracking your expenses each month super simple and will also make it easier to catch accounting mistakes or suspicious charges!

The best thing about this printable is that you can use it for all of your accounts if you want to.

Want to track your spending on variable expenses, such as shopping and take-out?  Do so with multiple labeled copies of this printable in your binder!  


Next in your binder (in each monthly section) is our savings goals and tracking printable!

We all have something we’re trying to save for, right?

Maybe a house, a car, or a vacation?

This printable, along with our 3-step budget system, will help you easily save for the things you want!

Simply set your goal and then automate a fixed amount to go into your savings account each week – even if you can only afford $50 per paycheck.

This way, your spare money will easily accumulate without effort in an account you cannot (or shouldn’t) touch instead of floating around in the same account with all your other money.

Each month, check off the box after you’ve accomplished your savings goals 🙂


After my monthly tabbed sections, I like to store miscellaneous financial information in my budget binder.

This is where I insert bank account information, credit card information, and bills I like to keep on file.

I simply stick all similar documents in a sheet protector and then stick a labeled sticky tab onto the sheet protector to easily navigate the information.

You could also use folders for this.

And there you have it!  Your completed budget boss binder!

What are your favorite budgeting printables?  Link to them in the comments so we can make our budget binder even better 🙂

Talk soon, 



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