25 Money Related New Years Resolutions To Afford Your Best Year Ever!

25 Money Related New Years Resolutions To Afford Your Best Year Ever!

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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25 Money Related New Years Resolutions To Afford Your Best Year Ever!

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Ah, 2020. She snuck up fast, didn’t she? I know you want to afford the best year of your life (cuz why wouldn’t you), and I’ve got a secret:
These are the five best budgeting methods.  I bet you're ready to afford your dream life. I know I was! That is when I transformed my finances, starting with my budget. These are the 5 best budgeting methods to help you afford your dream life. If you want to stop living paycheck to paycheck, pay down debt, or save more money, one of these budgeting methods will help you. Being responsible with your money means creating a plan. These budgeting methods are the best to do that. Click to discover which budget method works best for you.
Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.
You’re gonna need to make some money changes in 2020! Because here’s the dealio: To afford an epic 2020 (I’m talking bills paid, debt gone, savings up, vacations booked), you need to make some money New Years resolutions! These are the best money new years resolutions to get started with next year:

1.  Start Budgeting

Having a budget will relieve tons of money stress that you don’t need weighing you down next year. To get started with budgeting, read this post and choose a budgeting method that works best for you. Once your budget is set up, don’t forget to track it throughout the month to make sure you’re sticking to it!

2.  Save money on expenses

If you take a gooood look at your budget, I’m willing to bet that we’d agree on this: You’re wasting money each month! Next year, vow to stop throwing your hard-earned cash out the window by saving money on your expenses. These are my top 3 ways to save money on your expenses:

1.  Connect your bank accounts to Trim who will analyze your spending and negotiate lower prices for your bills. (I saved $150/month after signing up for Trim!)

2.  Switch to Mint Mobile to decrease your cell phone bill by $100+!  (Don’t worry, you can keep your current phone.)

3.  Use $5 Meal Plans to save tons of money on food.

Related Reading: 14 Ways To Save Mad Cash Every Month, Trim Review: Scam Or Legit?

3.  BECOME DEBT FREE

Debt is a total money sucker.  And, an unnecessary expense. And, while debt can seem like a never-ending hole you’ll be trying to dig yourself out of forever, you’ve got to start somewhere. Next year, use the debt avalanche method or personal loan consolidation to work towards becoming debt-free!

4.  Build an emergency fund

Start building an emergency fund next year to prepare for unexpected expenses, job loss, and more. This emergency fund challenge is a great place to start for this money New Years resolutions!

5.  STOP USING CREDIT CARDS

Credit card debt can wreak havoc on your finances if you aren’t smart about paying back your balance. And, unfortunately, most of us are using credit cards as replacement income and cannot afford to pay much more than our minimum payments. This means one thing: You’re spending wasting a crap ton of money on interest costs (and will for yearssss!) So, next year, STOP USING CREDIT CARDS for good. (Got credit card debt?  Use this guide to save money while paying it off.)

6.  SAVE FOR A HOUSE

Make a money New Years resolutions to challenge yourself to save for your dream home this year! We’ll be doing it with you 🙂

7.  BECOME MORE FINANCIALLY RESPONSIBLE

Do you know exactly how much money you make each month?  How about how much money you spend each month? If not, you could benefit from becoming more financially responsible next year. Because, here’s the real deal: If you don’t know how much money you’re making or spending, you aren’t making wise financial choices. So, to afford your best year ever next year, organize your finances with our Budget Boss Binder and set yourself up for financial success!
SPECIAL OFFER!
SAVE $18 RIGHT NOW
When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

8.  START INVESTING YOUR MONEY

To start investing your money, you can:

1.  Use an investment app like Acorns to make investing super simple

2.  Invest in an income property that you can rent out or list on Airbnb

3.  Read this guide on how to start investing in the stock market

9.  CULTIVATE A POSITIVE MONEY MINDSET

Being rich (and affording your best life) all starts with your mindset. This is crazy, but: Your thoughts about money (i.e., “I don’t deserve to be rich,” “I am poor.”) will dictate whether or not you achieve your financial goals. It really is true:  If you think you are poor, then you will remain poor. So, next year, make certain that you crush your money goals by focusing on a positive money mindset! You can get started by reading this post and saying these money affirmations.

10.  START SAVING FOR RETIREMENT

Start saving for retirement with a Roth IRA.

11.  BE MORE FRUGAL

Here’s the deal: You can live frugally and still enjoy your life (and money). Better yet: You need to live frugally to afford your best life. Look at it this way:  If you embrace a frugal lifestyle and save money on things like food and clothes, you’ll free up tonssss of money for things like vacations and experiences. To live more frugally in 2020, read this ultimate guide to frugal living!
Read Next…
Who knew saving tons of money could be so simple? Furthermore, who knew you were missing tons of opportunities to save money while buying the things you already do?

12.  DONATE MORE MONEY

Remember how I mentioned that your thoughts about money determine your reality with money? Well, the same goes for your actions with money. You see:  When you give your money away to charities you’re passionate about, people in need, or communities in despair, you’re showing the universe that you’re living a life of abundance, gratitude, and love. And in turn, you’ll receive more abundance, gratitude, and love. So, donate more money (or time) next year <3

13.  ORGANIZE YOUR FINANCES

Organize your finances like a boss in 2020 by using our 40+ page Budget Boss Binder!

14.  EARN CASH BACK FOR YOUR PURCHASES

Stop leaving free money on the table next year by earning cash back for your everyday purchases. The best way to earn the most cash back is by doing this:

1.  Use Rakuten (Ebates) when shopping online to earn instant cash back on your purchases (You can also score cash back on in-store purchases by connecting your debit/credit card to your Rakuten account.)

2.  Download the Ibotta app and upload pictures of your receipts to earn easy cash back.

3.  Connect your debit or credit card to the Dosh app to earn instant cash back on eligible purchases (without doing any work!)

Doing these 3 things puts $100 (or more) back in my wallet every single month!

15.  STOP FIGHTING WITH BAE ABOUT MONEY

Ugh.  Fighting about money is so overrated! Don’t let something silly like money ruin yours and bae’s relationship. Instead, either work together to set up a budget or split your financial responsibility 50/50 to avoid future fights about whether or not you can afford that late-night Taco Bell run.

16.  FIND WAYS TO TRAVEL MORE ON A BUDGET

Do you wish you could travel more but don’t know how you could ever afford to? Next year, do these 3 things to make traveling a priority in your life:

1.  Add a travel category to your budget where you put aside money specifically for traveling

2.  Use discount travel websites, Airbnb, and Groupon to save money on flights, hotels, and activities

3.  Create a travel saving plan to afford your ultimate dream vacation

Ahhhh, see ya in paradise cool

17.  TEACH YOUR KIDS ABOUT MONEY

It is never too early to start teaching your kids the value of a dollar. (Honestly, I wish somebody had taken the time to teach me before I got my first apartment!) Knowing how to budget and manage your spending is an essential part of life, so do your kids a favor and set them up for financial success at a young age. This post will give you tons of ideas and activities!

18.  MAKE MORE MONEY

Making more money is always on my to-do list.  And that remains true as we head towards 2020. Use these ideas to increase your income next year:

1.  Start a blog (make as much as $10k/month!)

2.  Manage a few side hustles

3.  Ask for a raise

4.  Switch careers

5.  Invest in an income property

6.  Rent out spare bedrooms on Airbnb

7.  Take surveys in your spare time

8.  Get paid to watch TV

9.  Purge your home and sell your stuff

10.  Postmate on the weekends (use code FL-XP1V7 at signup!)

Ballin’!

19.  SWITCH TO A BETTER BANK

Paying fees to your bank is sooo last year. Next year, don’t be caught paying outrageous fees because you overdrafted your account by $2.37. How, do you ask? By switching to Chime Bank, of course! But for real:  Chime won’t hit you with a fee when your account is overdrawn, there are no minimum account balances, and you will get your paychecks two days early when you bank with them. Oh…and just when you thought it couldn’t get better, it does. When you sign up for a Chime bank account, they’ll deposit $50 into your account! money-mouth You can read more about why I love Chime in this post.

20.  REFINANCE YOUR STUDENT LOANS

Got student loans? Get rid of them next year by refinancing them with Credible to lower your interest rate and reduce your monthly payments.

21.  DECREASE YOUR PERSONAL SPENDING

Do you know how much money you spend on fast food each month?  Trips to Target?  Coffee runs? Get in the habit of tracking your personal spending next year.  (You’ll be shocked at how much money you’re spending!) Then, you can redirect that money into a savings account for your next vacation! (Our Budget Boss Binder includes spending trackers!)

22.  AUTOMATE YOUR BUDGET

Automating my budget was the best. thing. I. ever. did…(sorry kids!) I [almost] never have to think about budgeting anymore since setting up an automated budget! You can learn how to automate your budget by reading this post.

23.  TRY A NO-SPEND CHALLENGE

Do you think you could do a no-spend challenge for the whole entire year? Hey, tell me I can’t and I’ll show you I can!

24.  INCREASE YOUR CREDIT SCORE

This is one of my favorite money new years resolutions: Join the 800 club by working hard to increase your credit score next year. You can do this by paying down debt, paying your bills on time, diversifying your loan history, and more!

25.  DON’T LET MONEY DICTATE YOUR HAPPINESS

Because we need money for what feels like everything, it can be difficult not to correlate it with happiness. But, at the end of the day, we must all realize that money is not the most important thing in life and having a lot of it doesn’t automatically mean we’ll be happy. So, in 2020, set money new years resolutions to continue improving your money mindset so you can be happy with what you have and open to receiving more abundance!
There you have it!   The 25 best money New Years resolutions to afford your best life in 2020!
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stay cool,
– michelle
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2020 Budget Boss Binder (40+ Pages)
$9  $27
Budget By Paycheck Calendar Template (2 Pages)
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Zero Based Budget Monthly Template (2 Pages)
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How To Create A Christmas Budget So You Don’t Go Broke This Holiday Season

How To Create A Christmas Budget So You Don’t Go Broke This Holiday Season

2019

CHRISTMAS

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2019

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How To Create A Christmas Budget So You Don’t Go Broke This Holiday Season

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The holidays are quickly approaching and I know it has you feeling stressed!

Between friends, family, coworkers, and more, the pressure to spend tons of money each holiday season is ever rising.

Here’s the deal, though:

These are the five best budgeting methods.  I bet you're ready to afford your dream life. I know I was! That is when I transformed my finances, starting with my budget. These are the 5 best budgeting methods to help you afford your dream life. If you want to stop living paycheck to paycheck, pay down debt, or save more money, one of these budgeting methods will help you. Being responsible with your money means creating a plan. These budgeting methods are the best to do that. Click to discover which budget method works best for you.

Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

You can have an epic, stress-free, and affordable Christmas when you use these 5 tips to prepare your budget for the holidays now!

You’re gonna wanna:

  1. Evaluate your current budget
  2. Create A Savings Plan
  3. Be Frugal
  4. Start Early
  5. Collect Cash Back NOW

Let’s dive in!

1.  Evaluate Your current budget

When’s the last time you budgeted your money?

Can’t remember?

To prepare your finances for the extra expenses that come around the holidays, get your budget on point NOW.

Download the Budget Boss Binder to quickly organize your finances and create a budget that will help you save money.

When you do this, you’ll be able to easily afford everybody on your Christmas shopping list!

2.  Create a savings plan

Use a savings tracking printable, like the one below, to create a holiday savings plan.

Commit just $25 a week for a few weeks and you’ll have plenty of cash on hand for your holiday shopping.

SPECIAL OFFER!

SAVE $18 RIGHT NOW

When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

3.  Be Frugal

Living frugally is beneficial all year round, but especially during the holidays.

Check out these 101 Ways to Be Frugal Without Trying.

4.  Start early

When you start preparing for the holidays now, you won’t feel stressed later!

Take the time today to organize your finances  and a savings plan in place so you’re prepared come last-minute holiday shopping.

You can also organize your gift list, to-do list, party ideas, and more with our 2019 Christmas Planner!

5.  start collecting cash back now

Start earning cash back now that you can use for Christmas gifts, later.

These are the best apps for earning cash back without even trying:

  1. Rakuten (Ebates) ($10 Sign-Up Bonus!)
  2. Ibotta ($10 Sign-Up Bonus)
  3. Dosh ($5 Sign-Up Bonus)

With the cash bonuses from these apps, you can cross another person off your shopping list for free!

6.  cut costs & put more money in your pockets

When you decrease your monthly expenses, you’ll end up putting more cash in your pockets each month.

So, take the time now to cut costs so you have more flexibility in spending for the holidays.

These are the best ways to decrease your monthly expenses to:

 

If you do just one thing on this list to prepare your finances for the holidays, let it be to decrease your current monthly expenses.

Not only with this help you tremendously in affording a kickass Christmas, but it will also benefit you all year long.

When you use these six tips to prep your Christmas budget now, you’ll be super prepared come the holiday shopping season!

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’tis the season!

– michelle

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12 Ways To Host An Unforgettable Thanksgiving On A Budget

12 Ways To Host An Unforgettable Thanksgiving On A Budget

Thanksgiving

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THANKSGIVING

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12 Ways To Host An Unforgettable Thanksgiving On A Budget

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Feeling stressed out about how much hosting Thanksgving is going to cost you?

I’ll let you in on  little secret:

These are the five best budgeting methods.  I bet you're ready to afford your dream life. I know I was! That is when I transformed my finances, starting with my budget. These are the 5 best budgeting methods to help you afford your dream life. If you want to stop living paycheck to paycheck, pay down debt, or save more money, one of these budgeting methods will help you. Being responsible with your money means creating a plan. These budgeting methods are the best to do that. Click to discover which budget method works best for you.

Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

You can host an unforgettable Thanksgiving on a budget (without anybody knowing)!

When you use these 12 tips, you’ll be able to save money while hosting an epic Thanksgiving dinner.

Dive in!

1.  Don’t Buy A Turkey

I know, I know.  I’m starting off with a banger.

But, hear me out:

The turkey is the most expensive part of Thanksgiving dinner. And, while it is the most recognized item on a Thanksgiving menu, it isn’t the healthiest (or the most compassionate).

So, spread compassion and love this Thanksgiving by saying no to turkey.

Besides, the sides are the most delicious part of Thanksgiving dinner, anyways.

2.  Don’t Over Invite

Keep your expenses for Thanksgiving in check by sticking to a small guest list.

If you’re worried about offending people, let them know that you’re hosting an intimate Thanksgiving for immediate family.

They’ll understand!

And, if they don’t?  Expand your guest list and ask everybody to bring a dish (tip #8).

3.  Shop Sales

You can totally host an unforgettable Thanksgiving on a budget without having to skimp out.

Simply take the time to research the best sales at your local grocery stores.  Then, make a note on your shopping list of where each item is cheapest!

Don’t forget to check your local bulk food stores.

4.  Use Coupons

Coupon Surfer has TONS of great coupons available to you for FREE!

Sign up now and browse their coupons before your Thanksgiving shopping to easily save money.

5.  Buy What’s in season

Pinterest can make it seem like you have to make 2 main dishes and 30 sides to host an epic Thanksgiving.

Don’t be sucked into the madness!

You can host an unforgettable Thanksgiving on a budget by only buying what’s in season.

And, I’ll tell you what:

Your meal will taste 100x better than most because you’ll be using the freshest ingredients available to you.

(It just so happens that they’ll also be the cheapest!)

6.  Shop Locally

Local farmer’s markets often have cheaper prices than your local grocery store.

If you have one available to you, utilize it to host an epic Thanksgiving on a budget.

7.  Budget For It

Don’t let hosting Thanksgiving leave a hole in your wallet.

Instead, budget for Thanksgiving now, so you don’t feel stressed about it as the date approaches.

Download the Budget Boss Binder to organize your finances and create a budget plan for Thanksgiving!

SPECIAL OFFER!

SAVE $18 RIGHT NOW

When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

8.  Make A Plan (& Stay organized)

Avoid unexpected and last-minute expenses when you host Thanksgiving by planning ahead and staying organized.

Use our 2019 Thanksgiving Planner to keep track of all the important details, like:

  • whose coming
  • whose bringing what
  • your menu
  • meal plan
  • shopping list
  • to-do list

and more!

Get your Thanksgiving printables here for just $5.

9.  Ask people to bring a dish

It is 100% okay (if not expected) for you to ask your guests to bring a dish.

And, think about it:

If you ask each guest (or group of guests) to bring just one dish, you’ll have most of your Thanksgiving meal complete without leaving anybody broke or tired.

Sharing is caring!  And that’s what Thanksgiving is all about!

10.  Keep it simple (Stupid!)

Simple is elegant.  Simple is cool.  Simple is cost-effective.

Listen:

You don’t need to go broke trying to throw the most elaborate Thanksgiving anybody has ever been to.

The most important part is that you’re with the people you love enjoying each other’s company.

So, keep it simple, stupid, and save yourself time, stress, and money.

11.  Thrift It

You might feel like you need a fancy set of china to host Thanksgiving.

But, you don’t!

Go to your local thrift store and buy a total mishmash of plates, silverware, and cups.

Not only will this save you tons of money, but it will also look sooooo cute.

Vintage is in, so embrace it!

12.  Get Cash back

Download Ibotta so you can get cash back for purchases you’re already making for Thanksgiving.

It’s as simple as installing the app and snapping a pic of your receipt after shopping for Thanksgiving dinner.

You’ll instantly receive cash back on qualifying items!

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stay grateful,

– michelle

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How To Make A Budget Binder DIY Style

How To Make A Budget Binder DIY Style

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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How To Make A Budget Binder DIY Style

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I’ve been using a DIY budget binder for almost 7 years now.

And, here’s the deal:

Once I learned how to make a budget binder, my finances improved almost immediately (and are still kicking ass today).

It gets better:

Click to learn how to make a budget binder! Here's how to make a budget binder the simple and affordable way. If you want to stop stressing about money, you need to learn how to make a budget binder. This budget binder tutorial will help you make a budget binder so you can master your money and stop living paycheck to paycheck. Don't miss this overview of how to make a budget binder. #budgetbinder #howtomakeabudgetbinder #budgetbinderprintables #budgetbinderdiy

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To make a budget binder DIY style is hella simple and equally affordable!

Today, I’ll walk you through:

  • what you’ll need
  • how to set it up
  • a basic overview of how to use it

Alrighty!  Let’s get into it.

What You’ll Need To Make A Budget Binder

Making a budget binder DIY style is super simple.

Better yet?

They’re also SUPER affordable!

Here’s what you’ll need to make your budget binder:

 

Once you have all your stuff (I love using Amazon Prime!) you can get started on creating your DIY budget binder.

How To Make A Budget Binder DIY Style

To quickly and easily set up you DIY budget binder, follow these steps:

1. Print your budget binder printables (get every budget printable needed here)

2.  3-hole punch your printables

3.  Place your yearly budgeting printables at the beginning of your binder (before the first divider)

4.  Insert your monthly budgeting printables, separated by 12 dividers; one for each month

It’s that simple!

How To Use A Budget Binder For Financial Success

Setting up your budget binder is simple.

The hard part?

Actually using your budget binder for financial success.

Here’s a quick overview of how to use a budget binder so you can finally stop stressing about money.

Income + Expenses

Use an income and expense organizing printable to write down your monthly income and expenses.  Then, evaluate if you’re living within or above your means by doing some simple math (total expenses – total income).  This information is critical to setting up a successful budget.

Create A Budget

Use the Create-A-Budget template to outline your budget for the year.  Decide how much money you can afford to put towards bills, miscellaneous spending, debt repayment, savings, and more.  Use a weekly or bi-weekly budget tracker to make sure you stick to your budget.

Financial, Debt Repayment, & Savings Goals

Use a financial goal planning printables to create long-term financial goals and plan out your action steps for success.  Do the same thing for your debt repayment and savings goals.  Then each month, track your progress with guided printables.

Bill Pay Calendar/Checklist

Use a bill pay calendar and/or checklist to list your monthly bills and check them off once they’re paid.

Account Ledger

Track your bill-pay account by monitoring how much money is coming in and going out.  Your ledger will help you stay on top of your account balance so you don’t spend money that you do not have.  Also great for noticing funky account activity and/or planning for unexpected expenses.

Daily Expense Tracker

Track your daily spending on miscellaneous items so you can recognize poor spending habits and stop them.

Take Action:

If you want to stop stressing about money, you gotta set up your DIY Budget Binder!

As you can see, it’s super simple and hella affordable.

So, don’t wait!

Click here to get your printables and never stress about money again.

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Happy budgeting,

– michelle

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2020 Budget Boss Binder Overview

2020 Budget Boss Binder Overview

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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2020 Budget Boss Binder Overview

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Do you struggle to organize your finances?

Is living paycheck to paycheck getting hella old?

I feel you.

So, here’s the deal:

Come learn everything you need to know about the highly talked about Budget Boss Binder! The 2019 Budget Boss Binder is a planner toolkit that includes every single budget binder printable you could ever need to master your money. The Budget Boss Binder has budget binder printables for creating a budget, tracking your money, paying off debt, and saving money. Come explore the ultimate Budget Boss Binder and get yours today! #budgetbossbinder #budgetbinder #budgetbinderprintables #budget

Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

Having a system to organize and track your finances is essential if you want to end the negative money cycle in your life.

Without a way to strategically plan your money moves, you are setting yourself up for a poor financial future.

And, let me guess:

A poor financial future is far from what you’re dreaming of.

No, I know you.  Because you’re like every other person on Earth:

You want to:

  • spend without limits,
  • pay your bills on time every month,
  • have leftover money for dream vacations,
  • stop the “I can’t afford it” pity train.

The Budget Boss Binder will help you reach your ultimate money goals – and fast.

Let me show you how with this Budget Boss Binder overview.

What Is The Budget Boss Binder?

The Budget Boss Binder includes every printable you need to create your own budget planner (or budget binder).

The Budget Boss Planner Toolkit will help you:

  • create a budget
  • track your budget
  • stick to your budget
  • decrease expenses
  • pay off debt
  • save money (for emergencies, retirement, college, etc.)
  • complete no spend challenges
  • organize your finances

and all in all, master your money.

With over 40 budget printables, you’ll never have to stress about money again.

Here’s the deal:

The printables included in the Budget Boss Planner Toolkit have helped us create a budget that we’ve been successfully sticking to for 6+ years, pay off $15,000 in debt, and start saving for our dream home.

It’s no exaggeration that you cannot be financially successful if you don’t track your finances.

change your money mindset

It simply doesn’t work like that.

Bottom line?

To stop living paycheck to paycheck and afford your dream life, you need to organize and track your finances.

That’s where the Budget Boss Binder comes in.

Who Is The Budget Boss Binder Made For?

The Budget Boss Binder is for those of you who give a f*ck about your financial future.

You see, as you’ve likely gathered, you aren’t going to get rich by coincidence (well, not most of us anyway).

So, to make sure you will have a rich financial future, you need to be proactive and create a plan for your money.

The Budget Boss Binder makes preparing for a rich future possible – and super easy – by providing you with simple templates to manage your money.

Things like:

  • budgeting templates
  • spending trackers
  • debt repayment plans
  • savings guides

will make it simple for you to get (and stay) financially free.

What Is Included In The Budget Boss Binder?

Included in the Budget Boss Binder, you’ll find over 40 budget + organizational printables:

  • Expense Organizer
  • Income Organizer
  • Financial Evaluation
  • Create-A-Budget Template
  • Bank Account Organizer
  • Financial Goals & Roadmap
  • Debt Payoff Goals & Roadmap
  • Savings Goals & Roadmap
  • Monthly Financial Review
  • Weekly Budget Plan
  • Bi-Weekly Budget Plan

 

  • Bill Pay Calendar (+ Monthly Financial Goals Tracker)
  • Bill Pay Checklist
  • Monthly Account Ledger
  • Daily Expense Tracker
  • Monthly Debt Payoff Tracker
  • Monthly Savings Tracker
  • No Spend Challenge Template
  • House Savings Tracker
  • Student Loan Debt Repayment Tracker
  • Lined & Dotted Notes Pages
  • 3 Budget Planner Title Pages
  • 12 Monthly Title Pages

Here’s a run-down on how to use some of the printables included in the Budget Boss Binder.

Expense Organizer

Use your monthly expenses organizer at the start of each year to document your fixed and variable expenses.  This information is critical to setting up a successful budget.

Income Organizer + Financial Evaluation

At the start of each year, reevaluate your income from all sources in your household. Then, evaluate if you’re spending within or beyond your means by doing some simple math.

Create-A-Budget Template

Use the Create-A-Budget template to outline your budget for the year.  Decide how much money you can afford to put towards bills, miscellaneous spending, debt repayment, savings, and more.

Bank Account Organizer

Organize all your account information in one local place.  This template is also super helpful for automating your budget.

Financial Goals & Roadmap

Create long-term financial goals and plan out your action steps for success.

Debt Payoff Goals & Roadmap

Organize your debts and create debt repayment goals.  Then, plan out action steps to accomplish your debt repayment goals sooner.

Savings Goals & Roadmap

Save money faster by outlining your savings goals and how you plan to accomplish those goals.

Monthly Financial Review

Review the upcoming month by outlining which bills are due, for how much, and when.  Also, outline your debt repayment and savings goals here.

Weekly Budget Plan

Easily track your budget if you’re paid weekly.

Bi-Weekly Budget Plan

Easily track your budget if you’re paid bi-weekly.

Bill Pay Calendar (+ Financial Goals Tracker)

Write down your bill due dates and track the financial goals you created at the beginning of the year.

Bill Pay Checklist

Track your bill due dates, amounts, and whether or not they’ve been paid throughout the month.  Great for avoiding late fees!

Monthly Account Ledger

Track your bill-pay account by monitoring how much money is coming in and going out.  Your ledger will help you stay on top of your account balance so you don’t spend money that you do not have.  Also great for noticing funky account activity and/or planning for unexpected expenses.

Daily Expense Tracker

Track your daily spending on miscellaneous items so you can recognize poor spending habits and stop them.

Monthly Debt Payoff Tracker

Track your debt payoff journey each month to become debt-free sooner rather than later.

Monthly Savings Tracker

Reach your savings goals quicker by tracking your progress each month.

No Spend Challenge Template

Have a successful no-spend month by using this fun template.

House Savings Tracker

Use this house savings tracker to save for a down payment, home repairs, renovations, and more.

Student Loan Debt Repayment Tracker

Make getting rid of your student loan debt fun by using this tracker!

More Goodies

Along with containing every printable you’d ever need to create an epic budget binder, the Budget Boss Binder has some more exciting features.

  1. The printables are undated, so you can use them forever
  2. The toolkit is both printable and digital
  3. The planner is updated yearly and sent directly to your inbox

The best part, though?

The Budget Boss Binder is currently on sale for only $9 (originally $27)!

Yep, you read that right.

For a one-time cost of only $9, you will have an updated yearly financial planner for the rest of your life.

So, how do you score this epic deal?

How To Access The Budget Boss Binder For Only $9

To download your Budget Boss Binder for only $9, follow these simple steps:

  1. Click here to add the Budget Boss Binder to your cart
  2. Checkout through our secure gateway
  3. Check your inbox for an email from SendOwl containing your binder download

Oh, and then become a total budget boss!

How To Set Up Your Binder

To set up your budget binder, here’s what you’ll need:

 

Then, once you’ve printed out your Budget Boss Binder you can organize it in your binder, using the dividers to separate each month.

Easy peasy!

Wrapping Up

If you do not track your finances, it is very difficult to create a strong financial present and future.

The best way to create wealth and abundance in your life is to track your finances in a budget binder so you have complete control over your money.

Tracking your spending and organizing your finances in a budget binder will help you to:

  • create a budget that works (our has been going strong for 6+ years)
  • pay off debt
  • save money

and more.

See, isn’t about time you stopped stressing about money??

Don’t forget!

The Budget Boss Binder is on sale for $9 for just a few more days.

Make the smart money move by grabbing it now before it goes back up to $27! wink

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Happy budgeting,

– michelle

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Cash Envelope System: Get Started With The Ultimate Guide

Cash Envelope System: Get Started With The Ultimate Guide

2020

BUDGET BOSS 

planner

2020

BUDGET BOSS 

planner

Cash Envelope System: Get Started With The Ultimate Guide

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Here’s a crazy stat:

Two-thirds of Americans don’t have a budget.

That means that 218 million people are spending their money will-nilly with no game plan.

Two hundred and eighteen million people who are not financially successful.

Because, let’s face it:

This is how to make a cash envelope system actually work. Click to read this ultimate guide to the cash envelope system. If you want to stop poor spending habits, pay off debt, and save money, check out the cash envelope system. Get started with the cash envelope system today after reading this post! #cashenvelopesystem #cashenvelope #budget #budgeting #budgetingmethods

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Without a budget, you are highly unlikely to be able to afford your lifestyle, pay down debt, or save money.

Are you one of these people?

It’s ok if you are.  I was too.

It gets better, though:

Creating a budget (or a plan) for your money is hella easy.

What isn’t always easy is sticking to your budget.

However, when you use a budgeting method, such as the 50/30/20 budget method, you can significantly increase your chances of sticking to a budget.

And, when you stick to a budget, you’ll be able to:

  • afford your lifestyle
  • pay down debt (and stay out of debt)
  • save more money
  • free up money for personal use

and more.

That sounds pretty sweet, right?

I know.  It totally does.

So, let’s get started.

Why You Definitely Need A Budget 

Learning how to budget is super crucial if you want to stop living paycheck to paycheck and reach your financial goals.

But, budgeting can be the worst, so people tend to avoid it.  (Two-thirds of Americans to be exact!)

Here’s the deal, though:

Not budgeting is a huge, huge mistake.

Because, if there is one thing that you should keep organized in your life, it is your money.

So, why do so many people avoid budgeting their hard-earned cash?

Two reasons:

  • budgeting is can be time-consuming
  • budgeting is can be stressful

See, money is often the cause of stress, tension, and arguments between partners.  And, money controls most aspects of our lives, leaving us feeling like we often do not have enough.

So, why even bother with it all, right?

Wrong, wrong, wrong.

You 100% need a budget, regardless of how ‘little’ or ‘big’ your income is.

Because, here’s the deal:

Without a proper budget (and understanding of your finances), you will never, and I mean never, feel satisfied with your income and standard of living.

A budget is necessary if you want to:

  • afford your lifestyle
  • stop fighting about money
  • pay off debt (and stay out of debt)
  • save money

So, let’s dive in and see if a cash envelope system is right for you!

How To Set Up A Cash Envelope System

To set up a cash envelope system follow these steps:

  1. Determine Your Why Factor
  2. Collect Your Financial Information
  3. Calculate Your Income & Expenses
  4. Cut Costs (if necessary)
  5. Set Up Your Cash Envelope System
  6. Track Your Budget

And don’t miss these:

Super cute cash envelopes for sorting your money!

Who Is A Cash Envelope System Good For?

A cash envelope system of budgeting is awesome for people who have poor spending habits and who are unfamiliar with budgeting.

Wanna know why?

When you have and spend physical cash, you’re more likely to connect to the money flowing in and out of your hands.

I mean, it’s pretty damn easy to go a little crazy at Target when you’re swiping plastic, right?

But, with a cash envelope system, you can count the money you have, track the money you’ve spent, and become conscientious of your spending habits.

There are a few downsides to the cash envelope system, though.

Being that:

You’ve gotta use cash.  Meaning you have to go to the bank and get cash every time you are paid.

And, what about all those bills you pay online every month?  What’s the deal with those expenses when using a cash envelope system?

I hear ya.  Here’s the deal:

I highly suggest only using a cash envelope system for the ‘wants’ part of your budget.

Things like groceries, transportation costs, entertainment, personal spending, etc.

Yes, you will have to stop at your local ATM every time you get paid, but it’s worth it!

And, for your fixed expenses like rent, insurance, internet, etc, use a zero-based budget, budget by paycheck system, or an automated budgeting system.

Step 1:  Determine Your Why Factor

We’ve already established this:

Every single person needs a budget if they want to be financially successful.

But why.

This will be different for everybody, and you can determine your why factor by asking yourself these questions:

  1. What will budgeting help me do?
  2. How will budgeting make my life simpler?

For example:

You might want to start budgeting to stop living paycheck to paycheck, to pay off debt, or to save more money.

Knowing your why is essential because it creates meaning for your purpose.  Without it, you’d have no motivation to continue budgeting.

Because let’s be honest:

If you do not have a plan for your money, how are you going to afford your dream life?

Here’s a hint:

You won’t be able to.

So, once you establish the reason you want to start budgeting, I urge you to write it down!

Why?

Because writing it down makes it real and it reminds you of why you started in the first place (if/when budgeting gets tough).

Step 2:  Collect Your Financial Information

Want to know the best part about this step:

It’s hella simple and shouldn’t take you much time at all.

You’re simply going to gather up your financial information. (i.e., pay stubs and bills)

You’ll need:

  • a months worth of pay stubs (and your partners, if applicable)
  • all the bills you currently pay, their individual costs, and when they’re due
  • an average of monthly variable expenses

And that’s all folks!

Step 3:  Calculate Your Income + Expenses

The start of every budget begins by calculating your income and expenses.

It is a crucial step to creating a budget that works because:

If you’ve never budgeted before, you probably don’t have a firm understanding of your finances.

Therefore, you’re probably spending more than you can afford (or not spending your money efficiently).

So, to determine if you need to cut back on expenses before you start budgeting (for better budgeting success) calculate your income and expenses now.

Your Income:

Using the information you gathered during step two, calculate your total monthly income (after taxes) from all sources.

Once you know exactly how much money you earn each month, you can determine if you are living within or beyond your means.

For the purposes of this post, let’s pretend my total monthly income is $4,500 and I am paid weekly.

(Monthly Income Organizer & Financial Evaluation available in the Budget Boss Planner)

Your Expenses:

Next, you’ll want to calculate your total monthly expenses.

For the purposes of your cash envelope system, break your expenses into two categories:

1. Fixed Expenses

2. Variable Expenses (what you’ll be using cash for!)

If you aren’t sure what your monthly expenses are, begin tracking your spending in a financial planner to calculate an average at the end of the month.

(Monthly Expense Organizer available in the Budget Boss Planner)

For the purposes of this post, let’s pretend my fixed expenses total $2,250 and my variable expenses total $1,350.

Step 4:  Cut Costs (if necessary)

Once you’ve calculated your monthly income and expenses, you can quickly decipher if you’re living within or above your means.

To do this, simply subtract your total expenses from your total income.

If the number is a positive number:

You’re in the green and should be able to afford your lifestyle with ease each month and can easily move onto setting up your zero based budget.

If the number you calculated is a negative number:

You’re in the red and cannot afford your current lifestyle, meaning you will have to decrease your expenses if you want to successfully start budgeting.

If you’re in the red and need to cut costs, use these tips and resources:

1.  A Budget Binder– Use budgeting printables, like the ones found in the Budget Boss Binder, to begin tracking your finances and your spending.  Then, begin decreasing your expenses by stopping poor spending habits and canceling unused subscriptions.  Get your budget binder here.

2.  BillBargain – A fantastic resource that will help you lower your monthly expenses.  BillBargain has successfully negotiated over 85% of the bills they receive for cell phone bills, Wi-Fi, cable, and more.  The best part?  BillBargain is 100% risk-free.  If they don’t successfully negotiate a lower price for your bills, you don’t owe them a dime.

Get started with BillBargain for free here!

2.  Trim – Referred to as a financial health service, Trim securely connects to your bank account(s) to analyze spending, subscriptions, and recurring bill pay.  Then, Trim will help you cancel unused subscriptions, negotiate lower bill prices, and more.  In the last month alone, they’ve helped their users save over 1 million dollars.

Sign-up for Trim for free here!

3.  The Ultimate Guide To Frugal Living – Learn over one hundred ways to save money every day (thousands/year!).

Get your free frugal living checklist by signing up for our resource library.

This is how to make a cash envelope system actually work. Click to read this ultimate guide to the cash envelope system. If you want to stop poor spending habits, pay off debt, and save money, check out the cash envelope system. Get started with the cash envelope system today after reading this post! #cashenvelopesystem #cashenvelope #budget #budgeting #budgetingmethods

Step 5:  Set Up Your Cash Envelope System

To get started:

Next, follow these steps:

1.  Add up your monthly income (after taxes)

2.  Figure out which expenses you plan to use cash for (such as groceries, transportation costs, clothing, entertainment, etc.) and budget your monthly income accordingly

3.  Each time you are paid, visit the bank or ATM to withdraw your budgeted cash for the week or next two weeks

4.  Place budgeted cash into allocated cash envelopes for spending

For example:

My monthly take-home pay is $4,500 and I am paid weekly.  And, I have a $500 monthly budget for groceries.

So, each week, I will withdraw $125 ($500/4 weeks) to place into my ‘groceries’ cash envelope.

Here is the most important part though:

You MUST NOT take money from one envelope to make up the difference of overspending from another envelope.

For instance:

If you have $125 for groceries and the cashier rings you out at $128, you have to put something back.  Do not take $3 from your gas cash envelope.

Your cash envelope budget will not work if you don’t stick to this rule!

Step 6:  Tracking Your Budget

Most people forget this crucial part of budgeting and end up wondering why their budget failed a month after implementing it.

If you have a budget, then you need to track it.

Because, here’s the deal:

If you do not track your budget, you cannot make sure that you are sticking to your budget.  And, if you aren’t making sure that you’re sticking to your budget, your budget will fail.

You might be wondering:

How do you track your budget?

These are my recommendations:

1.  The Budget Boss Binder – $9 ($27 value)

A printable and digital budgeting planner designed to help you create & stick to a budget, pay off debt, save money, and more.  The Budget Boss Planner is un-dated so you only have to purchase once to use this planner forever.

To take a peek inside the Budget Boss Binder, click here.

2.  Honey Money ($50 value)

An online resource to track your budget.  Honey Money is the internet’s version of a printable financial planner.  Within your dashboard, you can create your budget, track your budget, create debt repayment and savings goals, and more.  If you aren’t a pen and paper kinda person, I highly recommend this budget tracking resource.  

Get started with Honey Money for free here.

Again, when you track your budget, you ensure that the system you put into place is working correctly.

Don’t let the time you spent creating a budget go to waste by avoiding this simple step!

Wrapping Up

A cash envelope system is a great way to open your eyes up to poor spending habits and get your spending under control.

You’ll be able to:

  • recognize spending habits
  • create spending rules and boundaries
  • stop wasting your hard-earned cash

So, take action:

Gather your financial information, implement your cash envelope system, and track your budget for success.

And, cheers to stressing less about money!

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Happy budgeting,

– michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your love <3

Buy Us A Coffee!Buy Us A Coffee!

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Sign up for our weekly newsletter to gain instant access to our library filled with printables, courses, and more.

Copyright © 2016-2020 WHO SAYS WHAT • THEME BY DIVI • POWERED BY TMDHOSTING