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

christmas

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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

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

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Master Your Money Super Bundle 2019
What's inside the Master Your Money Super Bundle

TOTAL VALUE: $1206.41

ACTUAL PRICE: ONLY $49!

Free Budget Boss eCourse!

Never wanna stress about money again?  Sign up now for your 5-day budget eCourse that will transform your finances.  (With Printables)

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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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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

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

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read more
Master Your Money Super Bundle 2019
What's inside the Master Your Money Super Bundle

TOTAL VALUE: $1206.41

ACTUAL PRICE: ONLY $49!

Free Budget Boss eCourse!

Never wanna stress about money again?  Sign up now for your 5-day budget eCourse that will transform your finances.  (With Printables)

Copyright © 2016-2019 WHO SAYS WHAT • WEBSITE DESIGN BY DIVI • POWERED BY TMDHOSTING

Trim Financial: Save Hundreds Of Dollars In Only 5 Minutes!

Trim Financial: Save Hundreds Of Dollars In Only 5 Minutes!

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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Bills…

We’ve all got them.

And we all wish we had less of them.

Here’s the deal, guys:

Click to learn how to budget for beginners even if you suck with money.  Learning how to budget is essential to your financial wellbeing and will determine if you can afford your lifestyle, get out of debt, and save money.  If you're sick of living paycheck to paycheck or in debt, it is time to learn how to budget.  Use these 5 quick and easy 'how to budget' tips to get started with budgeting in as little as an hour.  These five tips are your first steps towards budgeting better! #budgeting #howtobudget

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 decrease your bills and save hundreds of dollars each month in only 5 minutes with Trim Financial.

Things like your cable/WiFi bill, your phone bill, and your credit card APR’s can all be negotiated for a lower cost.

And the best part?

You don’t have to be the one to do it.  Trim Financial will do all the work for you.

All you have to do is sign up, sit back, and save.

Today I’ll fill you in on:

  • what Trim Financial actually is/does
  • how Trim Financial works
  • how to get started with Trim Financial for free

Let’s do this!

>> What is trim financial?

Trim Financial is a money management tool that will help you budget better, save money, and pay off debt.

Once signed up with Trim, you will be asked to connect your checking account.

Then, Trim will analyze your spending and earnings to help you “make the most of your money” by:

  1. Negotiating Your Bills
  2. Finding & Cancelling Your Unused Subscriptions
  3. Automating Your Savings
  4. Assisting With Debt Payoff

I mean, guys, get this:

In the last 30 days, Trim has saved its users over one million dollars!

Epic right?

And, I know you want to cash in on these savings, too.

So, let’s dive into how Trim Financial will save you hundreds of dollars a month!

>> How does Trim Financial work?

As I mentioned, Trim utilizes four areas of expertise to save you money:

  1. Bill Negotiation
  2. Canceling Unused Subscriptions
  3. Automatic Savings Features
  4. Debt Payoff Assistance

Now, let me explain how they’ll save you mad cash.

1. Bill Negotiation:

Trim Financial will negotiate a lower price for some of your bills, including your:

  • Cable bill
  • WiFi bill
  • Cell Phone bill

The process of lowering your bills is super simple; just upload your bills, sit back, and watch the savings roll in.

That’s not even the best part, though:

You don’t have to call up your providers and negotiate yourself!

2. Canceling Your Unused Subscriptions

Once you’ve connected your checking account(s) to Trim Financial, they will automatically find your recurring subscriptions.

Then, simply head over to the “subscriptions” section of your account and review them.

You can easily request to cancel any subscriptions found and they’ll do the work for you!

HINT:

Already in love with Trim Financial? (I knew you would be!)  Get started now for free!

3. Automatic Savings

Trim Financial will help you add more money to your savings account through the use of ‘Simple Savings’.

All you have to do is set a price and forget it!

Then, Trim will use an automated weekly transfer system to add money into a high-yield savings account.

Ca-ching!

And, that’s not all:

Ever wonder how much money you should have saved in case of emergency job loss?

Well, Trim has an Emergency Fund Calculator that will tell you exactly you should have saved.

Simply add your monthly expenses to the calculator and bam: your customized emergency fund number.

4. Debt Payoff Assistance

Using Trim Financial to get rid of your debt is hella smart, simple, and, well, awesome.

Trim will help you with your debt in 3 ways:

  1. Automating Credit Card Payments
  2. Creating A Payoff Plan
  3. Negotiating Lower APRs

Here’s the deets:

1. Automate Credit Card Payments:

Trim will automate your credit card payments so you never miss a due date again!

This way, you’ll avoid late fees, save money, and pay off your debt faster.

2. Create A Debt Payoff Plan:

Trim will create a custom debt payoff plan for you using the debt avalanche method (the fastest way to destroy debt) so you can become debt-free ASAP.

It’s simple:

First, provide Trim with your debt information, such as how much owe and what your interest rates are.

Next, set a target monthly payment and voila – your debt avalanche payoff plan is created!

You’ll be told exactly how much to pay on each debt, each month, and exactly how long it will take you to become debt-free.

#awesomesauce

3. Negotiate Lower APRs:

Ok.  So this is definitely one of the coolest benefits of signing up with Trim.

You know this:

Having high-interest rates makes paying off your debt so. much. harder. 

So, to make your debt payoff go smoother, Trim will negotiate lower APRs FOR YOU.

Simply give Trim your credit card information (the non-confidential stuff, of course), and they’ll do whatever they can to score you a lower APR!

Freaking amazing.

Click to learn how to budget for beginners even if you suck with money.  Learning how to budget is essential to your financial wellbeing and will determine if you can afford your lifestyle, get out of debt, and save money.  If you're sick of living paycheck to paycheck or in debt, it is time to learn how to budget.  Use these 5 quick and easy 'how to budget' tips to get started with budgeting in as little as an hour.  These five tips are your first steps towards budgeting better! #budgeting #howtobudget

>> How to get started with Trim Financial (for free!)

I know you want to get started with Trim ASAP and reap it’s many saving benefits!

So, here’s the super simple way you can get started for free:

  1. Visit asktrim.com
  2. Click to signup with Facebook or via Email
  3. Create an account (for free) with your name and email address
  4. Connect your bank account(s)
  5. Start saving!

Trim has an easy-to-use dashboard and makes saving money so damn simple, so don’t wait to sign up!

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?

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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!

MORE GOOD READS…

Planning For Your Financial Future

When you are young, life seems to last forever and every bit of money that finds its way into your pocket is for spending. Money quite often flows through our lives without stopping for much of our youths.  But we live in times of such big financial changes, it...

read more

4 Methods To Get Out Of Debt Fast

2020BUDGET BOSS planner2020BUDGET BOSS plannerGetting out of debt can feel like an impossible task. That is until you use one of the best methods for paying off debt quickly. When I used one of these four methods to pay off my...

read more
Master Your Money Super Bundle 2019
What's inside the Master Your Money Super Bundle

TOTAL VALUE: $1206.41

ACTUAL PRICE: ONLY $49!

Free Budget Boss eCourse!

Never wanna stress about money again?  Sign up now for your 5-day budget eCourse that will transform your finances.  (With Printables)

Copyright © 2016-2019 WHO SAYS WHAT • WEBSITE DESIGN BY DIVI • POWERED BY TMDHOSTING

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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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

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.

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

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

Buy Us A Coffee!Buy Us A Coffee!

MORE GOOD READS…

Planning For Your Financial Future

When you are young, life seems to last forever and every bit of money that finds its way into your pocket is for spending. Money quite often flows through our lives without stopping for much of our youths.  But we live in times of such big financial changes, it...

read more

4 Methods To Get Out Of Debt Fast

2020BUDGET BOSS planner2020BUDGET BOSS plannerGetting out of debt can feel like an impossible task. That is until you use one of the best methods for paying off debt quickly. When I used one of these four methods to pay off my...

read more
Master Your Money Super Bundle 2019
What's inside the Master Your Money Super Bundle

TOTAL VALUE: $1206.41

ACTUAL PRICE: ONLY $49!

Free Budget Boss eCourse!

Never wanna stress about money again?  Sign up now for your 5-day budget eCourse that will transform your finances.  (With Printables)

Copyright © 2016-2019 WHO SAYS WHAT • WEBSITE DESIGN BY DIVI • POWERED BY TMDHOSTING

2020 Budget Boss Binder Overview

2020 Budget Boss Binder Overview

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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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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Master Your Money Super Bundle 2019
What's inside the Master Your Money Super Bundle

TOTAL VALUE: $1206.41

ACTUAL PRICE: ONLY $49!

Free Budget Boss eCourse!

Never wanna stress about money again?  Sign up now for your 5-day budget eCourse that will transform your finances.  (With Printables)

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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

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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!

MORE GOOD READS…

Planning For Your Financial Future

When you are young, life seems to last forever and every bit of money that finds its way into your pocket is for spending. Money quite often flows through our lives without stopping for much of our youths.  But we live in times of such big financial changes, it...

read more

4 Methods To Get Out Of Debt Fast

2020BUDGET BOSS planner2020BUDGET BOSS plannerGetting out of debt can feel like an impossible task. That is until you use one of the best methods for paying off debt quickly. When I used one of these four methods to pay off my...

read more
Master Your Money Super Bundle 2019
What's inside the Master Your Money Super Bundle

TOTAL VALUE: $1206.41

ACTUAL PRICE: ONLY $49!

Free Budget Boss eCourse!

Never wanna stress about money again?  Sign up now for your 5-day budget eCourse that will transform your finances.  (With Printables)

Copyright © 2016-2019 WHO SAYS WHAT • WEBSITE DESIGN BY DIVI • POWERED BY TMDHOSTING

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