Budget Planner

Budgeting apps are good at showing what already happened. Paper makes you decide ahead of time. This planner is for people who want to sit down once a month with a pen, write the plan and check it at the end of the month.

The core is the monthly budget page with a summary box, backed by a bill checklist for the month and a 12-month bill overview so you can see when the annual charges land. If you get paid every two weeks, the paycheck budget splits the month by payday instead.

For debt there's an overview, a snowball and avalanche worksheet to choose the payoff order, a payoff tracker and a page of 100 hearts to color as the balance drops. Savings get six sinking funds, a goal thermometer and a coloring chart. The pages have no dates and no currency symbols, so you can start in any month and in any country.

• Financial goals and a yearly overview (income, expenses, savings, debt paid)
• Monthly budget with summary, and a paycheck budget
• Bill tracker for 12 months and a monthly bill checklist
• Expense tracker and weekly spending log
• Six sinking funds, a savings tracker with thermometer and a 100-circle savings chart
• No-spend challenge and a subscription tracker
• Debt overview, snowball and avalanche worksheet, payoff tracker and a 100-heart debt chart
• Net worth tracker, monthly review, undated monthly calendar and notes

Print at Actual size (100%) on plain paper. For a binder, print on both sides, then punch the holes. A5 and Half Letter files go on a normal sheet at actual size; trim along the page edge for a ring or discbound planner. Reprint the monthly pages each month.