I have to admit, financial planning isn’t my most favourite part of the new year. (I’d rather be party planning any day.) Budgeting and tracking and being responsible are all pretty boring. However, they are absolutely necessary, and I’ve never regretted for a second being money-savvy or keeping track of where it all goes.
I know these days it’s easy to simply login to your bank’s app to view your daily balance, see what you purchased most recently, and to make sure there was still some money left in there to get you through till next payday. But, in only looking at the big picture, you’re missing all the little details. Things as seemingly simple as an inexpensive coffee habit, a bill you thought you had scheduled to auto-pay (but it turns out you never actually did), or those extra trips to the specialty grocery store (that seemed like a necessity at the time but are now really starting to add up) can really wreck your budget if you’re not careful.
Instead, keep a watchful eye on your money (and enjoy watching your savings grow or your bills shrink) with these 9 Financial Planner Printables and make 2019 your most organized year yet!
This one is a real eye-opener. Between the monthly bills, the semi-monthly bills, the annual bills, and the in-between bills, you probably aren’t even aware of how many actual bills you pay in any given month, never mind year. Stop turning a blind eye and use this form to see when the bills land. It could also help you to share the wealth (so to speak) if you can reschedule some bill due dates for less busy times of the year.
Why is February such an expensive month? Why do you save more in September than any other time of the year? Lay it all out, month-by-month to learn your monthly spending habits versus what you budgeted and to see where you might be able to cut back.
Between the expected (mortgage, car, student loans) and the unexpected (new tires, broken arm, tree removal), you’re going to want to keep track of it all and pay off the balance as soon as possible. Print one out for every month and transfer your balance from one month to the next. You can even make a game of it, and try to see if you can get your balance to grow incrementally every month as your bills are paid off.
Personally, I like to save this one for the big purchases: new windows, new appliances, new transmission…all the fun stuff in life. What were your major purchases, how much were they, and under what category do they fall? This will come in handy next year when you can’t remember what month it was when you replaced your dishwasher.
This is a fun one — really! Here’s where you watch your money grow, plain and simple. Take your monthly balance from your bills and see if you can’t add a little more to your savings every month.
Daily Spending Log
Here’s where you really see that expensive coffee habit adding up. It’s so easy to forget all the little things we purchase day-to-day. After all, what’s a new shirt on sale compared to a new refrigerator? I know I don’t have to tell you this — every little bit really does matter. Write it all down and see where you can make some cuts after a couple weeks of careful tracking.
What bills can you pay down or get rid of completely? Start small or large — just start! Once you get the hang of it, you’ll enjoy waving “goodbye” to all those nagging bills that you thought you’d never see disappear.
To me, keeping track of my accounts is kind of like writing down emergency contact numbers — you don’t think you need them till you do. How many times have you had to enter your routing number to auto-pay a bill or get your paychecks deposited? Stop digging through your file cabinets for all those account numbers and passwords and keep them all written down in one place where you can easily find them.
You might also like this 2019 Household Planner.