No Spend November // Free Budgeting Filofax Inserts

You know what I love...unexpected bills.  You know what's even better?  Two unexpected bills two months in a row.  Well the second bill wasn't really unexpected I knew it was going to come up sometime I just wasn't paying attention.  So now, in these most expensive months before the holidays, I need to kick my butt into gear!

Sooooooo......the other night I came up with some budgeting printables I'm going to stick into my A5 Raspberry Saffiano to keep me on track.  I've had the Bills tracker for a while now because I was constantly thinking 'Did I pay this? Did we mail that out?' but I need to start thinking about a real budget.  Instead of just the willy-nilly I'll pay it when I get it mentality.  I've always had a pretty good idea of where my money went....I knew I'd spent too much at Target but it really didn't cut into anything else.  I knew that I had the money and I knew where it was going.  I wasn't ever too loose with my money, but I did spend it where I really didn't need to.  I had a pretty decent savings until I had to buy a new car ..... and with that comes a whole new budget game.

When it comes to numbers and rations, I'm a planner.  I like to calculate out this and add up that just to make sure I'm on track with what I need to be.  I can't tell you how many times I find little papers lying around with numbers, addition & subtraction, notations, and lines lying around.  They are especially prevalent in little tiny note books I have.

Today I want to share with you three desktop sized (8.5 x 5.5 inch) inserts that fit perfectly in an A5 filofax.  I could be all technical and do it at proper A5 size......but that is a waste of paper especially since its only a few centimeters off.  So these are desktop sized, half page, inserts that you can print at home.  

Here's the breakdown:

No Spend Tracker - Because I reeeaaaallllyyy want to spend as little as possible this month, I'm doing a no spend.  That means I will not buy clothes, make up, stationery, Project Life supplies, shoes, purses, yarn, etc for the whole month.  I reeeeaaalllllyyy would like to carry this into December and I hope I can!  So that's what the No Spend Tracker is.  I'm going to mark everyday that I don't spend and we'll see what happens!

Monthly Budget - This is like the name suggests, my monthly budget.  I had a vague budget before but now it's going to really be broken down.  There is a section for the income, your starting balance budget, list of bills with due dates, name, amount, and a section for if it's been paid, an ending balance, and a spot to keep track of your savings.  Phew...thats a full sheet of paper!  There are two files in this one a right margin and a left margin so you can print back to back if you wish.

Bill Tracker - This is pretty simple, it is an at a glance look to make sure you've actually paid what you think you've paid.  For me it's good because I can see not only when bills are paid but which bills are every six months, which bills are quarterly, etc.  Like our trash bill is every 3 months and my car insurance is every 6 months.  Things like that are good to have at a glance.  You can see what's coming up due or if you've forgotten anything that month!

I hope these printables are helpful for you all I really had a fun time breaking it all down.  Printing instructions as well as terms of use are included in the .zip download from Google Drive, download the files here. 

Have fun and budget them dollars!

xoxo, Moe