![]() Those are “CASH ENVELOPES” and “SINKING FUNDS.” You will grab these numbers from other forms. You will notice there are two categories already labeled for each section. This will help you have a rough visual of what’s due and when! It’s also helpful if you get paid bi-weekly or weekly as you can allocate your paychecks to different bills. Separate your bills into the first and second half of the month. This is what you will have leftover to budget for everything else! Total up this number and subtract it from your total income. This includes savings, retirement, college planning, and charitable giving or tithing. Then take the important stuff off the top before your money starts getting allocated to other places. All of your numbers will end up on this form! Start by plugging in your expected income. This is the bread and butter of your budget. Next you will find your monthly budget overview spread. You can use this monthly overview to keep track of due dates throughout the month, set monthly financial goals, and do any other monthly budget planning! You will also find monthly budgeting forms for January-December in 2019! Everything you could possibly need is included. There is space for monthly financial planning and bill pay checklists so you will never pay those annoying late fees again! Use your 2019 Budget Binder to set both short-term and long-term financial goals. The sheer size of this kit can seem overwhelming! But don’t worry, I’ve included an entire section on how to setup and print your binder kit at the very beginning! This year’s budget binder contains 142 printables to help you finally take control of your finances once and for all. The 2019 Budget Binder kit is the perfect first step to get you there. That’s amazing! I’m so happy for you to take this step. It means you want to simplify your finances and finally get on a written budget. Whether you’re a long-time reader or you just clicked over here from Pinterest, I’m so glad you’re here. ![]() Based off of Dave Ramsey’s financial principles, you will finally get your finances in order, learn to live on a cash budget, pay off debt, save for emergencies, and give like no one else! I took all of your suggestions and recommendations into consideration from last year’s 2018 Budget Binder. The wait is over! The 2019 Budget Binder is here!! After many early mornings and late nights spent on my computer, I’m finally finished.
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