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1. #How to organize your bills mails etc pdf
2. #How to organize your bills mails etc download
3. #How to organize your bills mails etc free

If you continue to have a negative number or find yourself at zero, then you may need to consider other ways of increasing your income. If you end up with a negative number, go back over your budget and either reduce your expense amounts or cut out anything you don’t “need” this month. This will hopefully give you a surplus amount. In the ‘red’ section you will enter your total income and subtract the total expenses and bills from this number. Now, the bottom portion of the monthly budget will require some math so if you are bad with numbers, keep a calculatorhandy. If money is tight, I might just remove my clothing allowance altogether. Perhaps I can use coupons or avoid impulse buys.

While I can’t cut groceries out of my budget, I can reduce the amount budgeted by using my money wisely the next time I shop for food. As you can see in the example, I’ve included things like groceries and clothing. This is where I list items that do not have a due date and whose amounts tend to fluctuate. The fourth section is listed as expenses. In the bill’s section, I only enter those bills that have a due date like your mortgage/rent, phone bill, and utilities. The third and fourth sections technically are the same things although I list them separately. The second section is where you will enter any income you will receive within the month. This will keep you focused on the big picture. While I’m sure we all want zero goal amounts, this may not be the case for the current year. In the example below, paying a $3500 credit card debt by the end of the year could be possible but this may not be so for the student loan shown. Whatever you do, try to be as realistic as possible. Enter the debt, the current amount, and goal amount you wish to see it at by the end of the year. The first one covers any debt you would like to pay off. Here is a post on 15 financial goals you can check out to help you put this page together.īelow is an image of the top portion of the financial goals sheet. If this is your first time trying to organize your finances, I suggest starting here to develop a plan of what you expect and want to accomplish when it comes to your money. While this page is not in my personal financial binder, I do set financial goals with my goal-keeping planner. It was three simple pages that I still personally use every day.

#How to organize your bills mails etc pdf

#How to organize your bills mails etc free

#How to organize your bills mails etc download

1 Printables You Can Download to Help You Budget and Record Your Finances.