9/17/2023 0 Comments Budget planner dave ramsey![]() Seeing a visual representation of the debt is a little staggering and is good motivation to keep paying it off! Here is the file if you would like to use these stickers. Each circle represents $100, so as we pay off these debts I will cross of stickers. I have a Silhouette Cameo, so I just printed and cut these stickers. ![]() One page is dedicated to our debt snowball. I used month headers from the Erin Condren Monthly Sticker Book, but you could also just snag the Metallic Sticker Pack. On these pages I used stickers, but that isn’t a must. I generally pull cash out for these expenses. I add a check box for each week of the month and check it off as I fund it. On the right hand side of the page I write down our expenses for the month like food and gas. Then, once I fund each line, I write down the actual amount I added. I write out each fund and then the amount I project that we will add to it that month. On these pages I am tracking our sinking funds and expenses each month. On the note pages in the back of the planner I added monthly stickers to the first 12 pages. Being late on bills or forgetting them altogether is not only a sign of immaturity and lack of discipline, it can negatively affect your credit! This gives me a good idea of the month at a glance, and has completely eliminated any missed or forgotten bills. On the monthly pages I write down our bills on the dates they are do or when I plan to pay them. This is not only cheaper, but it’s a system that anyone can use. Time will tell!Īlso new this year is that I am almost exclusively using pen instead of stickers. So far I am liking the layout, but I am concerned that the binding won’t hold up for the entire year. It is less expensive, and the layout is a bit different. ![]() So this year I am using an Erin Condren Monthly planner. Last year I used the Erin Condren Deluxe Monthly planner, and it worked great! I did get some comments that people couldn’t afford that planner, and I had a lot of extra note pages that went unused. I used a different planner for my 2018 budget planner setup. I kept some things the same, and I changed some things up based on my experience last year. I did a separate budget planner last year, and I really liked having it separate from my work/personal planner so I decided to do another one for 2018. ![]()
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