Keeping a budget is vital for saving money and preparing for the future. But it is hard sometimes to look at our finances with a sharp eye because money (or lackthereof) is a scary thing. It's easier to use a happy blend of digital and paper systems to help you create and keep your perfect budget. For me, a pen and paper financial planner is just what I need to stay on it and take my finances seriously.

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  1. I LOVE YNAB!!! We’ve been using it for a couple years now. It’s a fantastic tool. I’m thinking about adding a page to my Filofax for financial stuff but I can’t decide.

    1. This is seriously the best budgeting tool I’ve ever used! I love having the info on both paper and my phone, it really helps so much. I bet you’ll find that it’s nice to have a page with all your numbers, too!

  2. Thank you Shelby! I have been waiting to see how you would lay this out. I’ve tied to start several times but could not wrap my head around what I really needed in bujo. I have always had an excel spreadsheet but it is not cutting it anymore. I can’t access it easily, and don’t want it in the cloud. the spreadsheet is not bujo friendly. Maybe this will work.

    1. Finances are particularly tricky, I think, because everyone processes the information differently. I can’t hold any of the info in my head, buy my husband can run crazy amounts of numbers off of memory alone. As you can imagine, we have very different mental interpretations. The best way to discover the right method is to try, try, try! I wish you luck in your newest version and I hope that it works perfectly for you 🙂

  3. You may have said this, but I missed it…. Do your categories roll over? For example, $20 for clothing – if you don’t spend that, does that category build and you have $40 next month? Or do you divvy it up into the savings/emergency fund area?

    1. Oh, nice catch! I forgot to add that. For some categories, like clothes, it rolls over and accumulates. Others, like groceries, don’t. I should probably go back and edit the post to include that, thank you for reminding me!

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