To me, keeping track of my accounts is kind of like writing down emergency contact numbers - you don’t think you need them till you do. What bills can you pay down or get rid of completely? Start small or large - just start! Once you get the hang of it, you’ll enjoy waving “goodbye” to all those nagging bills that you thought you’d never see disappear. Write it all down and see where you can make some cuts after a couple weeks of careful tracking. After all, what’s a new shirt on sale compared to a new refrigerator? I know I don’t have to tell you this - every little bit really does matter. It’s so easy to forget all the little things we purchase day-to-day. Here’s where you really see that expensive coffee habit adding up. Take your monthly balance from your bills and see if you can’t add a little more to your savings every month. This is a fun one - really! Here’s where you watch your money grow, plain and simple. What were your major purchases, how much were they, and under what category do they fall? This will come in handy next year when you can’t remember what month it was when you replaced your dishwasher. Personally, I like to save this one for the big purchases: new windows, new appliances, new transmission…all the fun stuff in life. You can even make a game of it, and try to see if you can get your balance to grow incrementally every month as your bills are paid off. Print one out for every month and transfer your balance from one month to the next. Why is February such an expensive month? Why do you save more in September than any other time of the year? Lay it all out, month-by-month to learn your monthly spending habits versus what you budgeted and to see where you might be able to cut back.īetween the expected (mortgage, car, student loans) and the unexpected (new tires, broken arm, tree removal), you’re going to want to keep track of it all and pay off the balance as soon as possible. It could also help you to share the wealth (so to speak) if you can reschedule some bill due dates for less busy times of the year. Stop turning a blind eye and use this form to see when the bills land. Between the monthly bills, the semi-monthly bills, the annual bills, and the in-between bills, you probably aren’t even aware of how many actual bills you pay in any given month, never mind year. Instead, keep a watchful eye on your money (and enjoy watching your savings grow or your bills shrink) with these 9 Financial Planner Printables and make 2019 your most organized year yet!
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