Wednesday, February 10, 2016

My Budget Binder

For Christmas I received some new budget binder items. I put them in an awesome Hello Kitty binder I had received from a friend years ago but never used as it didn't have many pages.

I graduated from a M by Arc (Staples brand) book. Both books/binders are carried in my purse. My current binder measures about 7.5 inches tall, 5.5 inches wide and 1.5 inches thick.

Do any of you use a similar setup, or maybe something entirely different? I'd love to hear about it!


What could beat a superhero theme? I have no idea what brand this might be.

I stuff random folded papers in the front. I have a stash of printed coupons at the moment. The snap closure sure gets a workout!

In the left pockets is my Scene Card and some Canadian Tire my coworkers have given me.

On the right is two pages for credit cards. I keep my most used reward cards there like my Litre Log and Air Miles. 

Behind that is my year-by-month calendars. The front part has spaces to right little notes so I've been keeping track of the paper books I've finished and if I've all ready done my monthly (or semi annual) cleaning. I also have blank paper nearby for grocery lists. 

I have three open-ended envelope pages. I keep my budget in one and above is my bill payment tracking and food prices. I had trouble keeping track of what bill I'd paid and for how much so for the last couple months I've used this spreadsheet-like page and it's working great. 

The food list is outdated on some items now but I went to each of the grocery stores to price out my most used items. I found out that while I had done most of my shopping at Sobey's it was quite a bit more expensive that No Frill's or Walmart. I do most of my shopping at Walmart now because it's prices are lower than Sobey's and they take my credit card so I can get Air Miles.

Lastly are my zipper pockets. I have them divided into my cash categories of food, pets, gas, fun, and credit card. When I get my bi-weekly budget I divide my money up into its envelope and then I know exactly how much I have to spend.

I try to buy as much as I can on my credit card so I can get Air Miles. When I buy something I transfer money to the credit card envelope so I can pay it off later. 

And that, ladies and gents, is my budget binder!