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How I Budget Every Month, Year after Year and What I Have Learned Along the Way

How I Budget Every Month, Year after Year and What I Have Learned Along the Way
Family Finance Planner - Level 3 - Wealth Accumulation
Family Finance...
Planning and Creati...
By Victoria Smith
Photo book
I start at the beginning of the year and fill out my budget book. I have been doing this for 10+ years and it has evolved into the planners that I have created to share with you all. My husband and I sit down and work through our whole year in December. My husband used to hate this and now he sees how much it helps me to plan and actually have the funds set aside for all our big plans.

Summer Chore Ideas

Summer Chore Ideas
Summer Planning and Chore Charts. A few helpful links I used this year to help get my summer planned and each day organized.

Repeat Purchase Planner

Repeat Purchase Planner
Toilet paper, makeup, diapers, wipes, toilet bowl cleaner... The list goes on and on. Use the repeat purchase planner to track how often you purchase some of the most common items in your household. Keeping track and estimating the cost of these purchases can relieve some strain off of your monthly groceries budget.

Retirement Planner

Retirement Planner
From year to year, you will have a way to track grown and contributions, which could be helpful for taxes in future years as well. 

Kids Activities

Kids Activities
Planning and paying for children's activities can be an added stress in our already busy lives. Using this planner allows you to track the cost and the times that you pay for each activity.

Semi Annual Budget

Semi Annual Budget
Semi Annual Budget to make changes to your budget by looking back six months and making changes looking forward for the next six months.

Quarterly Budget

Quarterly Budget
Reviewing you quarterly spending can help you see patterns and help you and your spouse create future budgets based on previous spending. Make any adjustments going forward to your budget.

Monthly Budgets

Starting a budget and carrying that budget from month to month. Making adjustments to your budget and using online tracking apps to help.
Setting up a monthly budget and tracking it from month to month can help you to achieve your financial freedom and any goals you have for the year.

Annual Budget

Annual Budget
Having a planning meeting with your spouse to plan out your annual spending can help relieve some of the stress of unexpected expenses and making sure your money goes to where your family needs it most.

Large Purchase Planning

Large Purchase Planning
Dare to dream. List out items you would love to buy, so as your income starts to grow, you have goals to save for instead of spending the money every month and never knowing where it went.

Birthday, Christmas, Vacations and Large Purchases

Birthday, Christmas, Vacations and Large Purchases
Planning for birthdays, Christmas, vacations and large spending from the beginning will help take the stress of these family memories and make them something you hopefully look forward to instead of dread.

Emergency Fund

Emergency Fund
Plan and Protect your emergency fund by having the difficult discussion before an emergency happens.