Binder Worksheets Explained
The Budget Binder
This informational page is for those who have received a Budget Binder from Financial Remedy & Associates, LLC.
Calendar
Fill in information such as
* Pay Dates
* Bills Due Dates
* Other Reminders
Monthly Budget
Expense Tracking
* Fill in your projected Income
* Fill in your projected Expenses (Budgeted)
* Fill in the actual Expense amount
At the end of the month, total out the Income - Expenses to get your ending balance of Funds on hand at the end of the month.
Expense Tracking
Expense Tracking
Record all daily transactions. Always request a receipt for purchases. Use an envelope to gather the receipts. This process will help in determining where your money goes.
Christmas In July - Holiday Savings Challenge
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Fill out the worksheet detailing as much information in the areas that pertain to you. Once you have set the projected Budget, use the 12-weeks Christmas Challenge worksheet to help you start saving for the holiday. You can change the amount. Once you have the amount, divide it by 12 or 16 weeks. Depends on when you start your Holiday Savings Challenge.
Savings Log
Ready, Set, SAVE! Set your savings goal for the year. Then, for each pay period, pay yourself first. 1% - 10%. If you are unable to start off with saving 10%, start with 1% and work your way up to 10% over a period of 10 months. Add 1% a month until you reach 10%