Simplified Monthly Budget Planner - Easy Use 12 Month Financial Organizer with Expense Tracker Notebook - Undated Monthly Money Budgeting Book For 2021 & 2022 That Manages Your Finances Effectively

The media could not be loaded.  Some budgeting tools seem to complicated. This budget planner seems to simplify things they way I prefer them. Right out the package it very nice. The stickers are a really neat surprise too.

If you don't know where to start with budgeting, this book will help with that. And I hope my long review helps you, and maybe answers some questions or gives you ideas.I like that it has a space for financial goals followed by a dot grid notes page (all of the notes pages are dot grids, so I will not call that out again) in the beginning, along with "actions to earn more money" and "actions to cut expenses" followed by a notes page as well. It's a nice way to start thinking about things. Where you are, what you want, how you can get what you want.The general bill tracker is great. I use it for my recurring, debt-related bills (mortgage, car loan, medical bill, student loan, credit card, etc.). Not so much for things like electric, gas, water, etc. They give you blank spots to fill in the months, name of the bill, date due, amount, and a spot to check off if it's been paid. There are 2 pages for savings trackers (with 2 trackers/page) and 4 pages for debt trackers (2 trackers/page), with lines for 12 months of activity. For the savings tracker, you're given a spot for goal, total needed, and deadline (if you have one). For the debt tracker, you're given a spot for the debt name, starting balance, and minimum payment. With how I have my student loan set up, I need more space (payments 2x/mo), but the rest of my stuff fits fine in these areas. I do wish they had tabs for those trackers. I put my own in, but it'd be nice if they were already included.Each month has a spot for monthly income, monthly savings, calculation of budget, and monthly budgeting. NOW, some reviewers didn't like how little space they had for monthly budgeting, but I don't think they realized that monthly budgeting starts on the one page and continues onto the next. They have spots for category, budget, actual expense, and difference. And then there's a spot for totals of budget, actual, and difference. I actually went through and used white-out on the pre-filled in monthly budgeting categories they had and put in my own. I budget by paycheck, but don't want to pay an exorbitant amount for TBM BP, especially when I don't need to, so I basically made my own little one in here. I put the paycheck date and listed the bills as categories (including my variable expenses like groceries, eating out, etc.). Then I drew a line and did the next paycheck with the next set of bills listed out. The next 4 pages are for tracking daily expenses with subtotals at the bottom of each page. After that is a "month in review" page where you put your monthly income, subtract savings, equals budget, then minus total expense, equals balance for next month. Then you can answer the questions they pose for you to think evaluate how you did (did I meet my budget? If not, why not?; Things to improve; My biggest wins). And there's a different quote at the end of each page. The month ends with a notes page.After your monthly budget, there's "Christmas" pages. I don't understand the first section which called "Christmas budgeting" because it lists "all gifts" and "wrapping paper" as categories in the table, when there are pages for "Christmas gifts" (2 pages for this) and "Christmas spending" (1 page for this). Those should probably be the actual names of the categories, if they're going to pre-fill them for you. Under that table is a dot grid spot for "additional Christmas notes".Then there's a budget summary for your year! None of the months are filled in for you, and this is where you put your basic info from the "monthly review" page, because there are spots for: total monthly income (including last month's balance, if you roll it forward), minus monthly savings, equals budget, then minus expenses, equals balance for next month. And 3 pages of notes at the end.There's a decent pocket on the back and lovely stickers included.I love, love, LOVE that it is 100% undated. I don't know why it says it's for 2021/2022, but you could get this anytime. I started this in August, so it goes through next July for me, but it doesn't have a year anywhere. No pre-filled dates or months.One thing I wish this had was a monthly calendar. I think that would be a really nice addition to this planner. I drew my own in the remaining space of the "monthly budgeting" spot on the bigger page. It's a bit haphazard, but it works for me.I also wish there was a spot for tracking how you did last month vs. this month within your categories. I created my own on the 4th page of the daily expenses, because I don't need 4 pages with how many lines they give you. I also use that same page to track cash back from credit cards, any money I've accrued from using apps like Fetch, and any gift cards I have with a balance.A tip is to assign each category a color and highlight it while you're totaling up your daily expenses at the end to see if you stayed on budget. I do a weekly or twice a month check-in and it helps me make sure I didn't miss an expense in the category so everything totals up correctly at the end. And it helps you visually as well. (I was doing this bit before TBM.)I will not, however, be purchasing this product again. It helped me see what I needed to see and what I want to look for in the next budget planner. The big thing I need is a monthly calendar. And I need to see how I did last month vs. this month. Both of these things is why I gave it 4 stars. I may make my own in a bullet journal, unless I find another that'll work for me.If you got to the end, you're amazing and I hope this helped you. I just wanted to leave a detailed review because some of the people's pictures don't capture. And then I could leave you with ideas on how to use. Plus, some people didn't see/understand certain aspects. I did find the video someone did extremely helpful in my decision to purchase.It's a great price for what you get out of it.

I'm in love with this planner! It's honestly exactly how I would design it. I can keep track of my debt, my savings, what I've paid, what I've budgeted vs. how much I've paid, daily expenses, monthly results, and goals! I've used an excel spreadsheet the last 13 years and wanted to try something handwritten. I felt overwhelmed using a regular planner and searched for one specifically for budgeting my money. I'm hoping writing things down will hold me more accountable. This planner is perfect and compact. It's like the Mary Poppins bag... it seems small, but has so much on the inside! I'm not a huge sticker person, but I was excited to see stickers. I'm going to attempt to use them as well.

I love this so much! I've been using planners since I was 12 years old and this is a good little planner. It looks clean, it is very practical, love the style, pages are thick, it came wrapped, I also was happy when I got it and received a little "thank you" card (the little details that makes it even better) It was so cute. I HIGHLY recommend this.

My husband bought me this book (for obvious reasons 🙈). And honestly this book is cute I couldn’t wait to get started using it! Then I opened the book and it came with a cute little thank you card and guide on how to successfully track your expenses. I have never left a review before on Amazon but I totally had to come and give this seller their credit! If you are looking for a reason *not to* track your expenses as I was… this cute little book will definitely give you the motivation to do so! MUST BUY!

Comes with instructions on how to use the book..I should have bought this ages ago! Thank you to the creator's! I can now properly budget my income and daily expenses. It also come with some fun stickers.

I have struggled keeping track of my spending and I had decided to finally take control of that. This budget book has a leaflet in the back that helps you keep track of everything. Plus stickers so you can mark off or create tabs. I love this, nearly two months in and I’m still not doing the best but I’m doing much better than what I was!

This is literally the best budgeting planner I have bought! It’s so customizable and it gives you plenty of extra space to add things unlike other planners. I love the design and the quality is so good! Also the cute stickers are a plus! Once I have filled this one I will definitely be buying again and will recommend to friends and family!