Budget & Finance Planner
A full year of monthly budgets, plus the pages people usually skip: the debt list, the irregular bills nobody budgets for, and the subscription audit.
Start from what actually happened.
The planner opens with Where the Money Goes Now: last month, taken from your statements rather than memory, with a column for what you guessed and what it really was. Everything after it is built on that page.
Each month is a three-page set — plan, track, review — repeated twelve times. It is undated, so you can start in any month. It is a planner, not financial advice: nothing in it is a recommendation about your money.
Who it’s for.
For anyone who wants to run a household or personal budget on paper or on a tablet, month by month, without a spreadsheet.
How it’s delivered.
One 46-page PDF at US Letter size. After checkout you get a download link on the order confirmation page and in your order email. Open it in GoodNotes, Notability, Noteshelf or any PDF annotation app, or print it at 100% scale. Personal use only — not for resale or redistribution.
Inside the 46 pages
- How to use this fileInstructions · 1 page
- Where the Money Goes NowStarting point · 1 page
- Money In & Bills That Do Not MoveIncome and fixed costs · 2 pages
- Irregular BillsAnnual costs divided by twelve · 1 page
- Month Budget, Spending Log, Month in MoneyPlan / track / review · 12 sets, 36 pages
- What Is Owed & Savings GoalsDebt list and goals · 2 pages
- Subscriptions & Year in MoneyAudit and annual review · 2 pages