Today I'll be sharing with you how I use my bullet journal to track my finances. For a long time I wasn't very organised with tracking my money and I couldn't seem to get my finances in order. I guess it had also to do with the fact that I couldn't find any financial layout that would work for me and my needs. But, the amazing thing with bullet journaling is that you can create your own spreads. So, that gave me the incentive to start tracking my income and expenses, and today I'll share with you some of the ways that I use my bullet journal to keep my finances organised.
I started creating a very basic spread in my bullet journal where I'd track my income and my expenses per month. Each spread would track two months, so I was creating this spread every other month, which was handy :)
However I wanted to track more things in my bullet journal, like my savings, profits etc. So, I went ahead and created a second spread, which I've been using every single month for the past 5 months and I love it! It is very functional and has all the elements that I want.
On the left hand page I would track my balances at any given time. Each time I would add something on my income or expenses section, I would check my balance on my accounts to see how much money I have left. This has proven a lifesaver in many instances, where I was expecting some money, but it didn't appear in my bank account on time, and I had some other expenses scheduled to be paid at the same time as well.
Month End Totals
I also like to track at the end of each month my total income, expenses and profit as well as my savings. This gives me a clear view of how my month went and then I can make adjustments or change things around for the next month, if needed.
This has also been a very functional part of my financial spread. I write all my recurring expenses for each month, the date that the money usually is paid and the amount, which for obvious reasons I left out of this picture. But usually the amount of money that is normally paid from my accounts is written next to the date.
On the right hand page I create two lists where I note down analytically my income and my expenses as they happen. I love how simple but analytical these lists are, and I can see at a glance how I spent my money each month, and my income sources as well.
This spread is so functional for me and so easy to create, especially since I started using my Budget Stickers! You can find them at my Etsy Store.
One more spread that I use for my finances is the one you can see above, where I track all my affiliation income. I basically create a sideways spread where I draw a column for each month, and on the far left column I note down all the companies/websites that I'm affiliated with. Then each month, I'd write next to each affiliate how much income I got for that month.
This is very useful to see where most of my affiliate income comes from each month, and to know on which affiliate I should focus more.
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Here are some financial spreads for your bullet journal from some talented fellow bullet journalists, for you to get inspired:
I hope all the above has given you some inspiration for your financial spreads. How do you use your bullet journal to track your finances? Let me know in the comments below.