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5 Awesome Bullet Journal Ideas For Your Personal Finances

Updated: Mar 17


If you're a personal finance nerd, then you must know the satisfaction of crossing off yet another thing on your to-do list. Whether it's bills, groceries, or savings, we all have a list of the things we need to get done.


Have you tried countless methods of becoming more organised with planners and journals but haven't yet found one that fits perfectly into your busy lifestyle? The problem is that you've never been able to develop a method for keeping track of everything you need to do. It's either forgotten in your planner or not written down at all since it was just another fleeting notion.


A bullet journal might be precisely what you need. Bullet journals are easy to use, customisable and, best of all, super cheap. This article will describe a few ways you can set up your bullet journal for successful personal finance management.


Have a Monthly Budget Plan


One of the most important aspects of a person's financial health is a solid budget. Without a budget to follow, you might as well throw that money into the wind since it'll never reach your pocket again. You must find some way to track your expenses throughout the month. That's where a monthly budget plan can come in handy.


You can construct a monthly budget plan using a pie chart. Break down your monthly expenses into categories to see how your income is dispersed throughout the month. It also will help you cut back on some unnecessary costs. Once you've got a good idea of how much money is coming in and going out, you can start looking for areas to improve upon.


Track Your Daily or Weekly Expenses


One of the most important things we can do for our finances is track any expenses. You might not think it's worth your time, but you'd be surprised at how much money you'll save by simply logging every expense as soon as you make it.


Start a new page in your bullet journal labelled "Daily Expense." Every night before you go to bed, pop open your phone and get a screenshot of the day's expenses. If you don't have a smartphone or prefer to use pen and paper, simply write down each purchase as soon as you make it. The more details, the better! Write down the amount spent, what it was for, and when.


You can also use the Weekly Expenses Spreadsheet to track your spending over a seven-day period. Enter your daily expenses and try to calculate an average cost per day on certain things that are consistent throughout the week. You can also use the Weekly Expenses Spreadsheet to track your spending over a seven-day period. This will help you understand how much money you're spending on food, gas for your car, bills, etc.


Create a Wants vs. Needs Table


A wants versus needs table is a great way to check in with yourself to see how realistic your financial goals are. It's essential to stick to your goals, but sometimes they can get out of hand if you're not paying attention. A wants versus needs table will help you prioritise the things you need most instead of wasting money.


If you want to take it a step further and make your needs versus wants table even more beneficial, set up a spending tracker! Track all of the things you need and list them as "needs." Then write down how much money will go to those purchases each month. Next, track the wants by writing down their cost and how many times you will spend that money per month.


Write Down Your Saving Goals


Saving is a crucial part of any personal finance plan. To have any chance at being able to retire comfortably, you're going to have to start saving as much money as possible starting now! This section will help you plan for the future by making short-term and long-term goals that you can work towards achieving.


You can use a simple table to show how much you need to save each month in order to reach your goals. You will be able to track your progress and see that saving money is possible with effort! Be sure to check back on this section regularly so you don't lose sight of those goals!


Have a Saving Plan


Saving Money is vital for anyone looking to become financially independent. In order to save money, you need to plan ahead and make a budget. A simple spreadsheet will help keep your spending in check. Then when you've got all of your expenses under control, start saving!


A savings tracker can be used to mark the amount that you save each month. You can see at a glance how much you've saved for the month and also throughout the year!


Ready, Set, Save!


It's time to design something beautiful and useful to your own needs and create something entirely unique for yourself now that you know about bullet journal ideas that may help with your personal finances.


If you want assistance with bullet journal design or organisation, Najma is here to assist you with any questions you may have. We can also help you evaluate your finances and develop strategies to improve them.


Book a consultation now! https://calendly.com/najma







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