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15 Incredible Bullet Journal Ideas To Manage Your Money written by Money Bee April 26, 2018 Please note that this post contains affiliate links. These involve no extra cost to you but may result in me receiving a small commission - for which I'm very grateful! To know more, check out our Affiliate Policy. Pin 4K Share 3 Tweet 4K SHARES We’ve all heard the advice: if you’re trying to get your finances under control, you need a budget. But for some of us, having an Excel spreadsheet can be a little…dry. So if you’re the kind of person who needs some colour in your financial life, then these bullet journal ideas may be just what you’re looking for. Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspiration Bullet journalling – or “bujo” for the cool kids – has been taking the Pinterest and Instagram worlds by storm for a few years now. Whether it’s noting down your schedule, your chores, what you’ve been eating or, yes, your budget, these amazingly creative trackers are incredibly effective at helping you stay organised and on top of your goals. This is especially the case if you’re the type of person who loves being able to see your progress in actual, paper form. Not only is it super satisfying to fill in each step you’ve achieved towards your goal, but it’s also a great way to hold yourself accountable. For example, you may have $10,000 of debt. In that case, your bullet journal could have a page with 100 boxes, each representing $100 of repayments. This means that each time you pay off $100, you color in a box. But if you start to get a bit lax at your debt repayments…well, those stark white boxes just waiting to be filled in can be a great reminder of your goal. Report this ad How to start your own bullet journal I’m not the most creative person in the world (…understatement). So having some inspiration has been amazingly useful at showing me what I can reproduce in my own bullet journal. Which means that if you’re anything like me, the examples further down in this article will hopefully provide you with some inspiration for creating your own bullet journal to manage your money. Of course, you can always buy one that’s already been designed and is just waiting for you to get started. The Living Well Planner is one of the most popular ones out there. Not only is it pretty as hell (all the colors!), but it will help you to get your whole life organised, not only your finances. That said, if $55 is a bit outside of your budget, you can always spend a lot less to make one yourself. Elite bojo’ers definitely favour the Leuchtturm1917 journal for their bullet journal needs. Even if you can’t pronounce “Leuchtturm”, people rave about its quality and ease of use for bullet journalling. And the 16 colors you can choose from for the cover aren’t bad either. For actually creating and filling in your bullet journal, the most popular pens in terms of ink quality and color range are the Staedtler Triplus Fineliner Pens and the Zebra NC5 Highlighter Mildliner pens. People go crazy in their reviews about these and Instagram experts in particular are huge fans. Bullet journal ideas 1. To see a summary of your monthly budget This is a great way to show your overall financial position for the month on one page. Simply color in the bar as you spend and see how you’re going throughout the month. Bonus points for the reminder to pay off your debt on the bottom left! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @eat.sleep.stayweird 2. To stick to your saving goals This is perfect if you’d like something visual to help you see how far along you are towards achieving your saving goals. Not only does it let you fill in each step of your savings journey, but you can also see down the bottom how well you’re doing overall each month – and try to beat it in the next month! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @savingstracker Report this ad 3. To deal with your money going in different directions It can be tricky to manage your money when it’s going in different directions. You know that you want to put a certain amount each year into your retirement account, your investments, your savings account…but how much have you put in there and how much should go where next month? Well, this is a simple, effective way to show it all on one page. You could also use this for wanting to see all of your debts in one place. Simply color in a box each time you pay a little bit off and when you reach the top, the debt’s gone! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: Infinite Planner 4. To manage your monthly expenses This is an amazing way to show all of your expenses in one place to make sure that you’re not over-spending each month. It’s especially good for holding yourself accountable by having a clear reminder of ways you can save and your bad habits to avoid that month. Not to mention that the dose of inspiration on the bottom right is straight up stunning! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @planyourplanner 5. To manage multiple accounts It can be a struggle sometimes to see where your money’s going in and out of each account. So this page is a fantastic way to see it all in one place. Not only is it organised, but it looks amazing as well! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @plusbizarre 6. To achieve all your savings goals Maybe you have a holiday in the next few months, but you also need a new computer AND you have to get a present for your dad’s upcoming 60th birthday. If you have several things that you’re saving for, this page is great for helping you allocate money to all of them. Just make sure that you don’t spend the money after you filled in each square! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @written.intentions Report this ad 7. To succeed at a no spending challenge Committing to a no spend month can take a lot of work. So having a page like this to show you how well you’re going can be perfect for motivating you to make it to the end of the month. And I especially love the little envelope for you to keep receipts of any necessary expenses – it’s great to help you keep track of where your money’s going! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @hwangmyeons 8. To track your six-month budget Seeing your budget from month-to-month, or even week-to-week, can be useful but it can also be incredibly helpful to see the state of your finances over a six-month period. It allows you to track your income, bills and other expenses. You can also add your financial goals down the bottom and, on the other page, set out your financial do’s and don’t’s based on lessons you’ve learned about your financial habits from tracking previous months. It’s a great way to get an overview of how you’re going – and how you could continue to improve! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @the.petite.planner 9. To see all your monthly financial activities While the one in this picture isn’t specifically for your finances, I love the design as it’s very easy to tweak so that it’s solely aimed towards managing your money. After all, you could put your financial goals on the bottom left. The bottom half of the page on the right could track your expenses, savings, no-spend days etc. The top right can set out some financial books for you to read this month (The Millionaire Next Door is a great place to start!). And on the left you have your monthly calendar – perhaps to fill in each day where you spend less than a certain amount? Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @my_journaling_corner 10. To figure out where the hell your money went Pay day is one of the greatest days of the month. A day that’s not quite as good? When you get to the end of the month and think to yourself: “Hang on. Where the hell did it all go?” No more! With this page, you’ll be able to easily see just where all your money has gone and, importantly, see where you could cut back next month to increase your savings. Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: Caroline Vencil Report this ad 11. To keep track of your bill payments When you have bills coming in from every direction for your credit card, utilities, student loan, cell phone, internet…it can really be difficult to make sure that they’re all paid to avoid any late fees. So this one’s great for helping you to pay them all each month and not have to pay even more money if you forget them. And you could even add an extra line under those that you’re not paying in full each month, like your student loan, to keep track of how much is left. Watching that number go further down each month is super motivating! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: @cupcakesncurriculum 12. To list all your expenses If you’re the kind of person who likes to list all your expenses in one place as well as filling in the tracker to see how well (or, uh, not well) you’re going, then you’ll really like this one. It’s great for keeping track of both your regular expenses and those that are one-off for that month. You can also categorise each expense and fill in the chart on the bottom left for another way of seeing where all of your money is going. And then you can work at getting each of those bars down next month! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: Schrift & Zo 13. To write down words of wisdom Sometimes you find a quote that hits you like a bolt of lightning. It fits you or your situation so well that you know that you need to remember it for when things get a little tough in the future. This idea is a great way to keep track of them. Whether you choose to write down your own thoughts, as the creator of this one has done, or quotes from financial gurus, it can be super helpful to be able to easily refer to these when you need some inspiration. Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: Funding Cloud Nine 14. To achieve all of your goals This is another one that isn’t only for managing your money but can easily be adapted to help you achieve your financial goals. See those goals on the right? You could easily make one of them “Earn $50 from a side hustle”. Then each time that you do that, you fill in one part of the picture on the left. Other possible goals include “Transfer $100 to my savings account”, “Pay off credit card in full this month” or “Meal plan for a week”. It’s such a great way to show how your goals are going that this is perfect if you’re aiming for multiple financial success! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: Boho Berry Report this ad 15. To plan out your entire week Now, this one isn’t only for money-related things either, but it was way too awesome for me to pass up. Planning out your entire week on one page is the height of organization – and you can definitely add any financial goals you have or things you need to track. But when it looks this good as well? Your bullet journal will be the coolest kid in town! Amazing!! These bullet journal layout ideas are just the inspiration I need when figuring out how to start a bullet journal! I especially love the simple, minimalist ones! These are perfect for giving me tips and tricks to save money and live on a budget using the budget trackers #bulletjournal #budget #savemoney #bullet #journal #bujo #tracker #personalfinance #finance #frugal #frugalliving #money #saving #organized #inspirationSource: Bumblebees and Lady Birds Do you have a bullet journal and, if so, does it help you manage your money?

Couponing 101 – Couponing Tips for Beginners

So you are a newbie to couponing? No worries, you have come to the right place, I will show you the basics you need to start couponing and give you tips and trick to use to maximize your savings. A Lot of people don’t bother with coupons because they think it is not worth the effort; well, would it be worth ½-1 hour a week to save half off on your groceries, personal needs and much more every week?

Couponing is a great way to save money, stay on budget, and save money on food. It's really easy to save money on groceries when using coupons. Read on to learn some tips & tricks that'll help you get the most out of couponing and saving money #couponing #savingmoney #groceriesbudget

Saving money with coupons

Coupons are a great way to keep your hard-earned money in your pocket. I’ll show how to get you on your way to save hundreds of dollars on groceries and products you use every day.  Your ultimate goal is to create a stockpile of products you need, when you can get them at the lowest possible price, and to purchase enough to last until the next “Great Deal”. Promotions and sales usually run in cycles of around six weeks. So the idea is to purchase enough at the lowest price possible to last about six weeks so you never have to pay full price because you are out and “need it now”.

Obviously, the first thing you need is coupons. The best place to start is the weekend paper. I suggest you start by purchasing at least two papers a week to maximize your saving. You might be thinking why two? Well, first you want to purchase enough of an item to last until the next sale cycle. Second, this also lets you take advantage of 2 For and BOGO sales.

Let’s say your favorite brand of cereal is regularly priced at $3.00 a box. It comes on sale for 2/$5.00 but only if you purchase two. So if you have two coupons for let’s say $1.00 off each, and you purchase 2 you are paying $3.00 for two or $1.50 each (which ends up to be half the regular price you would normally pay).

If you only have one coupon, you will either purchase one box for $3.00 less your $1.00 coupon which equals 2.00 a box. Or you can purchase two at the sale price and with the one $1.00 off coupon you are still paying 2.00 a box. The same goes for BOGO SALES. If you only have one coupon you are not maximizing your saving.

Is couponing worth the trouble?

You might be thinking “All this to save a few bucks”. Well in the cereal example, you would pay half of what you normally would, so if you apply this to as much of your purchases as you can, then you just cut your monthly household spending in half. This adds up to a significant amount of money every month. It could even help you fund your emergency savings, get out of debt or go on that dream vacation.

That’s not all….add in the store’s loyalty program rewards (such as Rite Aid Plenti Point or CVS Extra Care Buck, etc…), store coupons that you can stack with manufacturer’s coupons, and apps that pay you when you buy certain items or give you points just to snap pics of your receipts and you get  A WHOLE LOT OF SAVINGS. You don’t have to start big, let me give you an example of a small everyday trip to the drugstore I took today to see how much I saved.

                                      I purchased…

RA Shopping Trip 100315

                                    and look at what I paid…

cp trip

Look at what I purchased! If I had paid the regular retail price for the above items would have been $77.88.  I paid $29.44 OOP (out-of-pocket). That is 62.2% savings! That’s not all; I earned 1300 loyalty points worth $13.00 and $15.00 dollars added to my saving star balance. That is an additional $28.00 in saving; bringing the total for this trip to $1.44, which equals .12 cents an item!!!

Where to find coupons

Okay, so we have already established that you should buy at least two weekend papers. I just want to add here that buying the weekend paper for one week and not having a ton of sale/coupon matchups is not uncommon. You need to keep at it and build your coupon stash. You have to hang on to those coupons until the products come on sale to get the best deals.

There are many other places that you can get coupons. You can visit manufacturer websites and sign up for their program or newsletter and either print coupons instantly, or they will send you emails periodically when they have coupons available or send you free samples.

Some companies will reward you with a coupon if you “Like” them on Facebook.  The most popular way is to go to coupon websites,  select which coupons you want and print them on your home printer. Here is a list of the most popular coupon print sites.

Coupons.com

Red Plum

Smart Source

Hopster

Next, you need to organize your coupons so that you can find what you need when you need it. There are many ways to do this such as grouping your coupons by category and filing them in separate envelopes, using an accordion file or keeping them in a binder with clear pockets inserts.

I like to keep mine in a binder; I have separators by category so it is quick to locate what I am looking for. In my opinion, this is the easiest way because you can sit with your sale flier and binder side by side and flip through your binder to find the right coupons as you are flipping through the sale flier. Find a system what works for you and saves you time.

Now before going out to on your first couponing trip, you need to know your store’s couponing policies.   Below are links to some drug stores couponing policies. If you do not see the stores you frequent often, all you need to do is google “(name of store) coupon policy”.

Rite Aid Coupon Policy

CVS Coupon Policy

Walgreens Coupon Policy

Lastly, make sure you are signed up for store loyalty programs, if offered, at all the stores you shop at. Some stores only offer sale prices to members, so unless you sign up you will not get the sale price or loyalty rewards.

Now you are ready to start saving using coupons!!!

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