There are so many choices when it comes to how you plan for and track your budget and personal finances. Digital tools, paper planners, keeping everything in your head (please don’t do this). A friend of mine has started following people on YouTube who make budgets look like scrapbooks! Whatever you can dream of, there’s a tool for budgeting and financial tracking to make it a reality.
At the end of the day, my recommendation as a financial advisor is to have a plan...any kind of plan. The key is to make sure it works for you. After all, if you don’t jive with the system you’re using, you’ll struggle, get defeated, and give up. That is the last thing I want you to do with your finances.
To that point, I learned that my people are not Excel people, so even though I would guide them through the process on the phone, they wouldn’t use the system to plan their finances on their own. What good is that! Further, they’d get incredibly frustrated with Excel. As they say, different strokes for different folks.
I created the Personal Financial Planner to ease frustration and give them a financial planning tool they’d actually use. It’s a simple financial planning tool with all the information they need in a format they will use.
The inspiration for this financial planner is straightforward. And incredibly simple. All you have to do is print out the pages, pop them into a binder, and take pen to paper. See, so easy!
The reality is that you have a few spare minutes to think about your finances. With everything in one place, you can create budgets, update income and expense logs, and track bills and debt repayment plans whenever you have the time to open up the binder to the page you need and jot down numbers. Like, when your kid is napping, and you don’t want to (or can’t) sit at your computer, pull up the programs, wait for the files to load...you get the idea.
Now that my people have a system in place that works for them, they can take care of weekly finances and have a quick snapshot of where their annual budget stands in a matter of a few minutes. It really doesn’t have to be complicated.
As a mom, there’s little time to fiddle around with a system that is complicated and not easy to use. It’s even worse when you have to bootstrap your own system out of bits and pieces that you like from other sources.
This planner is designed to be easy for a mom. In other words, it is simple and comprehensive! You’ll find every sheet, log, and tracker you could need to have a clear picture of your personal finances.
Inside the Personal Financial Planner , you’ll find:
My favorite part of the Personal Financial Planner is the savings trackers. I get a kick out of watching my savings grow each month. There are different kinds of savings trackers included, too, so you can easily track different savings goals (vacation, gifts, etc.) and get a visual expression of where you are in relation to completing your goal.
I really want you to be able to create a personal financial planning system that works for you. I’ve found that this system is streamlined, all-inclusive, and easy to use. Having something physical that you can hold and mark up makes your budget seem more tangible. It also helps ease the anxiety around money and finances because it’s simple.
The Personal Financial Planner for Moms is available for you right here. It’s undated, so you can start using it any time (like right now!) It doesn’t matter how or when you start tracking your finances. What matters is you’re keeping track of your money in a way that feels good to you and that you're progressing toward your goals.
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