Friday, December 30, 2016

2017 Resolutions: My Budget Binder


As with tomorrow being NYE, I felt now was a good time to introduce my Budget Binder as a way to keep financial resolutions more easily achievable. As many of you know, I have a habit of being a little disorganized (hence the occasional irregular breaks between posts). The ringing in of 2017 has thus brought with it new attempts at resolutions that I feel are more obtainable for me- #1 being organization- and hopefully for you as well!

I first started by finding a binder that would be large enough to fit pouches, envelopes, and who-knows-how-many pages (the dollar store provided a few choices).

Next, I devoted a large portion of my life to designing covers for my Income, Spending, Student Loans, and Savings sections, filler pages for each, and cloning the filler pages into every major color on this planet. After that, I was so sick of looking at the graphics that I put it away for a week. :) When I felt ready to open it again, I filled the inner side of the binder with coupons and an accompanying label so that they would be easily accessible.

I knew I would need some sort of envelope or pouch to hold receipts and other miscellaneous things relating to the budget, and I found quite stylish 2 pocket pouches at Office Depot for under a dollar. I stocked up with 12 or more i.c.of e.

Staying on track with monthly deadlines and bi-monthly paydates requires a calendar, so I searched on Google to find a printable 2017 calendar as well as ones for each month. By highlighting days requiring some sort of financial action, I can see exactly what to do and when to do it.

With Christmas being right around the corner at the time, I also created a page for holidays that allows me to document who I need to buy for, how much to spend, and what I buy/how much it is. These include Christmas (as mentioned), Valentine's Day, and Birthdays.

It was a lot of work, circles, and cloning, but eventually it all came together! Now I just have to motivate myself to keep up with it. ;)

Below you will (hopefully) find a link to the Budget Binder inserts, which are free to download, print, and share (crediting is always nice though :) ). The colors are interchangeable, so you can switch out colors every month, match the filler pages to the cover pages, etc. Throughout the year, I might see a need to add a page currently not in there, so stay tuned!

As always,
Keep swimming and HNY! (Happy New Year)


Friday, December 23, 2016

Dreaming of a White Christmas



I can't believe there are only 2 more days until Christmas!

As the age-old cliché goes, "my, how the time flies!". It seems surreal to think that fall was only last month, and summer was only a few months before that; realizing that the new year begins in just a couple weeks is even more incredible. 2016 has been full of surprises, that much is certain. Dreams have been brought to reality, goals have been accomplished, and life has had more purpose than perhaps it ever has. Of course there have been briars and brambles that pull me back by the sweater, roots that suddenly appear out of nowhere and trip me by the boot, but with each challenge there has been a solution, a hand that grasps mine and pulls me back to my feet. There has been a support system and a foundation to build on. A cat whose purr is never inconsistent. And of course, there has been Hulu. Lattes. Cinnamon-flavored Scentsy bars. Pandora. Sunsets. Snapshots of good times. Little things that make the world of difference and brighten a somewhat soggy day. And 2017 will bring more little things. Things that will make life nothing if not more magical. :)

Merry Christmas, Beaus and Belles!

Navy Coat: Zulily | Pink Head Wrap: Forever 21| Striped Tee: Gifted | Pink Bow Skirt: Romwe | Lace-Up Fur Boots: Rue 21 | Leather Gloves: Old Navy