Using a Bullet Journal to Stay on Top of Your Finances

Using a Bullet Journal to Stay On Top of Finances

A bullet journal is an excellent source for organizing and keeping track of your finances. With a bullet journal you can monitor your income, expenses and spending habits, set up a bill paying system, create a savings plan, and keep track of your debt reduction efforts. This type of journaling system keeps all of your finances in one journal.

I include the financial planning pages for each month with my monthly calendars. That’s my personal preference. You could, however, dedicate a section of your journal solely to your financial planning pages rather than include them in your monthly pages. As always, do whatever works best for you.

Record Your Income and Expenses in Your Bullet Journal

You can start the financial part of your bullet journal by creating an income and expenses spread where you can record your monthly income and your monthly bills. It’s like setting up your budget sheet. Create a section to record your monthly income. Below that, list all of your monthly expenses including your bills and their dues dates.

Erin from Petite Planner has a nice, simple spreadUsing a Bullet Journal to Stay on Top of Your Finances www.adailymiscellany.comCraftyenginerd has a more detailed tracker for her billsUsing a Bullet Journal to Stay on Top of Your Finances

Track Every Cent You Spend With Your Bullet Journal

Your finance section should also have an area where you can track your spending on a daily basis. This is necessary so you know where your money goes and in what areas you might be able to cut back. Perhaps you find that you spend a good portion of your extra money on Starbucks or dining out and they are costing you too much. By tracking what and where you are spending your money, you can begin to get a handle on your spending and start making changes.

Natalie’s Expense Tracker from pages2plans is detailed and appears to track everything in her bank account.Using a Bullet Journal to Stay on Top of Your Finances www.adailymiscellany.comOr, you can just simply list the expenses you want to keep track of like the expense tracker featured on Her Campus belowUsing a Bullet Journal to Stay on Top of Your Finances

Create a Savings Plan With Your Bullet Journal

Part of tracking your finances in the bullet journal can be to start a savings plan. This might include saving for specific things, such as your child’s college fund, buying a new car, or perhaps new furniture. You can also have open-ended savings plans, such as wanting to save money for a 10-year plan you have in mind, or just saving for your retirement.  It helps to first list your main expenses and what you currently spend for a while so you can see exactly what the leftover money will be for your savings plan. It can be simple like Suzi’s from

Using a Bullet Journal to Stay on Top of Your Finances

Or, you could do something cute and fun, like this one for sale in the Dallingtons Etsy shop for $1.99
Using a Bullet Journal to Stay on Top of Your Finances

Keep Track of Your Debt Reduction Efforts

Whether it’s a little bit of debt or a lot of debt, it’s always encouraging to have a visual of your debt reduction efforts. I really like the Debt Snowball Tacker from Debt Free Panda. It’s simple but powerful.Using a Bullet Journal to Stay on Top of Your Finances

Separate Business and Personal Finances

If you run a business, make sure you are keeping your business and personal finances separate. This helps you to differentiate what is spent on your personal lifestyle and what money goes towards your business responsibilities but also helps to reduce combining work and personal stress. Having separate bank accounts and separate funds for them is also highly recommended.

Consider leaving a few extra pages following the financial section of your bullet journal just in case you decide to add different spreads later on.

As with everything, you need to actually use it and be consistent in using it to make it work for you. But if you do, the benefits and possible money saved will be your reward for the extra effort you need to make in keeping track of your finances in your BUJO.

For more bullet journal inspiration, please check out my other posts and get busy creating!

39 of the Most Recommended Bullet Journal Supplies
The Anatomy of a Bullet Journal
The 4 Main Styles of Bullet Journaling Explained
Schedule Your Time Efficiently With a Bullet Journal
Using a Bullet Journal for Short-Term and Long-Term Goals
Boost Your Productivity With a Bullet Journal
13 Reasons You Should Start a Bullet Journal Today

There can be only one,

Melissa (BUJO lovin’) Shantel

Melissa Shantel

Using a Bullet Journal to Stay on Top of Your Finances

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