Budgeting Sidekick Journal Series (Volumes 1 & 2) (2024)

Great budgeting resource, simple, but effective.

I have been more than pleased with my first purchase from Habit Nest. I have always struggled with finances because I have short-term memory loss. That and a couple of other disabilities have made trying to maintain budgeting for a family of five near impossible. I have tried many courses over the years.

I wish I could put all of the positive things about this journal into a review but it would take too long.
When I have the opportunity I am purchasing a set for both of my adult daughters. And I have a few friends in mind that would greatly benefit from these journals.

I would strongly recommend this system to anybody who struggles with any form of disability that makes budgeting complicated. I've had a number of courses recommended to me that very simply were more than my brain with some of the processing issues I have, could process.

This system has completely been transforming and very thankful for the gifts given and shared.

And I really do believe for the first time in 22 years of marriage I should have the ability to work and stay on top of a budget or work toward keeping a budget.

A few things I really like, I do not do well with online, so we purchased the physical hardbound copies. I really love the quality of the materials including the hard cover that I'm not worried about getting damaged so easily and the quality of the paper. I hope they do not change that.

I also really like the simple steps that they instruct us with and what to do as well as the advice given.
The journal is very thorough in explaining things for different personality types. They also answered one question that has always caused me trouble with budgeting -- how to budget a monthly budget when we get paid every two weeks. They explained how to do that. That is the first time anybody in any Financial course has explained how to work with that. So thank you.

Overall I think this is an excellent tool that can be used by just about anyone.

The only feedback that I would have wished for a change were two things, one is just a personal thing. I was surprised that within the monthly list there was no set list for giving or charity. I think in lieu of our worldview situation where right now we and the world are so connected globally, I think giving to people more in need than ourselves is something that should be encouraged. I would have liked to see that as one of the list items in the book, like bills and insurance. But there were blank sections so I could add it in.

The only other thing is that I would have preferred one or two pages per month to list the bills for that month, as with my family of five I just simply needed more space. I solved that by just taking another piece of paper and writing the list of bills and then tallying them up and adding them into the spot for bills. There is a place at the beginning of the journal for that kind of breakdown, but I would have preferred maybe at least one full page designated per month to listing the bills for that month. I would think one person income there would be plenty of space but we have the equivalent of a full page of bills.

I am very thankful to the people that put this together. And I sincerely hope that this company does exceedingly well. Their advice throughout the book is incredibly helpful for people learning how to build habits and in this particular book for those trying to learn how to manage a budget.

I would also emphasize using these journals for artistic souls. I am very right brained, a musician. I struggle with left brain practical skills. I would recommend this budgeting journal for any of my artist friends and will recommend this for anybody right brained that struggles to keep a checkbook.

I think this is a very simple method that can be used by those who tend toward creativity and are not so good at managing a checkbook.

Wishing Habit Nest the very best.

Thank you for all of your time and effort in the research put into this journal. I will be a continual purchaser, "Lord willing and the creek don't rise!"
😊 Thank you!

Budgeting Sidekick Journal Series (Volumes 1 & 2) (2024)

FAQs

Are budget planners worth it? ›

The monthly goals and planning is very helpful to get you into better habits and know where you're spending your money. And you can't go wrong with a lo-cost option that has debt payment sheets, that's what a lot of people need to add to their budget!

What is the best budget book? ›

  • The Everything Budgeting Book: Practical Advice for Spending Less, Saving More, and Having More Money for the Things you Really Want Tere Stouffer.
  • Budget Bytes: Over 100 Easy, Delicious Recipes to Slash Your Grocery Bill in Half Beth Moncel.
  • 365 Ways to Live Cheap: Your Everyday Guide to Saving Money Trent Hamm.

What is the best financial binder? ›

1. SKYDUE Budget Binder. The SKYDUE Budget Binder is our top pick for 2024.

What is the 70/20/10 rule money? ›

The 70-20-10 budget formula divides your after-tax income into three buckets: 70% for living expenses, 20% for savings and debt, and 10% for additional savings and donations. By allocating your available income into these three distinct categories, you can better manage your money on a daily basis.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings.

How do I stop living paycheck to paycheck? ›

Remember your why.
  1. Get on a budget. First things first. ...
  2. Take care of your Four Walls first. When you first set up your budget, you write down your income. ...
  3. Cut extra expenses. ...
  4. Start an emergency fund. ...
  5. Ditch debt. ...
  6. Increase your income. ...
  7. Live below your means. ...
  8. Save up for big purchases.

What is the best budget for beginners? ›

While there are many different budgeting philosophies, the 50/30/20 rule is popular because of its practicality, flexibility, and effectiveness. According to this rule, budgeting is divvied up like so: 50% of your income goes toward needs. 30% of your income goes toward wants.

Are budget binders worth it? ›

Budget binders are a good idea because they allow you to keep all your information in one place and help you to set and work towards your financial goals. Writing the information by hand might give you a greater knowledge of your financial situation.

What is the number 1 rule of finance? ›

Rule 1: Never Lose Money

This might seem like a no-brainer because what investor sets out with the intention of losing their hard-earned cash? But, in fact, events can transpire that can cause an investor to forget this rule.

What is the best free app for budgeting? ›

The 10 best budgeting apps for 2024
  • YNAB.
  • Monarch Money.
  • Buddy.
  • Zeta.
  • Wally.
  • PocketGuard.
  • EveryDollar.
  • Oportun.
Feb 23, 2024

What is the number one rule of money management? ›

1. Spend less than you make. This may seem obvious, and boring, but spending less than you make is by far the biggest key to financial success. If you struggle with spending, focus on this one rule until you're at a point where you have positive cash flow at the end of the month.

What is the 60 20 20 rule? ›

If you have a large amount of debt that you need to pay off, you can modify your percentage-based budget and follow the 60/20/20 rule. Put 60% of your income towards your needs (including debts), 20% towards your wants, and 20% towards your savings.

What are the first 5 things you should list in a budget? ›

The essential budget categories
  • Housing (25-35 percent) Amount per month: $891 to $1,247. ...
  • Transportation (10-15 percent) Amount per month: $356 to $535. ...
  • Food (10-15 percent) ...
  • Utilities (5-10 percent) ...
  • Insurance (10-25 percent) ...
  • Medical & Healthcare (5-10 percent) ...
  • Saving, Investing, & Debt Payments (10-20 percent)
Feb 23, 2024

What is the 30 day rule in budgeting? ›

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

What is the disadvantage of having a budget plan? ›

Disadvantages of budgeting

a budget could be inflexible, and not allow for unexpected circ*mstances. creating and monitoring a budget can be time consuming. budgeting could create competition and conflict between teams or departments. if targets are unrealistic, employees could become stressed and under pressure.

Do financial planners help with budgeting? ›

A financial advisor can assist with almost any aspect of a person's financial life, including budgeting. Financial advisors provide an array of services, ranging from investment management to estate planning.

What is the difference between a financial planner and a budget planner? ›

Long-term vs.

With a financial plan, you typically track your progress on a quarterly or semi-annual basis. With a budget, you record your income and expenses on a weekly or monthly basis. Generally, the closer you stick to your budget, the more progress you will make on your financial plan.

What is the budget planner rule? ›

Try the 50/30/20 rule as a simple budgeting framework. Allow up to 50% of your income for needs, including debt minimums. Leave 30% of your income for wants. Commit 20% of your income to savings and debt repayment beyond minimums.

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