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 digital budget planner? ›

Best Budgeting Apps Of May 2024
  • YNAB (You Need A Budget): Best for Setting Goals.
  • Empower Personal Dashboard™: Best for Tracking Net Worth.
  • Goodbudget: Best for Envelope Budgeting.
  • Oportun (formerly Digit): Best for Passive Saving.
  • Monarch Money: Best for Replacing Mint.
  • PocketGuard: Best for Tracking Spending.
May 1, 2024

How to make a good budget? ›

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. Track and manage your budget through regular check-ins.

How do you make a budget diary? ›

For example, if you get paid weekly, set up a weekly budget.
  1. Record your income. Record how much money is coming in and when. ...
  2. Add up your expenses. Regular expenses are your 'needs' - the essential items you need to pay for to live. ...
  3. Set your spending limit. ...
  4. Set your savings goal. ...
  5. Adjust your budget. ...
  6. Make budgeting easier.

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. The savings category also includes money you will need to realize your future goals.

What is the 60 20 20 budget? ›

Put 60% of your income towards your needs (including debts), 20% towards your wants, and 20% towards your savings.

What is the best budgeting app for beginners? ›

Six of the Best Budgeting Apps
  • Best Overall: You Need a Budget. ...
  • Best for Beginners: Simplifi and Tiller. ...
  • Best App for Investors: Empower. ...
  • Best for Debt Management: PocketGuard. ...
  • Best App for Couples: Honeydue. ...
  • Best for You and Your Financial Adviser: Monarch.
Jan 31, 2024

Why is Mint shutting down? ›

In less than two weeks, the budgeting app Mint — which once had 3.6 million active users, including me — will shut down forever. According to its parent company, Intuit, Mint wasn't making enough money, so Intuit began the app's closure in January.

Do people still buy digital planners? ›

Over the last couple of decades, many have increasingly turned to digital planners and calendars rather than paper ones to keep their personal and professional schedules on track. But that doesn't mean the two need to be mutually exclusive.

What are 6 common budget mistakes you can t afford to make? ›

Neglecting Long-Term Goals: Focusing solely on short-term financial goals while neglecting long-term objectives is a common mistake. Whether it's saving for retirement, a home, or education, incorporating long-term goals into your budget is essential for building financial security.

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 your biggest wealth building tool? ›

“Your most powerful wealth-building tool is your income. And when you spend your whole life sending loan payments to banks and credit card companies, you end up with less money to save and invest for your future.

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.

How to start a budgeting journal? ›

How to Create a Budgeting Journal in 6 Easy Steps
  1. 1) Formatting your budgeting journal. ...
  2. 2) Know your income. ...
  3. 3) What are your fixed expenses. ...
  4. 4) Split up the money that is left, or set some aside. ...
  5. 5) Track your purchases. ...
  6. 6) Total your money spent and see how much money you saved!
Jul 5, 2023

Is there a completely free budget app? ›

Wally took a spot on our list for giving users the opportunity to create a free budget and have access to progress trackers as they work toward hitting their financial goals. Users can also sync their accounts with other members of their households to give everyone an overview of their spending habits and 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.

Does a budget planner help? ›

Budget planners not only track expenses but also promote healthy saving habits. By setting aside a portion of your income for savings each month, you create a foundation for building wealth and securing your future. Over time, these small contributions can grow into a substantial nest egg.

Is an expensive planner worth it? ›

Your planner helps you get more done each day, and you feel less stressed. It even saves you money because you never waste money on late fees, and you use it to track your budget. If you spend a $100 on a yearly planner, that comes out to 28 cents a day. To me that's more than worth it!

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.

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