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You know what you owe, but not how you’ll pay for it.īut when you narrow down the scope of your budget and create an immediate bill pay checklist you can more easily cover those expenses. Running out of money before you’ve budgeted out the entire month can make you feel like a failure before you’ve even got started. Plus, only focusing on your pay period gives you the option to funnel any extra cash into a savings goal. But by breaking your month down and seeing where the bills fall in relation to your paydays you’re able to plan accordingly. It’s easy to give up on budgeting when you have more month than money. You’ll see at a glance what bills and expenses you have to pay before you get paid again. Using a calendar to plot your bills can help you get laser-focused on what your current money needs to do. If you’re living paycheck to paycheck, using a bill calendar is a great way to break that cycle. Prism and Chronicle are both good options if you prefer a dedicated bill payment organizer app.
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If you don’t want to mix your bills in with your other calendar items you can use a dedicated bill payment app. You can use reminders to alert you when it’s time to pay your bills so you never get another late fee or let you know before subscriptions renew so you don’t get surprised by the charge. Using a digital calendar for monthly bill payment tracking has the added benefit of letting you add reminders. Creating a bill payment calendar on a digital calendar is the same as with a printed one.
Best expense tracker calendar free#
If you prefer a digital solution, you can use any calendar app to organize your bills ( Google Calendar is a good free online calendar option). Most budgeting apps operate on a monthly basis, but they may not have a traditional monthly calendar view.īeing able to view your upcoming income and expenses at a glance is what makes using a monthly calendar helpful. If you’re a pen and paper kind of person the best way to get started is to print off a blank monthly calendar. Depending on your preferences you can either use a printed calendar or a digital one to track your bills.
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To get started you’ll want to choose your calendar first. It isn’t complicated, but having everything plotted out so you can see things at a glance gives you a new awareness of your finances.
Best expense tracker calendar how to#
How to Make a Monthly Bill CalendarĬreating a bill calendar is a Simple process. Money that we could put towards emergency and sinking funds. Instead of having more month than money, we started to notice we had excess beyond our bills and everyday expenses. Not only could I pay the bills, but I could also focus on our savings goals. His approach was to focus on the expenses you have to cover until you get paid again instead of trying to forecast out the whole month.īy only looking at my immediate obligations, I was able to feel more in control of my finances. Several failed attempts later I heard the founder of YNAB teaching to budget only the money you have, not the money you expect to get. The initial excitement quickly faded into frustration and defeat after I realized we didn’t have the money to cover our monthly bills.