10 Interesting And Useful Bullet Journal Financial Log Ideas To Get A Handle On Your Money

Finances are one of the scariest, daunting, and tedious chores we could ever think of. If you don’t know how to control them, it can also become an area where you can feel stress and worry. The first time you sit down to get organized, it might take a while, but trust me, it is not as bad as it sounds. It will be as easy as a pie once you have cracked the system. Getting hold of your money and finances can help you in numerous ways. First of all, you will getting better at paying your debt and paying your bills. Paying off your bills on time will improve your credit score, leading to a host of fantastic perks.   By managing your budget, expenses, savings, bills, etc., you will have high chances to save up more for that fantastic 5-star vacation or your dream house. You will be more confident and happy than ever when you discover that you can afford and save much more than usual. Are you excited about learning how to get a handle on your money? Here comes the real question – How?  While numerous budgeting tools and online applications can help you get a hold of your finances, I would say the best way is by writing everything down using pen and paper.  Bullet Journal (BuJo for short) is an organizational tool that can help you find calm in the chaos. One of the best things about a bullet journal is that it is entirely customizable. You will be left with tiny-size bullets that can be used as a guide to track whatever you want. From writing down to-do lists, setting goals, and even tracking your finances, you can organize all in one place.   You can create numerous exciting and fun spreads for your specific financial tasks and goals. You can also add visuals that can most inspire you to reach your financial goals. For instance, if buying a house is your goal, you can color a brick of the house each time you save money for a down payment.  Scroll down to get to know more about Bullet Journal Financial Logs.

Bullet Journal Prompts To Get You Started With Finance Logs

Just like any part of bullet journaling, if you want to develop a financial system that suits you and your goals, you got to ask yourself a few difficult questions. Read on to find a few prompts that help you in getting started with financial logs.  Ohh, but before that, got get yourself a hot cup of coffee and a cozy blanket, grab your bullet journal and a pen. Remember to be honest about where you are at with your finances, and it is entirely okay to realize you are in immense amounts of debt or have bad spending habits. This is very important; unless you are willing to discover where you need to make changes, you may not improve your money or change anything.  Okay, now back to our analysis; below are a few prompts you might want to ask yourself – 
  1. What do you struggle most with while you are dealing with the money? These could be spending too much, not saving much, not sticking to a budget, using your credit card more than needed, etc.
  2. How do people I admire manage their financial goals? Here I meant the people whose financial management you admire the most.
  3. What are my financial goals?
  4. How to save money? List out the things you want to do with the saved money.
  5. What habits do I have to develop to achieve my financial goals?
  6. What are the habits I need to get rid of to achieve my financial goals?
After answering the above questions, you will probably figure what is up and where you need help with your finances. Then why late? Let dive into different Bullet Journal financial logs to inspire you right away.

Recommended Supplies To Set Up Your Bullet Journal Financial Spreads

Bullet Journal Financial Log Ideas To Get A Handle On Your Money

Below are some interesting, fun, and excellent bullet journal money spread layouts that can be very helpful in managing your finances. Did you know that a bullet journal budget tracker is still the highly recommended way to track your money goals, savings, and expenses even at this period filled with gadgets and apps? There is always magic and creativity in using a pen and paper; you will observe this when getting started with bullet journaling.  Please don’t become a slave to modern technology. I love the pen and paper approach when working with my finances because it allows me to exercise my artistry. When I am artsy, I am the most peaceful and happy person in the world. Your primary goal in creating a spread is to be more functional and active in writing about your financial goals, savings, expenses, budget tracking, bill tracking, etc. You can make use of a few unique symbols to represent events, tasks, and notes. Trust me; Bullet Journaling Money Tracking will gradually make your life easier, happier, and stress-free. 
  • Bullet Journal Expense Tracker

An expense tracker will help you see your spending habits and how you can improve them.
  • Bullet Journal Monthly Budget Tracker

Seeing where you plan to spend money and where you are paying is a great start to your budgeting journey, don’t you think so?
  • Bullet Journal Bill Tracker

Paying your bills in time is very beneficial in improving your credit card score, getting better loans. You will also sleep peacefully after knowing that you have got everything covered.
  • Bullet Journal Spending Tracker

A spending tracker can get very flexible depending on how you want to set it up. The primary things to include are a column to write food/ item purchased, the venue or the hotel where you have bought, the date, the cost, and what type of payment you used. 
  • Bullet Journal Subscriptions Tracker

How many subscriptions do you have to pay every month? I always forget them. So, it is always a great idea to have a subscriptions tracker in your bullet journal.
  • Bullet Journal Savings Tracker

Shading a portion of the object each time you put money in your savings account is quite satisfying and relaxing.
  • Bullet Journal Debt Tracker

Being in debt has become a reality nowadays with credit cards and mortgages. You have to be very particular in paying them off in time. So, a debt tracker is a beneficial and crucial spread you need to have in your bullet journal.
  • Monthly Finances Overview

Written by: Sowmya Cherukuri

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