At the start of each year, my first purchase is always a new planner. I am obsessed. I honestly can’t remember the last time I went without having one in my bag, on my phone, or hanging on the wall. Most times I have all three. I am the planner Queen, mogul of all things month and date, Czar of the calendars. There is never a moment when I don’t have the image of my meticulously planned out month in my head.
Am I Type A?
NAH, I’M FINE.
One way I utilize my planner to the fullest is to use it for my bills and budgeting.
If you use a different system or not one at all, you may be wondering how that works.
Well, in the world of a twenty-something year old, paying things on time comes as a top priority. With the cost of rent/mortgages rising and student loans getting (hopefully) smaller, I need to stay on top of things to reach my oh-so lofty goals.
The start of my year always starts with pouring through copious stacks of year/month/day trackers. I find myself on all kinds of websites and in all sorts of stores looking for the perfect one. It can’t be too flimsy because that sucker has to stick with me all year long. This little soldier has to be durable enough to survive my over sized purse and all the monstrosities inside it. And it has to have every single feature I need, or it is worthless to me.
My favorite features in a planner are the ones with full charted months, the week breakdown, and enough room for me to jot down daily goals as well. Micro-to-the-manage.
After I have found the perfect one, I do my best to plan a month in advance, this way, I have a reasonable expectation of what is going to happen to my bank account.
I will start with writing down the due dates of each bill I have that HAS to be paid on time. Things like car payments (which I don’t usually have but right now I do because LIFE), electricity, mortgage, and other life bills. These are the non-negotiable things and part of having a pulse.
The next part of the puzzle is to underline the days I can be expecting an income from my 8–5 job. I get paid every other week, so it is nice to know I’ll have money coming in on those days, but it also means I have to plan my bills around when I get paid because there will be a week in between without more income.
Once I have my paydays underlined, I match up the corresponding bills that go with that week’s pay. So if I am getting paid on the 1st and I have dues on the 1st, 5th, and 7th, I am going to pay all three of those bills on the 1st, when my paycheck comes in. This way, whatever money I have leftover can be spent on other parts of my budget like necessities, entertainment, and any other foreseen (or *EEKKK* unforeseen) expenses.
These are just half of the reasons to own a yearly planner, but that is all I will get into now. For the time being, happy budgeting, friends!