I know that most people start the new year with lots of goals and resolutions. Not me. It wasn’t that I wasn’t thinking about them because I have been since September. Continue reading “Make your own Planner Trackers 2020: Social Media, Wellness, & Reading”
I’ve mentioned this in my Monthly Budget Blog. I’m not a financial expert. I’m not even a financial amateur. I’m whatever comes before financial amateur – financial newbie? My budget journey to get my finances under control is fairly recent. Actually, to be perfectly honest, it’s still in its infancy as I started a couple of months ago (January 2019).
In this journey, each step has been overwhelming and stressful. I’ve done a lot of research online, via Pinterest, and YouTube and perhaps that has been part of the problem. Information overload can make a confusing situation even worse. But in the few short months, I’ve picked up a few tidbits of knowledge that I thought I would share. By no means am I an financial expert and will never give you any financial advice. But I’m hoping that the bumps I’ve encountered will help you in your own journey. Continue reading “What are Sinking Funds? + Free Printable”
I’m not a financial expert. I’m not even a financial amateur. I’m whatever comes before financial amateur – financial newbie? My budget journey to get my finances under control is fairly recent. Actually, to be perfectly honest, it’s still in its infancy as I started a couple of months ago (January 2019).
So far, I’ve found it to be overwhelming, stressful, and frustrating. Of course, I’ve never taken a class or met with a consultant or financial planner. All my efforts to take my finances in hand comes from research I’ve done online (predominately YouTube and Blogs via Pinterest.
I’ve always paid my bills on time so I’m fortunate in that respect. I know that there are lots of people who struggle with that aspect because of limited funds, resources, unexpected expenses, etc. But since my debt is so large, I didn’t think I’d ever make a dent and therefore just paid my minimums.
I don’t think debt is inevitable. Unlike many, I’m okay with having debt. But between my credit card bills and my student loans, we’re talking six figures worth of debt. The longer I thought about it, the more anxiety it gave me.
In January 2019 I decided to start my budgeting journey. And to make it extra stressful, I also decided to document my journey on YouTube. I thought it would be easy since I don’t budget the way that most people do since I didn’t have a lot of money to throw towards debt, savings, sinking funds, etc.. Be that naivete or arrogance, I’m not sure. Quickly I realized that I would need to have a more structured budget. That’s where my problems and anxiety really went into overdrive.
In early March 2019, I really, really struggled with this. I think part of the problem was information overload. I follow quite a few people on YouTube who do budgeting videos and I was trying to emulate their styles and methods. Tried to remember how THEY did things and then tried to make MY numbers fit. There was even a video that I posted where I had a bit of a breakdown (a bad combination of being tired, frustrated, and overwhelmed). Fortunately, 1) I really want to get my finances in order and 2) I had such overwhelming support and encouragement from the YouTube community.
YouTube ‘Meltdown’ video:
The entire process of how to make my budget work for me has been constantly on my mind. I know that a budget is a living thing and does/can change as things come up. But I also think that having some kind of structure is important if just to have SOMETHING to work off of from month to month.
For March, I’ve done my monthly budget kind of late because I was still figuring things out. But going forward, I see how I can set it up for the new month and then work on it periodically throughout the month so that it’s worked real time. Check out my video on how I set up (and will be setting up) my Monthly budgets.
YouTube Monthly Budget Video:
Free Monthly Budget Printable
Because it was SUCH a trial for me, I’ve also included a Free PDF printable template of how I’m setting up my monthly budget. It’s simple and straightforward and for now, I think is exactly what I need but this could change and I’m okay with that. It’s not pretty or decorative and that’s okay for me. Being a Happy Planner, I have tons of stickers to do that but I just really needed to make something that was functional.
Having done some test print runs, I think if you print this at 85%, you could cut off the excess and this would fit a classic Happy Planner (printing at 100% would fit the Big Happy Planner). Printing this at 70% should fit your Happy Planner Mini but in any case, you’ll definitely want to test this out.
Hopefully, this will be helpful to you and you won’t go through as much stress as I did. I’m new to all this: Budgeting, blogging, and YouTube so this whole thing has been new and scary and exciting. I hope you decide to join me on this journey!
I’m starting 2019 in a very different mindset than I’ve ever had before. I’ve never been one to set New Year resolutions or goals that I wanted to achieve. I’ve always thought that hard-work and perseverance is all I need and when it comes down to it, I can accomplish what needs to get done. I feel that I’m creative and ambitious and yet if I’m perfectly honest, a procrastinator and prone to fits of laziness.
But as I’ve started my Happy Planning Journey (October 2018) and as I’ve been on an Etsy Journey (November 2017), I’ve come to realize that without a few key pieces, the old adage of ” A dream without a plan is just a wish” is truly an accurate statement.
For 2019, I had thought I’d do like I’ve seen many others do and do a separate vision and goal board as well as One Little Word. Yet, as I sat down at the end of 2018 and thought about these things, they all seemed to be intertwined. My vision sets the tone for my goal; my goals set the tone for my word; and my word helps me bring my vision and goals to life. Perhaps its just the way my mind works – I don’t think that something like this is a one-size fits all type of thing.
Check out my YouTube video as I go through my thought process on how I created my quarterly “A vision, A goal, a word” board that I will utilizing to keep my on track. And FOCUSED. That’s my word – it might be my word all year but that’s my One Little Word. And because I plan to review this both monthly and quarterly, I think I can set up small wins for myself that will truly make this my plan to achieve.