jennyjournals bullet journal finance tracker
Bullet Journal,  Featured

Managing Money In A Bullet Journal

While managing finances isn’t a huge issue for me, I do need to track when and where I pay the bills and how much money I have saved up. My daughter is disabled and when her father passed away two years ago, she began receiving his social security benefits, so I have to track her money also.  You’ll see my basic bill tracker below in a photo.

If you struggle to get a handle on your finances, then a bullet journal is an excellent option! This type of journaling system keeps all of your finances in one journal, where you can track everything from bill paying and money coming in, to looking at your spending habits and learning how to save more money.

I’m trying to get my boyfriend to start writing it down when he pays his bills because he’s such a scatterbrain that he sometimes doesn’t remember when or if he paid something. 


Include Your General Finance Information

You can start the financial part of your bullet journal by including some general information about your finances. Have this page be dedicated to the current state of your financial situation, what is in your bank and savings accounts, and just a brief summary of where you want to go from here.

List some of your major debts and expenses, how much you earn and how often, and how much you are trying to save.

You can see in my bill payment tracker that it’s just a list of the months, and a list of the bills I know have to be paid. I try to pay once per month because it’s much simpler to do. But, even if I paid throughout the month, writing it down would be even more important. 


Track Every Cent You Spend

You could use a page just like a check register. Remember those? I haven’t used checks in about 5 years.

Your finance section should also have an area where you can track your spending on a daily basis. This is necessary so you know where your money goes and in what areas you might be able to cut back.

Perhaps you find that you spend a good portion of your extra money on clothes, or going out for happy hour is costing a little too much. Just tracking what you spend and on what can make a drastic difference.


Create a Savings Plan

Part of tracking your finances in the bullet journal can be to start a savings plan. This might include saving for specific things, such as your child’s college fund, buying a new car, or starting a business. You can also have open-ended savings plans, such as wanting to save money for a 10-year plan you have in mind, or just saving for your retirement.

 It helps to first list your main expenses and what you currently spend for a while so you can see exactly what the leftover money will be for your savings plan.

I’m not all fancy like that. I started out with a page dedicated to savings and have since moved it to be on my monthly planner.

I currently have two accounts for saving. One is for our Disney trip this summer and one is for my mother’s end of life expenses. That’s a long story that I’ll share someday.

But, suffice it to say that I’m just saving up the cash in an envelope in the safe. It’s at work, so I’m not tempted to use that money for anything and it’s a pain to get to it. I update the vacation money every week with my paycheck and mom’s fund gets updated monthly when she gives me the cash to add to it.


Separate Business and Personal Finances

If you run a business, make sure you are keeping your business and personal finances separate. This helps you to determine what money is spent on your personal situation and business responsibilities but also helps to reduce combining work and personal stress.

Having separate bank accounts and separate funds for them is also highly recommended. When I started my clothing boutique in March, I initially used a few pages in my main bullet journal, but have since stopped using it and moved to a dedicated notebook for business. 


It’s always a good idea to leave a few extra pages following the financial section of your bullet journal just in case you decide to add more later on.

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