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SMART BUDGET PLAN • SAVE • ACHIEVE Income Spending Savings Goals A calmer way to manage your money. Track your income, expenses, savings & goals in one beautiful monthly system. MONTH: ____________________ YEAR: __________ Cherry & Co. •Smart Budget Planner • 1/12 Cherry & co planner
MONTHLY MONEY DASHBOARD Your money, organized at a glance Month: ____________________ Year: __________ Total Income FIXED EXPENSES Total Expenses Total Savings VARIABLE EXPENSES Money Left SAVINGS GOAL ________________ ________________ ________________ SPENDING BY CATEGORY Food & Groceries Shopping Dining Out Other ________ Cherry & Co. ________ •Smart Budget Planner • 2/12 ________ ________
INCOME TRACKER Record every income source. Source Planned Actual Notes TOTAL Freelance Side Income Other Income Salary / Wages Business Income Cherry & Co. •Smart Budget Planner • 3/12
FIXED EXPENSES Your regular monthly commitments. Category Budget Actual Difference Other Utilities TOTAL Insurance Installments Subscriptions Transportation Rent / Housing Internet & Phone Cherry & Co. •Smart Budget Planner • 4/12
VARIABLE EXPENSES Flexible spending that changes month to month. Category Budget Actual Difference Other Health TOTAL Shopping Education Dining Out Entertainment Food & Groceries Beauty & Self-Care Cherry & Co. •Smart Budget Planner • 5/12
BUDGET VS ACTUAL See where your money is on track. Category Budget Actual Difference Status Bills Food Other TOTAL Housing Self-Care Shopping Transport Entertainment Cherry & Co. •Smart Budget Planner • 6/12
SAVINGS GOALS Give every goal a number and a next step Emergency Fund Travel Big Purchase Target: __________ Saved: __________ Cherry & Co. Target: __________ Saved: __________ •Smart Budget Planner • 7/12 Target: __________ Saved: __________ Goal Target Saved Remaining Progress Target Date WHY THIS GOAL MATTERS
DEBT TRACKER Keep balances and payments visible. Debt Starting Balance Paid Remaining Payment Due Cherry & Co. •Smart Budget Planner • 8/12
BILL TRACKER Never lose track of a due date. Bill Due Date Amount Status Paid On Other Water Phone TOTAL Internet Electricity Insurance Rent / Housing Cherry & Co. •Smart Budget Planner • 9/12
MONTHLY CALENDAR Mark payday, bills, payments and savings days Month: __________________________ SUN MON TUE Cherry & Co. WED •Smart Budget Planner THU • 10/12 FRI SAT MONTHLY MONEY NOTES
SUBSCRIPTION TRACKER Review recurring payments and keep only what serves you. Subscription Category Monthly Cost Renewal Keep? Cherry & Co. •Smart Budget Planner • 11/12
MONTHLY REVIEW + YEARLY OVERVIEW Reflect, reset and look at the bigger picture MONTHLY REVIEW What went well? What can I improve? My financial focus next month: Income: __________ Expenses: __________ Savings: __________ Month Income Expenses Savings Savings Rate Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Cherry & Co. •Smart Budget Planner • 12/12 YEAR TOTALS