Bullet Journal Financial Planning ~ 12 Ideas to Save Money & Payoff Debt

I just purchased my very first bullet journal and I am oh so excited! It was a birthday gift to myself and thankfully for Amazon Prime, it even showed up ON my birthday! I’m literally can’t wait to get started with my bullet journal. I’m visual, love having a creative outlet and as an accountant turned SAHM, actually enjoy tracking of our family finances! Bullet journal financial planning is a super fun way to keep track of monthly expenses and help you reach your money savings goals.

Every aspect of bullet journal financial planning is included for you!:

budgeting ideas
tracking your monthly bill dates
debt pay-off
savings challenges
goal savings

I absolutely love the flexibility of bullet journaling! Whatever you want to keep track of in your life, you can organize it in whatever way works best for you! Starting a bullet journal for beginners doesn’t need to be expensive. I bought the popular and highly rated Leuchtturm1917 Hardcover Medium Dotted Journal and LOVE it, but you can also start with a simple $2 notebook and upgrade over time! The Leuchtturm1917 also includes a table of contents and numbered pages and comes in 14 different colors.

Budget Ideas

Bujo Budget by Pretty Prints and Paper

Bujo Budget by Journal Serenity

Track Your Spending

Even if you have most of your bills automatically deducted, it’s still important to visually see what’s coming up and when. Doesn’t Erin for the Petite Planner have amazing handwriting?

Bujo Monthly Expenses by The Petite Planner

Bujo Bill Tracker by Brandi Journals

I love this idea from Bobbi’s Bujo! Why use a check register when you can make things pretty and track it in your bullet journal?

Bujo Monthly Spending by Bobbis Bujo

Debt Pay-Off

Tracking debt in a bullet journal is so satisfying and just an awesome way to visually see you’re getting it paid off!

Bujo Debt Tracking Idea by The Petite Planner

Bujo Debt Snowball by Debt Free Panda

Savings Challenges

Savings challenges are an awesome way to keep track of smaller financial goals. I recently wrote a post about an easy money challenge I’m doing at home that only starts with $1! The post includes a downloadable checklist to make things even easier and is another idea for your bujo.

One of my most popular posts is a collection of the top 10 most FUN savings challenges for 2018! Be sure to check it out and use your favorite money challenge as inspiration for your bullet journal 🙂

Bujo Savings Challenge by Start a Mom Blog

Bujo Savings Challenge by Written Intentions

Bujo Savings Challenge by Start a Mom Blog

Goal Savings

Here’s a couple cute ideas for saving for specific goals. Do you notice how both of mine are travel related? Traveling is always my goal and there’s so many things in life I gladly cut out to make it a priority!

Bujo Vacation Bullet Journal Junkies

I also found this same idea for a house savings goal, how cool is that? A bullet journal money tracker is an awesome way to keep track of your big financial picture and larger savings goals too!

Bujo Vacation Savings by Little Coffee Fox