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Tuesday, November 13, 2012

November Project: Household Binder, Section One: Finance

Welcome back to our November Project! If you're just joining us, I introduced this project here and described the five sections that will be going into my binder. You're absolutely welcome to hop on anytime and make your own household binder along with me!

The first section I'm going to start with is the finance section. I have been brainstorming and brainstorming, pouring over blogs and other household binders in order to get an idea of what information is really the best to keep in a Finance Section. I made a few free printables that I'm going to share with you guys and explain how this is going to help keep track of bills, loans, and other important information.


I don't know about you, but I always feel like it's such a pain in the butt having to reach for my purse every time I need my bank account information. With this handy little cheat sheet in the binder that I already always have next to me (probably because it's so pretty!), it'll be so much easier anytime I need my card information!

(Also, if you're wondering, the CVC is the three digit code on the back of your card that you always need when buying something online.)


I'm really excited about this one! The printable I have in my binder is a tad different...the ones I have printed are a bit trial & error and I had added a completely unnecessary column in that one. I started filling it out and was like what was I thinking when I put that in there?! I figured since there's only two months left in the year there's no point in printing out a new one, so I just ignore it. I love this though because I can have all of the bills that we pay in one place. Once we pay it, I just write the date and amount underneath the corresponding month. (Especially for all of those inconsistent bills, like electricity.)


Jon and I are currently in school and we have a couple of student loans that don't require payment until we're done. If that bottom section doesn't apply to you, you can either ignore it, get rid of it, or just ask me to make you a new one without it! I wrote the name of the loan in the first column, then the current balance. (It'll get updated on the printable every six months.) I like to know the interest rate of all of my loans/credit cards, so there's a column for that. Then every month, I just put "-50" or however much I paid. Then the next six months, the new balance goes in the "Balance" column. I also have our credit cards listed under loans.


I have this printed out and in my binder, but I really haven't used it yet. Tracking your spending is supposed to be a good way to spend less (or so I've heard), but then I cheat and just don't write certain things down and that's not how it's supposed to work!

I haven't had any yet, but when I get them I'm planning on keeping important invoices and receipts in this section too (as long as they don't belong in any other section.)

Links to Printables:
Account Information Printable: Download Here
Bill Pay Printable: Download Here
Loan Tracker Printable: Download Here
Spending Tracker Printable: Download Here

What did you do for your first section in your household binder? Do you have any other suggestions or tips for a functional finance section?


9 comments:

  1. I kind of found your blog by accident, but I have to say I LOVE these! You definitely have a new follower now! (: I also just released some printables (although not finance/home related) on my blog!

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  2. Found your blog from "Just something I whipped up" link party. These are a really good idea. I have been using a computer based programme but have been thinking that the actual process of writing out what I spend makes me think about it more. Will revisit your blog!

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  3. Thank you for these. They're really useful. I've pinned them to my "organization" board.

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  4. Hi I am your newest follower, looking forward to reading more of your posts

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  5. love your blog! Just became a follower. Thank you for all the wonderful printables! :)

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  6. found you through the blog hop! this is such a great idea, i have been trying to budget my money strictly but sometimes i just can't follow it! if only student loans didnt exist...

    xo Britta

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  7. Newest GFC follower from the Mingle with Us blog hop. Great blog.
    Erin
    http://homecookedgourmet.blogspot.com/

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  8. Oh I feel like I could maybe possibly do this. Love all of the pics such a great step by step.

    Stopping by to say hi and how sweet it is that you joined us for An Aloha Affair last week. We are live now and are looking forward to spending the weekend mingling. I'd love it if you'd join us again.

    xo,
    Nicole
    localsugarhawaii.com

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  9. Great printables! I bet that's super useful for keeping stuff organized. Thanks for sharing at The Fun In Functional!

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Thanks for commenting! I love reading what you have to say! :)