After graduating high school or college it’s time to get serious about your future. We all have ideas on where we see ourselves short term and/or long term. Can we get there and be secure without money? If you can live an exciting and fulfilled lifestyle without spending money let me know if not check out how I’m planning.
First thing I started doing recently is writing out my bills and how much I want to save each pay week. For the past few months my notes have been getting pretty messy so I decided to get a planner.
I needed something bigger so I can physically see what I’m doing on what days. I decided to plan out 6 months ahead. If something comes up unexpected I’ve already been saving so I’ll have enough to cover the cost. I didn’t plan out more since I know my bills are steady.
Next I filled out my planner on when bills are due and color coded them. Coloring coding makes it easier to focus on what you’re trying to do with your money.
Everything that is highlighted in the same color as my paycheck will be payed off with that check. I’m not touching my savings on bills. After I pay my bills I put a portion of the rest in savings. I even have a savings column.
What else do I use my planner for? I use it to set dates for future plans like trips. That’s why it’s important to plan in advance instead of waiting until the week before you need to pay for flights and hotels.
Since I’m using my planner as a savings tool one thing I don’t put in my planner is my account balances or account numbers just in case I lose it some where. I put that information in a secure location.
I hope this week’s #favFriday was helpful. If you all have a planner have you thought about using it as a savings tool? Comment below.
Sincerley, Courtney Renee