We’ve all heard the advice: if you’re trying to get your finances under control, you need a budget. But for some of us, having just a spreadsheet can be a little…dry. So if you’re the kind of person who needs some colour in your financial life, then these bullet journal page ideas may be just what you need to show you how to get started with your own budget bujo layouts!
Whether it’s noting down your schedule, your chores, what you’ve been eating or, yes, your budget, these amazingly creative trackers are incredibly effective at helping you stay organised and on top of your goals.
This is especially the case if you’re the type of person who loves being able to see your progress in actual, paper form.
Not only is it super satisfying to fill in each step you’ve achieved towards your goal, but it’s also a great way to hold yourself accountable.
For example, you may have $10,000 of debt. In that case, your bullet journal could have a page with 100 boxes, each representing $100 of repayments.
This means that each time you pay off $100, you color in a box.
But if you start to get a bit lax at your debt repayments…well, those stark white boxes just waiting to be filled in can be a great reminder of your goal.
How to start your own bullet journal
I’m not the most creative person in the world (…understatement). So having some inspiration has been amazingly useful at showing me what I can do in my own bullet journal.
Which means that if you’re anything like me, the bullet journal page ideas in this article will hopefully provide you with some inspiration for doing your own bujo layouts to stick to a budget and manage your money.
Of course, you can always buy one that’s already been designed and is just waiting for you to get started.
The Living Well Planner is one of the most popular ones out there. Not only is it pretty as hell (all the colors!), but it will help you to get your whole life organised, not only your finances.
That said, if $55 is a bit outside of your budget, you can always spend a lot less to make one yourself.
Elite bojo’ers definitely favour the Leuchtturm1917 journal for their bullet journal needs. Even if you can’t pronounce “Leuchtturm”, people rave about its quality and ease of use for bullet journalling. And the 16 colors you can choose from for the cover aren’t bad either.
For actually creating and filling in your bullet journal, the most popular pens in terms of ink quality and color range are the Staedtler Triplus Fineliner Pens and the Zebra NC5 Highlighter Mildliner pens. People go crazy in their reviews about these and Instagram experts in particular are huge fans.
Bullet journal page ideas to stick to a budget
1. To see a summary of your monthly budget
This is a great way to show your overall financial position for the month on one page. Simply color in the bar as you spend and see how you’re going throughout the month.
Bonus points for the reminder to pay off your debt on the bottom left!
2. To stick to your saving goals
This is a perfect bullet journal page idea if you’d like something visual to help you see how far along you are towards achieving your saving goals.
Not only does it let you fill in each step of your savings journey, but you can also see down the bottom how well you’re doing overall each month – and try to beat it in the next month!
3. To deal with your money going in different directions
It can be tricky to manage your money when it’s going in different directions. You know that you want to put a certain amount each year into your retirement account, your investments, your savings account…but how much have you put in there and how much should go where next month?
Well, this is a simple, effective layout to show it all on one page.
You could also use this for wanting to see all of your debts in one place. Simply color in a box each time you pay a little bit off and when you reach the top, the debt’s gone!
4. To manage your monthly expenses
This is an amazing way to show all of your expenses in one place to make sure that you’re not over-spending each month.
It’s especially good for holding yourself accountable by having a clear reminder of ways you can save and your bad habits to avoid that month.
Not to mention that the dose of inspiration on the bottom right is straight up stunning!
5. To manage multiple accounts
It can be a struggle sometimes to see where your money’s going in and out of each account.
So this bullet journal page idea is a fantastic way to see it all in one place. Not only is it organised, but it looks amazing as well!
6. To achieve all your savings goals
Maybe you have a holiday in the next few months, but you also need a new computer AND you have to get a present for your dad’s upcoming 60th birthday.
If you have several things that you’re saving for, this bullet journal layout is great for helping you allocate money to all of them. Just make sure that you don’t spend the money after you filled in each square!
7. To succeed at a no spending challenge
Committing to a no spend month (or any other money saving challenge) can take a lot of work. So having a page like this to show you how well you’re going can be perfect for motivating you to make it to the end of the month.
And I especially love the little envelope for you to keep receipts of any necessary expenses – it’s great to help you keep track of where your money’s going!
8. To track your six-month budget
Seeing your budget from month-to-month, or even week-to-week, can be useful but it can also be incredibly helpful to see the state of your finances over a six-month period.
So this bullet journal page idea allows you to track your income, bills and other expenses. You can also add your financial goals down the bottom and, on the other page, set out your financial do’s and don’t’s based on lessons you’ve learned about your financial habits from tracking previous months.
It’s a great bujo layout for getting an overview of how you’re going – and how you could continue to improve!
9. To see all your monthly financial activities
While the one in this picture isn’t specifically for your finances, I love the design as it’s very easy to tweak so that it’s solely aimed towards managing your money.
After all, you could put your financial goals on the bottom left. The bottom half of the page on the right could track your expenses, savings, no-spend days etc.
The top right can set out some financial books for you to read this month (The Millionaire Next Door is a great place to start!). And on the left you have your monthly calendar – perhaps to fill in each day where you spend less than a certain amount?
10. To figure out where the hell your money went
Pay day is one of the greatest days of the month. A day that’s not quite as good? When you get to the end of the month and think to yourself: “Hang on. Where the hell did it all go?”
No more! With this page, you’ll be able to easily see just where all your money has gone and, importantly, see where you could save more next month.
11. To keep track of your bill payments
When you have bills coming in from every direction for your credit card, utilities, student loan, cell phone, internet…it can really be difficult to make sure that they’re all paid to avoid any late fees.
So this bullet journal page idea’s great for helping you to pay them all each month and not have to pay even more money if you forget them. And you could even add an extra line under those that you’re not paying in full each month, like your student loan, to keep track of how much is left. Watching that number go further down each month is super motivating!
12. To list all your expenses
If you’re the kind of person who likes to list all your expenses in one place as well as filling in the tracker to see how well (or, uh, not well) you’re going, then you’ll really like this bujo layout.
It’s great for keeping track of both your regular expenses and those that are one-off for that month. You can also categorise each expense and fill in the chart on the bottom left for another way of seeing where all of your money is going.
And then you can work at getting each of those bars down next month!
13. To write down words of wisdom
Sometimes you find a quote that hits you like a bolt of lightning. It fits you or your situation so well that you know that you need to remember it for when things get a little tough in the future.
This bujo page idea is a great way to keep track of them. Whether you choose to write down your own thoughts, as the creator of this one has done, or quotes from financial gurus, it can be super helpful to be able to easily refer to these when you need some inspiration.
14. To achieve all of your goals
This is another layout that isn’t only for managing your money but can easily be adapted to help you achieve your financial goals.
See those goals on the right? You could easily make one of them “Earn $50 from a side hustle”. Then each time that you do that, you fill in one part of the picture on the left.
Other possible goals include “Transfer $100 to my savings account”, “Pay off credit card in full this month” or “Meal plan for a week”.
It’s such a great way to show how your goals are going that this is perfect if you’re aiming for multiple financial success!
15. To plan out your entire week
Now, this page idea isn’t only for money-related things either, but it was way too awesome for me to pass up.
Planning out your entire week on one page is the height of organization – and you can definitely add any financial goals you have or things you need to track. But when it looks this good as well? Your bullet journal will be the coolest kid in town!
Do you have a bullet journal and, if so, does it help you manage your money?