How to Create Your Own Money Organizer Planner

Here is an easy way to manage your home finances by creating your own money organizer. This free bill planner can be printed making it both a user friendly and versatile organizer tool.

Things You'll Need

• laptop or home computer
• Financial organizer software like Microsoft Money or Microsoft Office
• budget calculator
• printer
• debts, income sheet

Instructions

1. If you have a home desktop PC, mac or personal notebook, you may access for free or can download an organizer software such as Microsoft Office to help design your money planner.

2. Organize your money planner using 6 main categories:
   1. Total Monthly Gross Income
   2. Monthly Housing Expenses
   3. Monthly Car Expenses
   4. Monthly Debts
   5. Monthly Family Miscellaneous Expenses
   6. Total Net Monthly Income (free money available)

3. Organize your household expenses to include rent or mortgage payments, property and casualty, bill payments, utilities, taxes, and any miscellaneous household repair money.

4. Automobile expenses include car loans, gasoline, car insurance, and auto maintenance to make up the next category on your money organizer planner.

5. Debts should include any credit loans and monthly balance you choose to free up on the next money category on your organizer.

6. Next list any Miscellaneous expenses on your planner such as:
   -childcare/school
   -clothing, grocery money
   -family entertainment, cable, videos, newspaper, magazines
   -medical, vet
   -clubs, association dues
   -investments, life insurance
   -vacation, gifts for holidays
   -haircuts, nails, etc.

7. Figure total monthly income at the top of your organizer, then total your monthly expenses for each money category, and subtract to get your net income balance at the bottom of your planner.

Tips & Warnings

• Always round up when estimating a monthly bill on your printable organizer

• Get your budget planner categories completed first and list as many as you can think of under miscellaneous before writing your own expenses in.

• Divide your organizer sheet in 2 if paid bi-weekly or 4 if every week to help determine your payment schedules

• Always include a category under miscellaneous for emergency or liquid expenses and decide how much money you can free up each month to add to this fund

Resources

• Printable Budget Sheets
• Debt Recovery Solutions