When my husband and I decided to do our bills together and become for "financially organized" I thought to myself-How am I going to explain to him my so-called system..Thats when it hit me-Why not make a Financial Binder!
How I set up my binder:
First I made a budget form from excel. It is divided into 6 categories (Includes fixed bills, nonfixed bills, credit cards, income, savings, & goals) Within each category is where I would list my bills (cable, house, cars, etc)
*Nonfixed bills are bills that are NOT the same amount every month-Simply take the lowest amount and the highest amount and use that as your guide (135.64-189.98)
*Fixed bills are bills that are the same amount every month.
Then I have all the sub categories "tabbed" (thats where I will place my paper bills every month)
Income-I have a spreedsheet and with every paycheck (any source of income) I simply write the amount and date. If you get paystubs-hole punch them and place them in this section.
Savings-I have a spreedsheet with every deposit/transaction I make into my savings account.
Goals-Our goals are simple...How much can we put in our savings account this month?
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