Looking for a way to track your financial data and budget your money? I’ve put together this yearly and monthly budget planner + bill organizer for you as a token of my appreciation for your support of Cold Coffee MOMents!
Disclaimer: I am not a budgeting expert. I created 20+ templates and assembled the Budget Life’s MOMents Finance Planner to strengthen my family’s money talk, financial goals, and marriage.
Crafting a successful marriage while managing a career, a household, and raising children is one of the most difficult obstacles we face in life. I have been married six years and we are still trying to pilot how to make it all work efficiently. Strategies we thought would help strengthen our marriage tore us apart. It has been six years of trial-and-error and we are still learning new tips every day.
When we were married, we agreed I would manage the household and children’s needs while my husband, Jeff, managed the money accounts and bills. We were confident a divide and conquer approach would lead to success. While this may work for some couples, it did not work for us. Poor communication about money and how we were managing our tasks was a pain point in our marriage.
Jeff is very financially responsible while I am not so much. I, embarrassingly, admit that I often lived in my own world ignorant of our finances. I did not want any part of managing our finances because, quite frankly, Jeff likes working with numbers and he is better at it than I am.
I had an awful habit forgetting to give Jeff receipts to balance the checkbook. As you can imagine, this really irritated him. Because the left hand didn’t to talk to the right hand, we got the nice overdraft notification, which was followed by an explosive conversation fueled by stress.
Our financial talk was h o r r i b l e. It was the sole source for many late night arguments. We both knew our main focus needed to be on strengthening our communication. More specifically, we needed to focus on communication about money- financial goals and budgeting.
In order to motivate myself to track our financial data, I created pretty monthly budget templates. I assembled a binder I named the “Budget Life’s MOMents Financial Planner.” The inner data-driven geek in me started getting excited about being involved in this part of our home management.
I used to think of a budget as being a limitation, which did not sound fun to me. Now, I see a budget for what is: a monthly spending plan for our money.
It was an eye opening experience for me when I sat down with Jeff and saw our monthly and yearly income and expenses written on paper in black and white. I was in disbelief how I underestimated some of our expenses. I never imagined we were paying so much money for cable/internet/phone or spending so much money on DVD movies.
This summer, I committed myself to work with Jeff towards our financial planning. We focused on sitting down weekly to talk in detail about how we are saving, spending, and investing our money in hopes of reshaping this part of our marriage and life. Jeff and I worked as a team telling our money what to do. As a result, we got along better. There was more laughing and less late night arguements.
Tracking our financial data together with “Budgeting Life’s MOMents Finance Planner” and talking more about our money goals was a missing link in our marriage for many years.
I would like to share this FREE printable with you as a token of my appreciation for your support of my family. I hope it will be useful as you plan and manage your money.
CLICK HERE to subscribe and have the Budgeting Life’s MOMents Finance printables sent directly to your inbox!
How do you and your significant other manage finances? I would love to hear your insights and advice how spouses can work together towards a “richer” life. Comment below!
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*Next week, we will look at exactly how I assemble the Budget Life’s MOMents Finance Planner and use the budget templates.
Enter your name and e-mail below to receive the e-mail next week with the link to the second piece on how we are budgeting life’s MOMents.