Budget Calendar

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Forecast your Cash Flow

There are 23416 budget calendar for sale on Etsy, and they cost $8.30 on average. The most common budget calendar material is paper. The most popular color? Budget Calendar. Below is an overview of the budgeting process and statutory deadlines. For a detailed explanation of the budget requirements, as well as some helpful practice tips, see our page on Budget Preparation Procedures for Cities and Towns.

The calendar view, gives you lots of information, from recurring transactions marked as a green cycle, to reconciliation, transfers, and pending transactions. Green bars indicate a clear transaction, and red bars indicate an unclear transaction. You can navigate 20 years forward, and select what account you want to see from the drop down.
The add transaction screen has a lot of options to choose from, the first step is to select what type of transaction you are adding, following the date, amount, and cycle. You can also write a memo for each transaction, and or select a split amount, mark it as a bill or if it cleared or not.
The recurring option provides several choices, from daily, weekly, bi weekly, and monthly, to every six weeks, quarterly, and yearly. You can also receive in app notifications and select how many days in advance would like to receive a reminder that a transaction is due.

Create a Budget

When creating a budget, it is important to know that you can create more than one. Use different cycles, and include different categories. For example: if you are planning a vacation, you can create a vacation budget with all their pertinent expenses. Same if you are organizing a party or a weeding, and want to follow a yearly budget.
The budget tool allows you to select any cycle, and add multiple expenses to your custom budget. You can assign a total amount for your global budget and select the date you want to start it. You can also mark rollover savings if you want the money that wasn’t used in the period to be added to the next one.

Budget Calendar

The budget breakdown shows you how are you doing based on your cycle, red if you went over, the total amount left, how much rollover savings from the previous period, and ability to edit or add more expenses using the pencil icon.
Budget

Run Reports

The summary report gives you an entire overview of all your transactions. As you can see in the image, each category shows the total amount for the current month. The line graph below, displays a 6 month trend of your past and future months based on the spending behavior.
Each report can be viewed as a pie chart, and bar chart and filtered by week, month, or year. This one in particular, display the percentage and total amount based on your total expenses. You can also navigate to the past and future ones.
The spreadsheet report works as a balance sheet, showing the current balance on a particular day displaying the category and the amount that was assigned to it, you can go up to 20 years in the future just like the calendar view.

The reminders report, is a very useful tool that will help you keep track of all your paid, unpaid, and upcoming pending transactions. It’s an easy way to see all your uncleared upcoming transactions.
The income vs. expenses report will help you determine where most of your money is going to. Having a clear perspective of this report, will help you adjust your expenses to maximize the amount of savings per week, month, and year. You can display it as a bar graph or pie chart.
Not paid transactions are transactions that can be in the past or upcoming that are not automatically deducted, just like a mortgage check, or a manual payment that you initiate. It give you the advantage of seeing every unpaid transaction in one screen. Once they are marked paid, it will be reflected in the balance.

Create Accounts and Edit Categories

Budget Calendar comes with preloaded categories which can be edit and reorganized. In English and Spanish, depending on your setup selection.
After all your accounts have been setup, you can see a summary of all of them with totals and a yearly projection of each up to 20 years in advance.
The Account/Category menu, allows you to create any type of account and category.

5 Financial Calculators

Budget Calendar Printable

The mortgage calculator helps you determine your monthly payments including HOA, taxes, and any other monthly fees. It also displays all the payments needed to cancel the loan.
The Tip/Tax/Discount calculator well, you get the idea, you can calculate all the necessary information based on the needs you have.
The regular calculator will help you with any calculations you need inside the app. Up to 9,999,9999,999

Configuration & Settings

Budget Calendar comes with several useful configuration and settings that will help you personalize to fit your needs. From password protection, and selecting the day when the week start, to hiding the currency in the calendar and setting the date format.
We have included all the currency in the world so anyone can use and feel comfortable with its own preference.
Date format is just imperative, as it can be deceiving to have a transaction dated 12/11/2015 or 11/12/2015.
That’s the number of bills and payments I need to track each month.
To keep my head from exploding, I use a budget calendar to handle them like clockwork.

In this post, you will find:

  • A step-by-step guide to using a budget calendar
  • Free budget calendar templates, worksheets, printables
  • A digital app so you can take your budget calendar on the go

TAKE ACTION:

  • Download our free budget calendar for Google Calendar or any of the budget calendars in our round up
  • Input your monthly expenses
  • Stay on top of bills and paying them on time

This post may contain affiliate links. See disclosure for more details.

Budget

Quick Links to Info on Page

  • Free budget calendars
  • Erin Condren budget starter pack
  • Conclusion

What is a budget calendar

A budget calendar tracks when large amounts of money come into and go out from your bank account each month. It’s like a roadmap that helps you stay on top of your payments throughout the month to make sure that you don’t miss a bill (and get charged extra fees or interest for it).

It’s not meant to detail every single expense you incur, but more to give you an overall sense of how your finances are affected by larger chunks of money.
Having a clear sense of what payments are coming up helps you better prepare to have funds available by the time your major bills are due, rather than scrambling to pull together money at the last minute (which would most likely result in a big, fat money fail).

While surprises are usually fan, not so much when it comes to your bills and expenses.

How to use a budget calendar

If you plan to use your own budget calendar, there are three main budget categories of items you should log onto it.

Income
  • Regular income such as paychecks
  • Irregular income, such as from a side hustle, if you know the date you are going to be paid out

Recurring bills
This includes payments with set dates each month, such as for:

  • Mortgage/rent
  • Utilities
  • Water
  • Electricity
  • Phone
  • Cable
  • Car payment
  • Credit cards
  • Student loans
  • Monthly bills

There are other recurring bills that come every few months that you can add to your calendar as well, like:

  • Insurance payments
  • Annual or monthly subscriptions
  • Tax payments
  • Donations

TIP:

Prefer to work your budgets by month instead of year? To make sure you don’t forget about these once-in-a-while bills, make a list of them on a post-it so you can transfer the sticky over easily each month.

If you have a general routine for common expenses, such as buying gas or groceries once every week, you can add them to your calendar as well. List these with the estimated spend, since you won’t know the exact amount.

Budgeting

DO THIS:

Seriously, DO THIS: Include savings as a part of your recurring bills. Whether to build up an emergency fund or invest in your IRA, mark this on the earlier part of your calendar so you have time to actually do it.

Budget Calendar Template

Non-recurring expenses
You aren’t limited to only recording your recurring expenses. If you have something coming up that you know you’ll need to spend some money on, you could choose to put it on your calendar also. Examples include:

  • Children-related costs, like snacks for the next soccer game
  • Gifts
  • Clothing
  • Entertainment
  • Special occasions

Free budget calendars

Personal finance is all about picking what works best for you. Just as different people prefer different budgeting styles, there are all kinds of budget calendars too, some that may work better for you than others.

If you’re a pen and paper kind of person, use a traditional calendar printable. Or, maybe a digital calendar would appeal to you more. If you’re more of a techy, a budgeting app with a built-in calendar would be right up your alley.
No matter how you want to manage your money, the budget calendar round up below will have an option for you.

Budget calendar for Google calendar

If you’d like to track your bills using Google Calendar, grab our free template by clicking on the button below to automatically download to your device. You can import to your Google account by following the instructions right under the download button. All you have to do is change the dates and amounts from our sample entries to whatever your payment dates and amounts are.

How to import our download to your Google calendar:

  • Download the .zip folder and extract the .ical file
  • Open Google Calendar
  • At the top right, click the gear icon, then Settings
  • At the left, click Import & Export
  • Click Select File from Your Computer and select the ical file
  • Choose which calendar to add the imported events to (you can create a new calendar just to keep these events, or add them to your existing calendar)
  • Click Import

Budget calendar app

If you prefer to manage your money with modern technology, getting a premium membership with Undebt.it, our favorite debt management tool, is the way to go.

The upgraded membership provides all of these tools to help you stay on it with your money:
  • Debt payoff calculator, table, chart
  • Export and sort data in Excel
  • Bill management
  • Text message bill reminders
  • Debt payoff snapshot stories
  • Calendar view of payments due

    • Sign up for a 30-day free trial to see if it’s right for you. It’s 100% risk-free, since no payment info is required and your account will simply revert back to the free version once the trial is over.

    WANT A FREE BUDGETING WORKSHEET?

    • Simple walkthrough - just one sheet!
    • Divide income into 3 categories: needs, wants, and savings
    • Bonus expense tracker
    • Form fillable!

    Budget calendar printable

    If you want something simple yet vibrant, check out this bill payment budget calendar. (via Clean and Scentsible)

    Budget calendar excel spreadsheet

    This Excel budget spreadsheet that lets you enter your bills in a calendar style view and then auto-magically totals your monthly spend. (via Vertex 42)

    Annual budget calendar printable

    For something that is broken down by month but shows you the entire year on a single page, try this budget plan. (via Freebie Finding Mom)

    Erin Condren budget starter pack

    If pretty colors and beautiful design will keep you pumped about your budget, this budget planner package will get you oohing and aahing all the way to the bank.

    Erin Condren Budget Starter Pack

    This pack includes:

    • Petite Planner, so you can plan all 12 months of the year in style
    • Goal tracking
    • Weekly and monthly spending trackers
    • Snap-in budget dashboard to track bills and savings
    • Decorative stickers and paper tape

    Budget Calendar Template

    Conclusion

    A budget calendar is a simple tool that can help you get your finances organized in no time (get it?). Use any of these free budget printables, budgeting Excel spreadsheets, and digital budgeting apps to make tracking your bills a breeze.

    TAKE ACTION:

    • Download our free budget calendar for Google Calendar or any of the budget calendars in our round up
    • Input your monthly expenses
    • Stay on top of bills and paying them on time

    AUTHOR BIO

    Sylvia, aka Mama Chang, is a personal finance blogger out to prove the possibility of navigating high-cost living on a low-cost budget. Paid off college and condo in her 20's on under $55k salary. She wants to teach others how optimize money to maximize quality of life. Dual income with kids, based in Hawaii.

    Hangs out on Keeping Up with the Changs: Pinterest





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