Finance & Life Planner: Bills, Savings + Goals (Printable, App + Spreadsheet)

Description

Bills, savings and goals, and the life the money pays for

Most months don’t go wrong in one big way. They go wrong in the once-a-year bill nobody wrote down, the birthday money that disappeared by Friday, and the savings goal that never got a number.

This planner puts all of it on paper, the money side of the month and the life side, so you can see both at the kitchen table in fifteen minutes.

What it is (and what it isn’t)

The Finance & Life Planner is 17 printable pages, plus a fillable PDF, an app and a spreadsheet. It isn’t an investing course and it won’t do your taxes. It’s the everyday paperwork that keeps a family’s month honest, and a few pages that ask what all that money is for.

What’s inside

• Monthly budget: income at the top, expenses under it, what you planned next to what happened
• Expense tracker and income tracker: every dollar out by category, every dollar in by source
• Bill checklist: the monthly bills and the once-a-year ones, each with its due day
• A year of bills: every bill once, every month across, ticked off as it’s paid
• Savings goal and savings tracker: name it, number it, break it into a month and a day, then track every deposit
• $1 to $100 savings challenge: one hundred squares, any order, no schedule; fill the board and you’ve saved $5,050
• Debt snowball worksheet and debt payment tracker: smallest balance first, and a balance you can watch fall
• Financial goals and quarterly goals: the why, the outcome, the time frame and the steps
• Today: a daily page for the schedule and the three things that matter
• Questions to myself and my year in review: the life half of the planner
• A notes page

Before and after

Before: the money lives in your head, the bills live in a pile, and the goals live nowhere.

After: one budget page, one bill list with the due days, a savings goal with a number on it, and a debt with a date it clears.

Printable, fillable, an app and a spreadsheet, one price

Print it and write by hand, or type into the fillable PDF. The free app totals the budget and says whether the month came out ahead, sorts expenses by category, breaks the savings goal into a month and a day, and runs the debt snowball for you, smallest balance first, every cleared minimum rolled into the next, with the month each debt clears, interest included: itsasouthernlifeyall.com/app/finance-life-planner/ (your Start Here download carries the link too).

And if you’re a spreadsheet person, the workbook (Excel, or Google Sheets) does the math for you. Log what you spend and the budget’s actual columns fill themselves in. The bills tab tells you what to set aside each month for the once-a-year ones. The savings goals show what it takes per month and per day from here, and the debt snowball shows the month each debt clears and what the interest will cost. It comes blank, plus a sample copy filled in with a made-up family’s numbers so you can see every tab working first.

Who is writing this

I’m Robin, a mom of four and a grandma of seven. I’ve been the CFO of a law firm for the past ten years, and before that I was the CFO of my husband’s construction company for nearly twenty, doing that work from home while raising our four kids. Everything here is general education from a mom who has spent her career with the numbers, not personal financial advice.

The details

Instant download: the 17-page printable PDF, the fillable PDF, the workbook (blank and a filled-in sample) and a Start Here page with your app link, delivered the moment you buy. Print as many pages as you need for your own family’s use. Digital products are final sale; if you have any trouble downloading, email me and I will get you sorted.

You don’t have to be a perfect mom. You just have to keep the fire going.