Use a Bullet Journal to master your budget

Bullet Journaling is a popular way to organize your life on paper. People with a lot of to-do lists and day planners have found that keeping a bullet journal is a great way to focus on their goals and track accomplishments.

The core of a bullet journal is to start with organization–this is not a random daily journal, but a logbook with an index that will be updated frequently as new things are added. The primary way to enter log notes is by using bullet points.

But that’s only the beginning. Journal keepers have learned how to tweak and hack their journals, adding a creative spark that makes the entire process more rewarding and effective. In a way it combines some of the art of scrapbooking with journaling.

We’ve long recommended keeping a written budget as an essential component of your personal finances. Writing goals down makes you much more likely to achieve them, and that’s why bullet journaling has become popular. The act of writing  a reminder has a stronger psychological impact than typing it into a smartphone.

You don’t need to be a creative genius to start a bullet journal. You can buy a journal with a grid or dots to help you keep your lines straight, and look to Instagram for literally hundreds of thousands of #bulletjournal ideas. Here are a few inspiring ones:

1: ghastly_gwen’s monthly finances:

2: by_denise’s savings tracker:

3: bobbis_bujo’s Spending log:

4:brunasbooks’ savings tracker:

5. written.intentions’ budget envelopes:

We urge everyone to take time to write down their budget and track their spending in writing. A bullet journal is a great way to do it–check out Instagram where there are nearly 600,000 posts under the hashtag #bulletjournal.

If your budget is already out of control, we can help. Call us for free, confidential credit counseling and debt advice, and check out all of the free educational resources we have here in our FIT Academy.

Speak to our certified Debt Coaches to review all of your options and discuss best strategies for getting out of debt.Speak to our certified Debt Coaches to review all of your options and discuss best strategies for getting out of debt.
Melinda Opperman

About The Author

Melinda Opperman is an exceptional educator who lives and breathes the creation and implementation of innovative ways to motivate and educate community members and students about financial literacy. Melinda joined credit.org in 2003 and has over 19 years experience in the industry.