Boring $$$ Stuff

Have you ever found yourself in a situation when your card was rejected due to insufficient funds, completely by surprise? You thought you had enough money in your bank account to cover your expenses for the next week or so, but now you are scratching your head because you have no idea where all of your money went to! Not to worry anymore! This budgeting notebook will help you record and track your income, bills, expenses and all your money traffic.START RECORDING YOUR BILLS AND EXPENSES NOW! Recording and tracking your bills and expenses will help you create a better relationship with your money, you will get a better understanding of where your money goes to, what bad spending habits you have and how often and how much you spend in general. This journal is a good tool for those who want to start saving money or develop better spending habits, but have no idea how or where to start. So start collecting receipts now, so you do not forget anything.CUSTOMIZE IT. The log book has undated pages, which means you do not have to wait until January to start using it, you can start using it right now! You can customize it to your own needs: have one page for your bills, next page for your spends, or keep filling it in day-by-day, expense by expense. And do not forget to record refunds or any other unexpected extra income you may get. You can record your ins and outs weekly, monthly or quarterly - you are the one to decide. And to keep the track of your savings, the journal has dedicated pages for that too.PLAN YOUR BUDGET. Start a new page for your chosen period of time by writing down all your bills, subscriptions, standing orders, direct debit payments, etc. (check your online banking for previous month for correct amounts) – this way you will know how much money you have got left to play with until next payday and it will be much easier to plan your purchases. Avoid peaking at your online banking too often, do it couple of times a month if needed, rely on your budgeting t