Top 5 Best Budget Planners

All of us want to be on top of the budget but keeping track of a plethora of expenses, shopping, bills, and unexpected medical costs. There are tons of tools, tactics, and expertise that can help plan for the expected and unexpected such as DIY YouTube tutorials, money management apps, and customized loan calculators. However, we’re still human and as such, we fall victim to one very common financial woe—sticking to a budget! We know that nothing is as more challenging as sticking to the budget but thanks to the functional and practical budget planners for helping us out.

Budgeting on loose sheets can be boring, stressful, and tedious work. But keeping track of a budget book is a straightforward and practical format. We have shared with you the top 5 best budget planners that will start redefining your perception and relationship with money in a relaxed way. So give your control of finances to the planners now, and make yourself stress-free.

For a budget planner to be good, it must follow a few rules:

• To highlight as accurately as possible the monthly income and expenses;
• Savings should be the first element of “spending” – so we spend what we have left after we have saved, and we do not save what is left after we have spent (if there is any left).
• To be a tool for planning monthly expenses, not just for keeping track of them. Thus, at the beginning of the month, plan the expenditures by categories, and make sure that the money goes to the destinations chosen in advance, not chaotically, depending on the momentary impulses.

1. Simplified Monthly Budget Planner – Easy Use 12 Month Financial Organizer with Expense Tracker Notebook

Achieve long-term financial freedom with Zicto Budget planner organizer. With this best budget planner, you can set your financial goals and achieve this. You can monitor your savings, debts, monthly income, and daily expenses. Notice the area for improvements and track monetary flow. This budget book is for 12 months and will give you a chance to develop action plans, monthly strategies, and monthly habits. You can check your learning curve through the month and year-end review.

This financial notebook is perfect for all, and you can bring it anywhere, anytime. Its right size fits in every bag and is always at hand. You will love this gorgeous budgeting book as it is beautifully crafted and comes in four different colors. It is planned for easy and effective budget planning. Along with the notebook, the pack includes a sturdy pen loop and an elastic band. The planner also includes motivational instructions and strategies for creating a successful budget plan. Stickers with the sheets add fun to planning.

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2.Budget Planner – Monthly Budget Book and Expense Tracker, 5.3″ x 7.6″, Portable Budget Planner

Tracking your budget monthly is an essential task; otherwise, you may lose control of your finances. As this planner is undated, start whenever and continue wherever you want. Get ready to become a personal budgeting and finance expert. This best budget planner contains all the features that are required for budgeting of monthly overview. It includes 12 months of a budget planner, two pages of the regular bill, track expenses, annual expenses budget, and other useful information.

The design of the monthly planner is convenient and easy to use. A magnet in it makes the planner close smoothly, making it handy. The inner pocket enables you to hold some bills while you can put other accessories inside the hardcover. You can track monthly income, monthly savings, monthly payments, monthly debts and bills, monthly spending, and monthly overview. You will also have a special part for Christmas and extra expenses.

You will love the paper’s quality, the thicker paper reduces shade problems, and bright white paper shows the planner’s excellent quality. This best budget planner will help you organize your life by staying on budget, tracking your expenses, and saving money for the future.

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3. Clever Fox Budget Planner & Monthly Bill Organizer With Pockets. Expense Tracker Notebook

The Clever fox budget organizer is another best budget planner that will help you in managing your money. Keep yourself on track, jot down your financial goals, set reminders for bills on the calendar. Before you spend anything, you must have a spending plan ready. Track your day-to-day spending, and then at the end of the month, review your spending. Point out all your bad spending habits and extra expenditures, after this improve this next month.

Practical personal finance will help you manage your household budgets perfectly; you can manage everything in one platform. Whether you want to manage your savings, payments, debt, bills, cash flow, expenses, and more, this planner is an excellent option.

You will love the elegant and smart look of this personal finance. It begins with two pages specially designed for setting your financial goals, and then the next two pages are for planning strategies. This would be followed by a planner of 12 months, and at the end, there are separate sections for tracking savings, holiday budgeting, and bill tracking.

The paper used in this is of high quality, and the spiral binding is also sturdy. Each month has a different color; this makes the planner purposeful, quick, and easy to use. Take a step ahead by taking an essential move towards organizing your budget and finances without any hassle.

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4.Clever Fox Budget Planner – Expense Tracker Notebook. Monthly Budgeting Journal

Taking steps towards living a more organized, productive, and fulfilling life is essential. Financial management is a core step for achieving such goals. We understand that budget planning isn’t an easy task, but it can be stress-free with Clever fox budget planner. This will not only organize your finances but will also add value and will improve your finances curve. So, get yourself this organizer and lead a life of success every day.

With this budget planner, you can reach your goals more quickly and effectively. Commit to this for a year consistently, and it will change your life. It will help you in tracking your expenses and income that will keep you on track. The planner’s layout is carefully selected and designed to keep you motivated, inspired, and organized. Start from anywhere; this undated stylish budget planner is easy to carry in your bag. It contains separate dedicated pages for financial planning, setting goals, expense tracking, monthly budgeting, and monthly reviewing.

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5. DebtorEdu Budget Planner – Comprehensive Monthly Budgeting Journal, Debt Tracker, Bill Organizer – Undated

Another best budget planner is DebtorEdu planner because of its amazing features. This organizer contains all the tools that you require for making the change. You must record all the details of your monthly budgeting. This comprehensive journal is ideal in all aspects; you can manage bill payments, income, expenses, savings, and much more. You can use it, and it will surely help you save money and create a plan for the future.

This will encourage you to celebrate your achievements, balance your monthly budget, participate in savings, track your debt, separate your needs, and visualize your day-to-day spending. Its metal corners and scratch-resistant hardcover makes it more beautiful and stylish. Financial experts design this planner, and they know how to change the spending habit. Along with income, expenses, and other essential details, it contains many extras that include a medical expense tracker. Check register, bill account information, donations, money journal, and so much more.

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Buying guide – Best Budget Planners

There are millions of people using a budget planner to manage their finances. There are many options in the market when it comes to choosing the right one. Most budget planners have some interesting features such as automatic formatting, page numbers, checks, etc.

Still, they may not be necessary all the time. If your intent is just to organize your finances without causing any major inconvenience, then a basic model will do just fine. Financial planning for women is quite different from men, and so, a simple budget planner is sufficient for their needs.

However, if you want a little extra from your budget planner, you can try out some of these advanced features that will help make managing money easier for you:

Purpose

The usage of budget planners varies for everyone. Choose your organizer as per your financial goals. Also, look for the planners that come with pockets; this helps save the bills, receipts, and other accessories.

Quality

The quality of the planner is a vital feature to consider. The material of the paper should be good, and it should withstand extreme conditions. A thick quality paper is preferable. And the outer covering should be a hard case as it is sturdy and durable.

User-friendly

The best budget planners should be well organized and very easy to use. It also needs to have organized headings and prompts, making budgeting very simple and easy.

User reviews

Never forget to read reviews of the customers. The above-mentioned all budget planners have the best reviews regarding price, features, and usability. Honest reviews are one of the most reliable methods of buying any product.

Customization

Look for the customizable models. You may need to note some important budget criteria; you need extra spaces and extra pages for this. Extra space allows you to plan your monthly budget, track your expenses, savings, debt and review your spending freely as per your choice.

Design

Different planners have different designs. The majority of the planners are separated by day, week, and month. This separation ensures easy organization and eases you in planning. Outer look matters, but it doesn’t limit here; the internal design is also crucial.

Stylish

You would be more motivated to use a budget planner if it looks pretty and is stylish. If you’re spending money to buy a planner, it should be one that you would love to pick up each day.

Undated

Using an undated planner means that you can start anytime. If you decide to start budgeting in the middle of the month, that’s perfectly fine. You wouldn’t be wasting all the pages from the beginning of the year.

Frequently Asked Questions

How can I choose the best budget planner for myself?

This depends on how frequently you write and what you want to record in your planner. If all you need are some basic features, then a simple model will be sufficient to hold your thoughts and ideas on paper, but if you plan to carry out extensive tracking and recording of data, then an advanced one is ideal.

Should I go for lined or unlined pages?

It’s an entirely individual choice here as some people feel more comfortable with ruled sheets. At the same time, others prefer using their own notebooks with blank sheets in them. Go for them according to your preference and usage pattern, as well as where and how often you’ll use them (whether at home or office).

What should I be aware of while buying a budget planner?

While purchasing the best budget planner for yourself, considering several factors are important:

Occasional use: If you’re only planning to use your organizer now and then, a standard model will do just fine, but if you’ll use it on an extended basis or regularly, then look for options that offer more features such as storage cards and page protectors, etc.

What are the different types of budgets that I can choose from?

An array of features is available today that allow you to choose according to your preference, including:

Weekly planners: The best budget weekly planner includes a week-at-a-view front page followed by several two-page spreads offering plenty of room for writing appointments, important dates, or any other relevant data (such as phone numbers, addresses, etc.) that may come up during the rest of the week. Monthly calendars: All go into an insertable sleeve on the left side, which can be shifted back and forth with ease so that you always have access to the monthly calendar, even while making notes on the current week.

Weekly/monthly planners: Best budget planning weekly planner can include a monthly calendar on one or both sides of the block and then separate spaces on the opposite side for each day. Pocket Planner: This is a great option if you don’t want to carry around an extra bag full of loose sheets in your briefcase because it allows you to keep any necessary notes, tickets, or receipts within easy reach while also keeping them intact with the rest of your planner information.

Writing pad: Combining elements from different types creating an entirely new type of best budget planner. This type allows users to track daily expenses and make notations regarding major events that occurred during that period (like birthdays and anniversaries).

What’s the difference between annual and monthly planners?

This really comes down to personal preference, but some users prefer monthly or quarterly because they’re more streamlined in terms of planning. In contrast, others prefer a yearly review as provided by an annual option, so decide which one will work better for you.

Final Verdict- Best 5 Budget Planners

The first and most crucial step for setting up a budget is buying the best budget planner that works smartly and effectively for you. One budget planner doesn’t work for all people. Your budget planner is according to your financial goals, so you should customize it as per your needs. Say hi to financial freedom with these budget planners!

Like this guide? Then you’d definitely love our other guides on the Best Habit Trackers or for the Best Productivity Planners

Last update on 2022-06-27 / Affiliate links / Images from Amazon Product Advertising API