Whatever is left is your budget for the month, for you to portion out however you want. I don’t include bills such as gas and electric in this as they change from quarter to quarter. This is your direct debits and amounts that don’t change – rent, phone, internet etc. What are your static outgoings each month?.Anything I earn from Etsy over the month, I add onto at the end of the month (more on that later) but consider it a bonus. As I have a mix of the two, I use my salary as the starting point. Those who are self employed you’ll have to do some maths and work out some conservative averages. Those who have a more static income, this will be much easier.
![best budget calendar planner 2018 best budget calendar planner 2018](https://inspiredbudget.com/wp-content/uploads/2020/08/budget-calendar-blog-post-image-3.jpg)
While the planners I use and how I write everything out might change, this process always stays the same. Budget planning – the basicsīefore I get into exactly how I use both my Hobonichi Weeks and Cousin to budget plan, it’s a good idea to take you through how I set up my budget each month. The more I’ve used my Hobonichi, the more things I’ve moved over from my Filofax to my Hobonichi.
![best budget calendar planner 2018 best budget calendar planner 2018](https://cdn.vertex42.com/calendars/images/budget-calendar-with-daily-balances.png)
That was until, I started using a Hobonichi. Since then, I haven’t changed my system too much. If you’ve been reading my blog a while, you’ll know I’ve posted before about my budget planning set up in my Filofax. I also gave an update a year later. While I wouldn’t say I’m super thrifty because of it, I’m definitely more mindful of my spending and have built up a decent amount of savings.
![best budget calendar planner 2018 best budget calendar planner 2018](https://www.thebudgetmom.com/wp-content/uploads/2019/05/How-to-Use-a-Budget-Calendar-FEATURE1.png)
I’ve been tracking my spending and budget planning for years now.