How I Plan My Finances Every Month (Free Printable Included)

🧾 How I Plan My Finances Every Month (Free Printable Included)

Managing money might feel overwhelming sometimes. But once you have a simple system in place, it becomes second nature.
Today, I’m sharing exactly how I plan my finances every month — and you can grab a free printable budget tracker to make it even easier!

🔹 Step 1: Review My Income Sources

At the start of every month, I sit down and note down all the expected income:

  • Salary or freelancing income

  • Side hustles or small gigs

  • Any passive income (like blog earnings, cashback, etc.)

This gives a clear idea of how much I’m working with before I even think about spending.

🔹 Step 2: List My Fixed Expenses

Fixed expenses are the non-negotiables like:

  • Rent

  • Subscriptions (Netflix, Spotify, etc.)

  • EMIs or loan payments

  • Internet bills

I calculate these first because they are mandatory and need to be prioritized.

🔹 Step 3: Estimate Variable Expenses

These are expenses that can change month to month:

  • Groceries

  • Eating out

  • Transportation

  • Entertainment

I give myself a realistic budget for each. If I know there’s a birthday or a trip coming up, I adjust it.

🔹 Step 4: Automate My Savings 💰

Before I even spend anything, I automate a part of my income:

  • A portion goes to my savings account automatically via UPI or bank transfer.

  • I treat savings like a bill — it must be paid every month!

👉 Read: ✅ 5. Automate What I Can — this tiny trick ensures I always pay myself first without forgetting.

🔹 Step 5: Track, Reflect, and Adjust

Throughout the month, I check my spending about once a week. It takes 5 minutes but keeps me mindful.
At the end of the month, I reflect:

  • What did I overspend on?

  • Where did I save better than expected?

  • What can I improve next month?

📥 Download Your Free Printable Budget Tracker

To make this easier for you, I created a FREE printable that includes:

  • Income tracker

  • Fixed and variable expenses sections

  • Savings and investment tracker

  • Notes and reflection area

🖼 [Click here to go]

Simply download it, print it out, and start planning your money like a pro!

💡 Bonus: Want to Earn or Save More?

Check out these beginner-friendly tools that helped me along my journey:

🔹 Side Hustle Blueprint – Start earning online, even as a complete beginner.
🔹 Free Budgeting App – Track spending automatically and save smarter.
🔹 Beginner Investing Course – Invest your first ₹500 confidently.
🔹 Smart Money Habits eBook – Master the basics of saving and spending wisely.
🔹 Make Money With ChatGPT Guide – Learn how to turn AI into a side hustle.
🔹 Affiliate Marketing Masterclass – Build a passive income stream step-by-step.

🚀 Final Words

Financial planning doesn’t have to be complicated.
With a little tracking, a little automation, and a lot of consistency, you can build a stronger financial future — no matter your current income.

Start today.
Save more, spend smarter, and invest in yourself. 🌱

👉 Visit more free guides at The Wealth Journal



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