There are many different ways to budget, but if you love a good visual, a bullet journal or BuJo might be the right one for you! Check out these bullet journal budget ideas for inspiration as you create your own.
When it comes to budgeting, there’s no one size fits all approach. These days there are as many budgeting tools as you can imagine! From traditional paper savings trackers to budgeting apps, there are lots of ways to help you achieve your specific goals.
Bullet journal budget trackers have become increasingly popular over the past few years. For creative people, bullet journals are a huge finance trend because of how beautiful and easily customizable they are.
In this article we are going to show you a few beautiful bullet journal spreads to help spark your imagination for your own bullet journal pages, as well as walk you through how to customize your own!
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What is a bullet journal?
If you’re unfamiliar, a bullet journal is a visual, personalized way to keep track of things that are important to you. Unlike a journal, a bullet journal (or BuJo) is basically a detailed agenda. You design and draw your own visuals, which are known as spreads.
Bujo’s can be easily personalized for different goals and purposes based on each individual person’s needs. There are all kinds of things that can be tracked in a bullet journal, like:
- Books to read
- Food intake
- Sleep tracker
- And of course, bills and budgeting!
A bullet journal budget spread is a visual way to track your income, spending and expenses. It’s essentially a detailed layout that you create to stay on top of your financial goals. Whether you choose to keep track of your finances each week, or each month, there are many ways to customize this spread.
It’s an excellent tool for managing your finances, as it’s something YOU create, customize and format to fit your own style and needs. Love cute and pretty spreads? Bright colors? Monochromatic and straight to the point? It’s up to you what this spread looks like.
Bullet Journal budget ideas are endless. You can use your BuJo to track:
- An emergency savings fund
- Spending tracker
- Credit card payoff planner
- Monthly bills tracker
- Student loan payoff progress
- And more!
If you love being creative, you might enjoy using a bullet journal budget more than a traditional budget tracker. Think of it as the journals you used to doodle in middle school and high school. The color schemes, design elements, layout and more is whatever you want to create. You can also easily look back month after month in one place to identify trends and areas that need to be tweaked.
It’s a wonderful tool to help you gain a better understanding of your spending habits and expenses, and continue to work towards your financial goals.
How to Create a Bullet Journal Budget Spread
When it comes to starting your own BuJo for budgeting, there’s a lot of freedom and creativity. However, there are a few things that are usually included, like:
- Must spend monthly expenses (like your rent/mortgage, utilities etc as well as due date)
- Any extra spending
- Debt repayment
- Money you put toward savings
A bullet journal for budgeting doesn’t have to be only a monthly budget tracker. You might also decide to create a bullet journal that is JUST a savings tracker to visually stay on top of savings goals; one that only looks at your progress for your emergency fund; a BuJo that tracks your payments as you work to pay off student loans or credit card debt. The possibilities go on and on!
11 Beautiful Bullet Journal Budget Ideas and Spreads
How you decide to list and illustrate a BuJo budget is up to you. Sometimes it helps to look at other bullet journal budget ideas, so read on for some fun examples of ways to customize your bullet journal budget spread!
This beautiful spread caught my eye because of the easy to map out fixed expenses and variable expenses. Having these budget line items in one place can help you have a better idea of where your money is going each month. Plus, the moon, clouds and night sky feel is so beautiful.
This pretty BuJo is straight and to the point as a bill tracker. While there are lot of things that you can track with financial spreads, for some people all they need is one easy to see page with every bill, their due date and if they’ve been paid.
I LOVE the colors of this bullet journal expense tracker! The different colors keep it eye catching and fun. This spread also has multiple financial line items on one sheet, including bills, goals, income and accounts.
If you don’t have the time or patience to create a spread like this with markers, you can also recreate this feel with washi tape.
This two page monthly spread includes many of the items that most people are trying to stay on top of, including income, expenses, additional spending and savings goals. I also loved that this bullet journal budget includes a motivational quote!
This monthly spread is very clear. It has one easy to see budget tracker in beautiful shades of blue.
Do bright colors make your head swim? Bullet journals don’t have to be full of whimsical doodles and different colors to work! This monochromatic spread is both beautiful and efficient to help you stay on top of your personal finances.
While this spread was created as a monthly spread, this layout would also be great as inspiration to create a weekly spread, too.
Need to have a better idea of what you have left at the end of the month? Take a peek at this great idea!
Your own layout comes down to personal preferences, but doesn’t have to just focus on finances. This pretty in pink budget tracker highlights the most important tracking areas for this creator. She stays on track with a great motivational quote, as well as space for two photos.
Take control of your money with this spending log spread! It creates a great snapshot as a money journal, so you can easily see at the end of the month your expenses and daily spending
Financial trackers can also be incredibly detailed. If you have big long-term, this type of finance spread makes it easy to see at the end of each month the progress you are making towards those goals.
You might also enjoy these related articles:
My Favorite Bullet Journal Supplies
Ready to start your own bullet journal budget spread? Here are a few of my favorite supplies available with Amazon Prime that will come in handy for you! Just click on the photos to get more information.
Final Thoughts on Best Bullet Journal Ideas
Bullet journal budget tracking is a great way to take control of your financial situation while also having a creative outlet. Think of it as a brain dump. Getting your expenses, bills and spending out of your head and onto paper is a wonderful way to visualize where your money is going.
Whether you choose to create a bullet journal that tracks your budget weekly, bi-weekly, monthly, quarterly, 6 months at a time or an entire year, it comes down to personal preference. Any way you look at it, it’s a powerful tool for taking more control of your finances.
I hope this list of beautiful bullet journal budget ideas helped to inspire you as figure out what works best for your own life. If you enjoyed this article, please pin it on Pinterest or share on social media to help inspire others, too!