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JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDECZEROBASESPLITPAYDAYSPENDLOGENVELOPESNOSPENDHOLIDAY
GoalsJanuary 2027
The pay
Month
Money coming in
Left to assign
Every job the money has
JobPlannedSentTo account
Where it lands
Bills
Spending
Jars
Debts
Assigned so far
Of the pay
0%50%100%
Down to zero
YesNearlyNot yet
YesNearlyNot yet
What’s inside · 7 kinds of page
Zero-based budget
The pay
Month
Money coming in
Left to assign
Every job the money has
JobPlannedSentTo account
Where it lands
Bills
Spending
Jars
Debts
Assigned so far
Of the pay
0%50%100%
Down to zero
YesNearlyNot yet
YesNearlyNot yet
Zero-based budget
50/30/20 split
The pay
Month
Take-home pay
How it actually split
Needs, aim 50%
0%50%100%
Wants, aim 30%
0%50%100%
Savings and debt, aim 20%
0%50%100%
Needs
WhatPlannedSpent
Wants
WhatPlannedSpent
Savings and debt
Jar or debtPlannedSent
50/30/20 split
Payday flow
Payday
Pay date
Amount in
Lands in
The transfers, in order
No.FromToAmountDaySent
123456789101112Left in the landing account
After bills
0%50%100%
After transfers
0%50%100%
Set up to run on its own
To move by hand
Payday flow
Spending log
The month
Month
Budget
Spent so far
Every spend, and what paid for it
DateWhatCategoryPaid withAmount
Of the month's budget
Spent
0%50%100%
Worth it
MostlySomeNot really
MostlySomeNot really
Paid mostly with
DebitCreditCash
DebitCreditCash
Spending log
Cash envelopes
This round
Payday
Cash drawn
The envelopes
Groceries
Fuel
Eating out
Fun
Gifts
Buffer
In and out
DateEnvelopeInOutLeft
Envelope rules
When one runs dry
Cash envelopes
No-spend month
The challenge
Month
The rules
Allowed anyway
Free things done instead
What I wanted, and let go
No-spend days
12345678910111213141516171819202122232425262728293031TOTAL
My rules
What it saved
THE GOAL
EACH COIN IS WORTH
COINS SO FAR
Nearly slipped when
How it went
EasyWobblyHard
EasyWobblyHard
No-spend month
Holiday season money
The season
Season
Budget
Spent so far
Who and what
Who or whatBudgetSpentPaid withBought
The season's pots
Gifts
Food
Travel
Hosting
Next year's fund starts
Before it goes on a card
Holiday season money
More in Finance
Studio pick
JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
BillsGoalsNotes
January 2027BUDGET2027
HomePlanner
Income, expenses, savings, totals‹›
Income
Total
Fixed expenses
Total
Variable spending
Total
Savings goals
Total
Debt payments
Total
Total in
Total out
Saved
Left over
Budget Year
$3.99Every dollar, accounted for
Finance70 pages
JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
BillsNotes
January 2027BUDGET2027
HomePlanner
Income, expenses, savings, totals‹›
Income
Total
Fixed expenses
Total
Variable spending
Total
Savings goals
Total
Debt payments
Total
Total in
Total out
Saved
Left over
Sinking Funds
$3.99Saving for the known unknowns
Finance30 pages
JANFEBMARAPRMAYJUNJULAUGSEPOCTNOVDEC
BillsListsNotes
January 2027BUDGET2027
HomePlanner
Income, expenses, savings, totals‹›
Income
Total
Fixed expenses
Total
Variable spending
Total
Savings goals
Total
Debt payments
Total
Total in
Total out
Saved
Left over
Money Minimal
$3.99One budget, no clutter
Finance60–90 pages