Check out how this bullet journal bill tracker will help you get your finances under control and save you lots of time this year!
If you’re trying to get your finances under control, the best place to start is by analyzing your monthly spending. Where’s all that money going anyway? Using a tracker in your bullet journal is a great way to get a handle on things.
I have a few ideas to help you get started with a bullet journal bill tracker. This particular layout has three parts:
- Tracking recurring monthly payments
- Keeping an eye on auto payments
- Flexible list for one-time payments
Keeping track of what bills you’re paying (or not paying!) with your bullet journal will help you get your bills paid more efficiently, on time, and could even save you money in fees later!
I love bullet journaling because it’s totally flexible. You might have more or less of each item that this tracker shows. Let’s talk about how to get started customizing your own.
If you want to start carefully tracking your bills, but a bullet journal set up feels like too much for you >>> find a similar set up here: FREE Printable Home Finance & Bill Organizer
Planning to Track Bills in Your Bullet Journal
Before you start laying out your bujo pages, take a look at your bank account, gather your bills, and do some planning.
First, make a list of all your payees and categorize them into groups.
Recurring monthly payments
This category will include your rent or mortgage, credit cards, utilities, cable, etc. Any bill that comes up each month. Some credit cards might not have to be paid each month, but I include those here, also, because it’s best to check them monthly even if you’re carrying a zero balance.
What do you have on auto pay? These bills might include services like Netflix, gym memberships, and any payment where you pay the same amount each month. Auto payments might be made on your credit card or withdrawn directly from your bank account.
Well, they don’t have to be literally one-time, but these are the payments you make only when you receive the bill. They don’t come every month. Some examples might be medical bills or home repair/improvements that you aren’t paying on a regular basis.
Laying Out Your Bullet Journal Bill Tracker
Set up your recurring monthly payments first. Count how many you have. You may need two pages to accommodate all your payees or just one.
I used a simple 12 month tracker for monthly bills. The name of the payee on top (I also frequently add user/password info here) with boxes for due date and amount. I also added a check box that helps me remember if I paid the bill.
Next, create a section for your auto-pay bills. This section is much smaller for me, because I pay most of my bills manually. However if you frequently use auto-pay, this section might contain many more payees for you.
Instead of tracking 12 months of payments, this tracker simply requires the name of the payee and the amount. I split mine up in to 4 spaces, but yours may have more or less.
Finally, you’ll need space to list bills that you pay infrequently. I use a twist on a check register. Because I wanted to fit these all on one page, I doubled up with two smaller trackers side by side. If you have large handwriting, you may want to use just one list.
Make sure you have plenty of room to track who you’re paying (payee), the date it’s due, the amount, and a check box to double check that you paid it.
Full Bill Tracker Layout
This is a look at what your full bullet journal bill tracker might look like. I love having one spread to return to all year long. It’s easy to see changes and patterns in spending, and it saves me time paying my bills each month.
To create this layout, I used the following tools:
- Scribbles That Matter dotted journal
- Woodland Cottage Farm journal cover
- Micron 01 and 03 size pens
- Mildliner double ended highlighters
- Fudebiyori brush pen in gray for shadowing
- Westcott Geometry Set rulers
Using Your Bullet Journal Bill Tracker
I’ll tell you my system for paying bills. It’s so simple. Yours will be different, but I hope this is a starting point for you.
My system is very simple. I pay bills twice per month. I pay rent and utilities on the first and everything else around the 10th. Here’s why: all of my bills arrive sometime between the 27th and the 8th of the month. With the exception of rent and utilities, they are all due between the 18th and the 25th.
If you get all of your bills together, you can figure out when the bulk of your payments are due, too.
On the first of the month, I open my tracker and note that I’ve paid rent and utilities. Simple. Then around the 10th, I gather all of my paper bills and all of my email bills and grab my bullet journal.
I quickly go down the list, checking websites or emails for my recurring monthly bill payments. I add the date due and the total amount. Then I add any extra bills to the register.
When I’m done recording all of my bills, I go into my bill payer and go straight down the list. It only takes a few minutes to punch in the amounts and due dates and send off all my bills for the month at once.
Using this system with my bullet journal saves so much time. No more going back and forth from bill payer to website to paper bill. No more paying bills all month long. No more late fees. No more missed payments.
Keeping Up with Your Bullet Journal Bill Tracker
It can feel like a lot to keep up with all kinds of monthly payments. Especially if you’re dealing with debt or sudden changes in income – like during a move or a job change. There are times when it feels like bills are flying at you from every direction.
If you take the time to set up a bullet journal layout, you will have one place to track it all. One page that makes order out of the chaos.
Yes, it will take some time and effort to gather all of your bills and figure out the most efficient way to pay them – once a month, twice a month, even three times. But you will be happy you did. There’s nothing worse than the feeling that you have to deal with every bill as it comes in – especially when it feels like they’re coming in every day!
Oh wait. There is something worse. The feeling you get when you have to open all the bills that you’ve been ignoring for far too long.
Spend the time to make your payment routine more efficient. Spend the time to track what’s going out each month. It will save you time, money, and that crushing sense of overwhelm in the long run!
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