budget planner

Simple Budget Planning

Inside The Budget Planner

Why a simplified budget planner? This budget planner was designed for retirees on a fixed monthly income. Inside are the following pages:

  • The monthly calendar on one page
  • Monthly Budget
  • Categorize Expense Sheet
  • Sink Fund Account Sheet
  • Check Registry for checking, sink fund, and savings

The fixed expenses and unforseen expenses are recorded monthly on the monthly calendar. When a bill becomes due and paid mark the bill as paid with a checkmark on the calendar.

On the monthly budget, record the balance left over from the previous month, monthly paycheck, and sum the two together for total monthly income. Next, record all fixed expenses and estimated amounts. I personally include savings as a fixed expense. This ensures that I’m always saving monthly. Also included in the budget form are variable expenses. Examples of variable expenses include food, personal expenses, and car gas.

The expense category sheet is used to track variable expenses. At the end of the month, you add each category expense and add those amounts to your variable expenses on the budget sheet.

The sink fund account includes any bills due quarterly like the water bill, car oil changes, medical expenses, dental expenses, network expenses, car tag expenses, and emergency fund.

Budget
Budget

Variable Categories
Variable Categories
Sink Accounts
Sink Accounts
Check, Sink and Savings Registry

The check registry is used to balance checking, sink funds, and savings accounts.

In summary, this budget planner is 8 x 11 and can be downsized using your printer option to 84 percent for the classic size planner. Check it out in our online store.

Budget PlanningBusiness Planning
Budget Calendar
Fixed Expenses & Variable Expenses
Sinking Fund
Saving Fund
Categorizing Expenses
Checkbook Conciliation

Business Planning
Twelve Week Goal Planning
Social Media Content Calendar
Weekly Calendar
Administrative Worksheet
Machine Knitting Worksheet
Twelve Week Goals Review Sheet
Supply List Sheet
Expense and Sales Sheet

Housekeeping Chores

Planning Housekeeping Routine

Moving forward in our planning process, we discussed the importance of Planning Your Best Life. Through planning, we can focus on what is important in life. Next, we discussed the importance of taking care of ourselves to help others, Taking Care of Yourself. How do we achieve this? By Weekly Block Style Planning.

Planning Block Style

Block Style Planning allows you to plot what is important first. Afterward, you can plot other tasks around the important stuff. For instance, housekeeping chores, dinner, evening tasks, and night routine, etc. The image on the right shows what is blocked out for the week. You can look for open slots to plan your other tasks.

Housekeeping Chores

Find empty time slots on your calendar where you can do housekeeping chores. The image on the left is an example of how to section rooms into cleaning zones. I recommend cleaning one room per day and spot clean daily.

Remember to plot time for self-care. The next two areas of planning are budgeting and business planning. I look forward to showing you how to organize your business plans.

Budget PlanningBusiness Planning
Budget Calendar
Fixed Expenses & Variable Expenses
Sinking Fund
Saving Fund
Categorizing Expenses
Checkbook Conciliation

Business Planning
Twelve Week Goal Planning
Social Media Content Calendar
Weekly Calendar
Administrative Worksheet
Machine Knitting Worksheet
Twelve Week Goals Review Sheet
Supply List Sheet
Expense and Sales Sheet

Portable Home Sauna

Portable Home Sauna

Portable Home Sauna

Benefits

I was blessed with this wonderful gift. The benefits include:

• better sleep.
• relaxation.
• detoxification.
• weight loss.
• relief from sore muscles.
• relief from joint pain such as arthritis and sciatica pain.
• clear and tighter skin.
• improved circulation.

I immediately noticed a change in my sciatic hip pain. This is a great self-care regiment tool to include in your daily or weekly routine before showering. Make sure that you drink plenty of water and stay hydrated.

The Spa Beauty Wellness sauna did not include a chair. You can use a shower chair at its lowest setting. When setting the time and temperature the first two numbers control the timing (1- 60 minutes) and the last digit controls the heat/steam (1-9). I felt comfortable setting it to 30 minutes and heat at the setting of 8. Also included, a remote control and herbs to add to the water reservoir. I look forward to continuing this in my routine.

I highly recommend including a portable home sauna system in your regiment for the benefits listed above.

Taking Care of You

Planning Goals| Taking Care of You!

Getting Started:

My priority is to schedule an appointment with my primary doctor to find out what is going on in my body. The best way to find out is a blood analysis test. These results will point me in the right direction in setting goals.

We need to schedule appointments with the following care providers:

  •  Primary Doctor: physical, mammogram, cervical exam, and renew prescriptions
  • Dentist
  • Ophthalmologist
  • Gastroenterologist

Using the SMART method of setting goals they must be specific, measurable, attainable, relevant, and time-bound. As a result, these are my goals and I hope that you may use these as an example to help you set goals for yourself.

Goals:

1. Drink six-eight ounces of Water Daily

Specifically, to help flush out toxins from the bladder, aid in digestion and absorption preventing constipation, aids in circulation by normalizing blood pressure, prevent dry mouth thus producing saliva, transports nutrients and oxygen to the body, lubricates joints and maintains body temperature. I can measure this goal by drinking water 30 minutes before eating breakfast, lunch, and dinner. It will also help lower food intake.

2. Stretch Body Daily Upon Rising

Doing so will keep the muscles flexible, strong, and healthy, and we need that flexibility to maintain a range of motion in the joints. Without it, the muscles shorten and become tight. To test your flexibility, stand up straight, bend over, and touch your toes.

3. Eat Healthy Daily

I decided to follow the Keto lifestyle. This plan focuses on reducing sugar and carbohydrates. The primary doctor suggested using the Mediterranean or Dash meal plans. The tasks needed for this goal are to plan meals, create a shopping list based on my meal plan, and schedule cooking times.   Maintaining a good body weight is important.

MORNING SCHEDULE

TIMEMONDAYTUESDAYWEDNESDAYTHURSDAYFRIDAYSATURDAYSUNDAY
5:00Wake Up
Stretch
Get Dress
6:00Chores
6:30Breakfast
9:00-5:00Work

In conclusion, it’s best to take care of you first before helping others. Schedule your appointment today!