Mindful Money Planning

This week, I’d like to share how I use my Bullet Journal for financial planning, which I call “Mindful Money”.

To be clear, this has nothing to do with the book Mindful Money: Simple Practices for Reaching Your Financial Goals and Increasing Your Happiness Dividend by Jonathan K. DeYoe. I only am keeping the title the same because it’s what my Bullet Journal spread on it is titled.

The Basics

  • Break down ALL of your transactions into 6 categories and color-code:
    1. Necessities
    2. As Needed
    3. Limited
    4. Very Limited
    5. Unless Out
    6. Do Not Buy
  • Within the categories, plan transactions with specific limits, whenever necessary.
  • Track transactions throughout each month in the habit tracker, to show which days money was spent in which category.
  • List transactions individually in a spreadsheet, and use the same color-code to show trends in transaction categories. (Other things happen with this spreadsheet, but we’ll get to that later.)

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