Speaking My Mind

Bullet Journaling My Finances

Last year when I went on a 5-month hiatus from my blog because I was struggling with grief and depression, one of my best friends from my hometown recommended I Bullet Journal to help me deal with my emotions.

For those of you who don’t know what a Bullet Journal is, it’s a method of organization for a ton of different things such as daily to-do lists, mood tracking, gratitude lists, etc. There is an official journal you can buy, or you can use whatever journal you have, you can even create your own with scrap paper!

I personally used a random notebook for my BuJo, and I used it quite a bit for several months until I finally returned to my online blog. It never became the cutesie journals that you will find online if you search “Bullet Journal ideas” in Google Images because I just used different colored pencils and pens to create lists. Regardless, it helped me get through a difficult time, thus I am picking it up again! This time, I’m going to use it to help me keep track of my finances. (I’m also not using it in lieu of blogging.)

As I’ve mentioned previously, I have been a bit stressed out about money. Although I am making a small income, I somehow spend outrageously every month. The months leading up to graduation were particularly expensive due to many nights spent celebrating and…honestly I don’t know what else.

Anyway…I was inspired to pick up my BuJo again because in my email inbox recently, there was a message about Bullet Journaling and Finances. Intrigued, I clicked on it and read a helpful article about how someone used the Bullet Journal to get out of a $240K debt! Thankfully, I don’t have such a large task to tackle; I want to save more money, spend less, and budget.

After reading the article, I adopted two of the prompts that the writer of the article, Seth, used! Below is my version of what he had done.

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What I buy

The prompt above is to track my everyday purchases and my income. This will help me determine what I need to scale back on so I can save more money. Off the top of my head, I suspect that I spend a lot of money eating out and on alcohol. I also spend quite a bit doing spontaneous shopping on Amazon (books are my greatest weakness!!) and at the mall for yoga items (speaking of which, there will be another yoga haul soon!).

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Habit tracker

This second prompt I copied is a habit tracker for the month of June. All the days of June (except the 29th and 30th…I ran out of room) are included as well as the day of the week. The vertical column consists of habits that I want to break and make. For example, I want to read at least 20 pages of either one or of multiple books per day because I have a bunch of reading to do for the yoga training as well as a huge pile of half-read books I’m dying to finish. For some reason though, I always get caught up on YouTube or reading different lifestyle blogs, which is better than YouTube I suppose but I would prefer to finish a book.

Other habits I want to create that would help me achieve my long-term goals include researching PhD programs, applying to at least two jobs/day, meditating with my mala, writing, studying (for yoga/GRE), doing yoga, 10 minute cardio, save $20, clean/organize 5 items in my room, not spend money, and research a car to get. Some habits I would like to break include not buying coffee, not buying alcohol, and not buying food (unless it’s from a grocery store).

When I do a habit I want to create, I will put a smiley face on the date. When I don’t do a habit I want to create, or when I do a habit I want to break, I will put a frowny face.

I have many habits in the vertical column, so I don’t expect them to do them daily; however, I hope this tracker will encourage me to practice these habits more frequently than I have been. Currently, I’ve been avoiding many of these tasks and I expect this tracker will help hold me accountable. This will ultimately help me achieve my long-term goals!

At the end of June I will update y’all on my progress with this.

Do any of y’all Bullet Journal? What prompts do you like to use for finances or in general?

xx Vic

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