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Organize your accounts and plan your payments, one month at a time. This second edition expands the original planner to include 36 complete monthly sections, with four planning pages per month and revised introductory guidance. Bring your income, expenses, credit cards, and loans together in one place. Use the monthly worksheets to organize your budget, plan extra debt payments, and keep a written record of payments made. Inside each monthly section: • Expenses and income: Record utilities, subscriptions, other household expenses, and income. Additional features: • Introductory explanations of the debt snowball and debt avalanche methods Start with your current accounts and use each month’s entries to review your progress and plan your next steps.
• Credit cards and loans: Track account balances, interest rates, and regular monthly payments.
• Extra-payment planning: Compare income with expenses and choose an additional payment amount that fits your budget.
• Payment ledgers: Record payment dates, payees, and amounts across five weekly sections.
• Instructions for using the planning pages
• Months numbered 1–36, with space to enter your own month and year
• A large writing format for organizing your records by hand
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