Budget Binder: Household Budgeting Planner

April 21, 2013

 Budget Binder:  Household Budgeting Planner - A Bowl Full of Lemons


Is your spending spiraling out of control?  Are your bills piling up with no organized way to track or pay them? I created a manageable way for you to get control of your household budget with my “Budget Binder: Household Budgeting System”.  The system includes everything you need to organize your family budget & help you get out of debt.

Track everything from account information, to remaining debt balances, to your monthly & annual income!  You can also budget for annual expenses & create a cash budgeting system.  This printable kit has it all!  At only $10, it’s inexpensive and simple to use.

The system goes hand in hand with my “Budget Series” that’s coming soon!  It’s the “manual” that goes with the “class”. Get a head start on the series and order your kit now.  The budget system is not required to follow along with the series. It just makes things much easier & more organized for you. You can also choose to create your own printables or write them down in a notebook.  On the other hand, the series is not required to manage and use your budget binder.  You can print it out and start budgeting on your own.

System Includes:

Cover Page

Assembling your budget binder

Evaluating Your Budget

Record of Accounts

Income Tracker (1st-15th)

Income Tracker (15th-31st)

Monthly Due Date Schedule

Debt Tracker

Annual Expenses

Annual Expenses (Blank)

Monthly Expenses

Monthly Expenses (Blank)

Variable Expenses

Weekly Budget

Monthly Budget

*Binder & Tabs not included


I will go into detail on how my “Budget Binder” is set up during my “Budgeting Series”.

Budget Binder 3

Budget Binder ABFOL


ABFOL Budget Binder System


The Budget Binder: Household Budgeting Planner is only $10 and includes 15 pdf printables (listed above).  Print them out as many times as you need. *Binder & tabs not included.

Click on the “BUY NOW” button below to purchase via paypal. Once you click on “BUY NOW”, you will be directed to Paypal. Once you purchase via paypal, you will receive an automatic email with a link to download your file. You have 1 month to download the file to your computer. PLEASE save the file to your computer. I am unable to resend any files not saved. If you have any issues, please email me. BEFORE YOU EMAIL, please check your junk/spam folder to see if the email went there. It’s an automatically sent email to the paypal address on file. You will definitely get the email. You just have to find it in your email folders.


*Last year, I was able to quit my nursing job and become a full time blogger (thanks to my faithful readers).  A Bowl Full of Lemons has become a successful blog &  I am able to make a decent income from it.  I earn revenue through advertising on my blog & through my Amazon store.  As a supplement to my advertising & amazon store income (which is very unpredictable),  I have introduced printables to go along with some of my blog series (Emergency Preparedness Printables/Ebook & now Budgeting). Not only does this allow me to continue blogging for you, but it’s a fun way for you to follow along with the series, and get yourself organized too!  Thank you to everyone who has supported me by purchasing my printables. Without your support, I would not be able to blog.  I have the best job in the world.   <3 Toni

198 comments on “Budget Binder: Household Budgeting Planner

  1. melissa goodman says:

    Are these printables editable? thanks!

    • Toni says:

      Melissa they are in pdf form. If you would like any of the pages sent to you in a “word” document, you can edit. Just let me know.

      • Lisa says:

        I think I would like them in a Word doc so that I could edit the items to match our expenses… but is there a way to have a closer look at what all is included?

      • melissa goodman says:

        thanks…I would like to get them. I have a MAC so I use pages not word? what do you think? would I be able to view them and edit them? if Yes I want them 🙂

        • Toni says:

          I created them in pages. 🙂

          • Nicole Raya says:

            Hi Toni, I just made a purchase and would also like to know if you have an edited version for MAC (pages)? The purchase only came with a Word edited version.

            Thank you!

          • P says:

            Hi Toni, I am trying to purchase your budget binder kit and I have looked on three computers and there is no buy now button. I am sending an email to you as well. Thank you.

      • Becky Soubeyrand says:

        I would like word document as well too. I like pdf but also word for other uses.

        • Toni says:

          If you paid, send your invoice along with a request for an editable Mac version. Thats the only version I have at this time. 🙂

          • Gina says:

            How do I send an invoice to request editable Mac version. Do I save invoice as attachment and email it to you?

          • Toni says:

            If its for the budget binder, you already have the editable version. Check your files. 🙂 The other products are not editable.

      • Ericka says:

        I would also like a version in word to edit. Thanks!

  2. Julie Berry says:

    I am planning to purchase these printables, but I don’t want to buy them until you explain how you use them. When will you be starting your budgeting series?

  3. Nicole Hurlburt says:

    I just wanted to say how much I LOVE your blog and I’m so excited about this binder and upcoming series! $10 is well worth it! Thank you!

  4. Jo says:

    Can I have them in Word as well?

    • Toni says:

      Yes, If you paid,just send an email. I only have the editable version available for Mac users at this time.

  5. Belinda says:

    I am excited about these printables and the class, I have tried so many things, other binder systems….etc…. this seems to be a little easier to follow and keep up with. I am going to combine it with the post you did a couple of weeks ago on the mobile office, instead of an office I am making it a mobile bill paying center, and this will be perfect for it. Thank you & God Bless!

  6. arlincia ned says:

    Will you be posting any printables for your home management binder?

  7. laura says:

    I am so excited for this series to start I have been trying to figure out the best way to keep track of our finances and this looks like it may be very beneficial! I also love that you are adding printables to your blog its a great idea for your readers to follow along with you and as you say helps out you so you can continue providing us great information through your blog!! Thank you!

  8. Anna says:

    I’m so excited about this! As a newlywed I am struggling balancing a budget for a growing family this is great cant wait for more!

  9. Melissa K. says:

    Where did you get the month by month binder tabs you have in your binder?

  10. Sunita says:

    Do you send any instruction on the best way to begin this process along with the printables?

    • Toni says:

      Yes, there are instructions on putting the binder together. THe process will be on my blog.

  11. Jennifer says:


    These are darling! Love them! I also, like the earlier commenter, would love an editable version! The reason I haven’t purchased any from somewhere else is because I don’t like the idea of blank areas for items that are not in my budget, and I like the idea of typing it all in! I’m assuming your printables are much better than anything I might create (and definitely more thorough!), is there a way you would like us to request them in “Word’ format if we wanted to order that way?

    Thanks so much!! 🙂

    • Toni says:

      Jennifer right now I only offer a “free” Mac version editable printables kit. YOu can purchase them pdf version that you dont have to edit. I included blank pages on a lot of the sheets.

  12. Jodi says:

    Hi I have just bought the budgeting kit. Would you please send a copy of the kit to me in word doc please.

    Thanks – Jodi

    • Toni says:

      I will create an editable set for those who want it. Check my ABFOL fb page for an update on when its ready. Soon!

  13. Caitlin says:

    I just purchased this (yay!) but I thought afterwards, would I be able to get word versions for the sake of editing my own categories?

    So excited to have these, thanks!

  14. Raquel says:

    Hi Toni,
    Will this series include discussion of account and expense tracking I.e. using quick books, quicken, etc….? Or is the focus on the manual forms and budgeting only. Thanks.

  15. Jennie says:

    What size of binder do you need ?

  16. Anonymous says:

    I am gettign ready to purchase. Can I get them in word documetns so I can type in my specific bills? THanks!!!

    • Toni says:

      I am preparing an editable set for word. Check my facebook for an update on when its ready. soon!

  17. Tammy says:

    When will you start the budget series I want to be out of debt and and on track with budget your blog has inspired me to get organized with my house and my budget and get out of debt

  18. Jessica says:

    Hi Toni! I just purchased this, and am so excited to start using it. I know that you prefer a certain type or brand of binders, but I can’t find where you posted the name. Could you tell me which kind you use? Thanks so much, and I LOVE your blog…it’s helped me soooo much!

  19. Erika Vanevenhoven says:

    I want to purchase this but I really really want to be able to get the forms in a word document to edit. If I purchase the budget binder today can I still get the editable version when you are finished with it? If not, then I’ll just wait until you are finished making the other copies. Thanks!

  20. Cindy Leggett says:

    Just bought the printables and am busy working on getting my binder together. I sm seeing that I might need to change a cew things to fit my household. Will those of us who have already purchased the kit be able to get the editable version? Can’t wait for Monday!!!!! 🙂

  21. Allison says:

    I can see that you clearly like to have hard paper copies of things, however, for myself, I would rather have everything stored out on the cloud, electronically (with the exception of the emergency preparedness binder, of course.) You can blame my preference on a “Sustainability” thing. 😉 We haven’t had any ink in our printer for at least 3 years.. LOL! It would be Word docs for me, all the way!

  22. Laura says:

    Hi Toni!
    I am excited to purchase this kit:) Can you tell me if I will be able to print them smaller to fit in a planner rather than full size binder?

  23. Nikki says:

    Can’t wait for this to start. Downloaded the pages and am ready to go 🙂

  24. Kristine A says:

    I just made the change to a Mac computer and my husband did put Word for Mac 2011 on the computer. If I get the printables will I be able to make the necessary changes on them to match the needs of our budget with the program I have? Thanks.

  25. Leigh says:

    I can’t wait! I am very excited!!! You are the President of my organizational nation! 🙂

  26. Julie says:

    Oops! Sorry didn’t read close enough! 24 hours! Thanks!

  27. Becky Soubeyrand says:

    I ordered these but didn’t get a link to download the pdfs. Can you please send to me?


  28. Daria says:

    Toni, I love to organize as well -get teased about it a lot from my messy friends 🙂 – but the household budget is my downfall. I’ve just never gotten the right system. So, I’m planning to purchase your printables. I know I’m going to want to tweak them to fit my household. I don’t have a MAC, but my co-teacher does. If I download the editable version, will I be able to put it on a CD and change it on her computer? Thanks!

  29. Amy says:

    Would there be a way to purchase not through Paypal. Our account was hacked and bank accessed…we no longer Paypal. (They were not as helpful as they claim) 🙁

  30. Melissa says:

    Do you have free printables?

  31. Tara says:

    hi Toni
    I am interested in these but would like the editable word document so i am holding off as i’d like to be able to add sections but also use the £ not $ sign as im based in the UK but find your blogs very informative esp as a single mum studying full time at university with a teenager daughter, very inspired by your tips and advice thank you (i believe i stumbled across you via pinterest as well)

  32. Anonymous says:

    Hey Toni, I am interested in purchasing the system and actually going today to get the supplies. I am in desperate need of a budget (impulse shopper here :(). I do like to be able to edit categories so I can cusomize to my needs. I did see where the ones we purchase are not editable but saw a comment that you could send them in word format so that we can edit. I was just wondering how you wanted me to do this? purchase the system and then you would send them in word too?

    • Toni says:

      Its editable now! 🙂

      • Nicole says:

        Do you send them editable now or do we need to request it? I just purchased it as my husband and I are going to be sitting down next weekend to put a budget together and I am not good with this. I am the teacher and can teach you about science and now even kindergarten topics, but budgeting was never my strong suit. 🙂 I have a MAC as well do I need to do something different with that as I have pages instead of word?

        Thank you for your help! I truly appreciate all the guidance we can use it. 😉

  33. Lisa says:

    I just purchased these on Thursday and would like the editable ones for the Mac also.


  34. Thank you! I have been diligently tracking expenses and am looking forward to a adding these pretty printables to my “Mom’s BInder”.

  35. Shala says:

    Where on you site will you post when your budgeting forms become editable for non MAC users?

    • Toni says:

      IF you purchased, email me your paypal invoice and I will send the editable form.

  36. Whitney says:

    You should charge more to include the binder / tabs for a complete system. I honestly don’t have the time to go shopping to find the correct ones!

  37. Angela says:

    Hi, I just purchased your Budget worksheet printables. I read in your instructions there should be a page designated for yearly income, but I seem to be missing that page, and I am not able to look any more because it says “download has reached viewing limit.” Am I missing a page or am I reading something incorrectly? Thank you!!

    • Toni says:

      Angela, It’s pages 5-6. You should definitely have those pages in your file. 🙂

  38. Isabel Nel says:

    Hi, I live in South-Africa and would love to purchase the Household Budgeting Planner Kit, but struggling to do so. The only option your system alows me to purchase the Kit is through Paypal. Is there another option please.

  39. Rebecca Nelson says:

    Hi-I just purchased the Binder Budget. Can you email the MAC editable form please?
    Thanks so much and looking forward to getting this set up. Doing some re-organizing in my house and files. This will help!

  40. Irma says:

    I ordered my budget sheets on 5-11-13. I am getting a message saying “Don’t have permission to download this file.”

    What do I do?


    • rachel says:

      Hi Irma,
      Can you send a quick email to me at abfolassistant@gmail.com with your invoice and I’ll send a new copy to you. Not sure why there is an issue with the file you received but hopefully this will solve the problem.

  41. Lisa says:

    Hi I was wondering how soon after purchase of the budgeting bundle will I recieve the pdf’s. I am anxious to get started. I purchased them this am. Thank you

    • Toni says:

      Lisa. Thanks for your order. Please check your junk mail. If you didnt automatically get it, it went there.

  42. Cindi says:

    This budgeting set looks great! I’d like to purchase, but I don’t use a color printer. Can these forms be printed in black and white? Thanks.

  43. Veterkins says:


    I added the printables to my cart, lost my place and now I can’t find the cart to check out. What am I missing/can you help?

    • Toni says:

      IM not sure? Try refreshing your browser. Clear your history, etc… and go back to try again.

  44. Jennifer says:

    Am I able to get this in word as well? I purchased mine about a month ago, in PDF file.

  45. Hilliary says:

    Toni – I can’t find the buy now button 🙁 I am trying to purchase this 🙁

  46. Fabiola says:

    Can this document only be modified in Pages? I have mac but no Pages though…

  47. Fabiola says:

    I have a MAC but do not have Pages, could I still modify these files? And if so in what software? I ahve photoshop and illustrator and freehand. Thanks a bunch!

  48. Scarlett says:

    I think im confusing myself but not sure! I bought the budgeting kit that is teal and blue but when putting my folder kit together im finding that it doesn’t match up with yours! Do I have the right budget or is it supposed to be the rainbow looking one? Thank You!

  49. Kathryn says:

    Now into the month of July, I am trying to get a handle on my finances…finally!! When does the next class start and how do I attend. I’m new to all this computer stuff…HELP!


    • Rachel says:

      there aren’t any classes to attend. you can work through the posts that Toni has on the blog <HERE> to get all her tips on how to work a budget.

  50. misty says:

    I just purchased this kit but would like the editable one in Word. Can I get your email to send you my invoice?

  51. Bee says:

    I use. Personal filofax for my budget Re the printout available for a personal filofax planner

  52. Alicia says:

    Hello, I purchased the binder and then couldn’t print the paper’s out. I had trouble with my printer and then I came back and then the receipt said my download request expired. Is there anything I can do or even get a refund? I really looked forward to using the binder but unfortunately I can’t at this time. 🙁 Thanks!!

  53. Kat says:

    Are these printable in different sizes? I have a personal filofax and was hoping to keep this in there but not sure if I can print it at that size. Thank you!

    • Toni says:

      They are 8.5×11 size. I know the filofax is smaller. You may be able to shrink them and print on your printer settings?? I have not tried yet.

  54. Marcy says:

    Hi Toni,
    I purchased your budget printables and am super excited to start using them. I paid with my PayPal account and haven’t received a link to download them. Am I missing something?
    Also, is it possible to obtain the Word version too?
    Thanks for your help and I love your blog! I’m learning so much!
    -Marcy Cooley

  55. Christi Wilson says:

    I just purchased and downloaded the binder and all the printables. Can’t wait to get this set up!! We are very determined to get this new debt reduction plan started, and making it successful!! Thanks Toni, for all you do!

  56. Tiffany says:

    I have looked and looked for something to help me plan my budget. I finally found it in your budget kit! It is so easy to use and has really made a difference in my financial planning. I feel so much more at peace with my money. It was well worth the $10 to have this…it has made such a difference 🙂

  57. samara navi says:

    Hi Toni:
    I am wondering where to print your budget binder. I can’t see an Add to Cart.
    Thanks so much.

  58. Kimberly says:

    I keep pressing the add to cart button and it then it directs me to checkout that says my cart is empty. Can you help? Thanks!

  59. Allie says:

    Hi Toni,

    I purchased the printables yesterday and have yet to receive them (I’ve checked junk mail). I tried to email you through “contact me”, but didn’t get a response. I have confirmation of payment from PayPal. Can you help me?


    • Rachel says:

      I’ll be checking the email tonight. We get so many that it may take a little bit of time to get to them all. If you didn’t, I’ll need a copy of your invoice in order to resend the files. My apologies for the delay

  60. Ashley says:

    I am on a computer, there is no “add to cart” button to purchase these printables

  61. Erin G. says:

    where do i go to purchase the printables?

    • Rachel says:

      There should be a ‘buy now’ button on the page, but we are experiencing some technical difficulties. It should be up and running again soon. Please be sure to check back so you can purchase the printables.

  62. Jennifer says:

    I tried purchasing this Budget Binder, and got through all the steps until it said transaction not. Just curious if I did something wrong in the process, or if there is still some issues going on with purchasing this?!

  63. Janette says:

    Do you got a Spanish version please thank you

  64. Jeni Hucsktep says:

    I am looking at this and I see you had mentioned you only had word, editable docs for Mac. Is this still the case I have a PC and am thinking of buying, but need to be able to edit in Word on a pc. Is this possible yet thanks so much!

  65. Shirley says:

    Hi Toni / Rachel, I just bought the budgeting kit and would like to have the word documents for alteration. Please would you send them to my email? 🙂 Thanks a million!

  66. Karen Bennett says:

    I would really love to purchase the budget binder kit. As well as some other printables. My problem is my lab top & printer are very temperamental. It works when it wants to (printer). My son spilt water on laptop so that doesn’t work at all. Thank God for smartphones. Anyway, wanted to see if there was anyway I could pay you to mail me printables and I would pay extra plus shipping & handling. Would you be interested. I have to say How much I love your blog. I thought I was crazy till I met all of you. Thank you for all you do.
    Karen Bennett

    • Rachel says:

      We’re unable to provide printing but a suggestion would be to download to a flash drive and then have the printables done at an office supply store.

  67. Stefanie says:

    Toni, I’m wanting to purchase The Home Budgeting Planner, but could I get it in a word document, please?

  68. Tammy says:

    Hi, I just purchased the printables and would like the editable copy but I am not sure where to email?

  69. bri says:

    what size(s) does this come in?

    • Rachel says:

      This comes in 8.5 x 11 although some readers have had success adjusting the printing size on their printers, many have commented that it makes filling the spaces in more difficult.

  70. Kim says:

    Oh my goodness, what a beautiful budget binder! My husband has long managed our household budget and bills on his computer, but as he is back in school full time in addition to working full time, I have decided to become the Chief Financial Officer of the household. I work better on paper than copying and pasting numbers in spreadsheets. I like to see things written out in front of me. These printables seem like a great place for someone like me to start since I haven’t really managed the family budget in the past.

    My question is about the Income Tracker. We are a single-income family and my husband gets paid on the first of the month every month, the exact same amount. Is the Income Tracker worksheet going to be overkill for us?

    • Rachel says:

      I don’t think it would be overkill, but think it would be simple. It helps to see when and how much comes in!

  71. Sage says:

    Hey, i just purchased the printables, and in my automatic email confirmation there was no link…? >.< Oh no!

  72. christina says:

    Hi, I just bought your budget sheets and got the email. It won’t let me download. Its says the site is down or unavailable. Can you help?

    • Rachel says:

      Christina, will you do me a favor and send a copy of your invoice to abfolassistant@gmail.com and we’ll go from there. Thanks!

      • Kristie says:

        Rachel, I’m having the same issue as Christina with it not downloading. I went ahead and sent an email to the above address with invoice/receipt information attached. Thanks so much for any help 🙂

  73. bethany says:

    I just purchased your financial binder on pay pal and I can’t find it anywhere on my computer. It never gave me an option to open link. I’ve searched in finder the name it gave when I purchased it to no luck. Do you mind giving some suggestions or checking it out on your end? The pay pal account was in my husband’s name, Robert Fritts. Thanks.

    • Rachel says:

      Make sure you check the email connected to the paypal account. If it’s not in the inbox, check the spam folder. If you’re still unable to locate it, I’ll need you to send a copy of your invoice to abfolassistant@gmail.com and we’ll go from there.

  74. Nikki says:

    Do you have the snowball debt tracker included in this budget system? I am really interested in this…. 😉

    • Rachel says:

      no this type of form is not included but there are forms to keep track of your debts and how they are being dealt with.

  75. Kristi says:

    Hi Toni! I just happened to come across this budget system on Pinterest! I LOVE IT! Although I’m a year old, to everyone else’s comments, I would love to purchase these for this year.
    I was also reading that you have a editable version for Mac, I would love to get the edible in Word. Is that possible?
    I’m totally excited for this and I LOVE (!) the bright colors and fonts!!!!!!
    When I hear back from you, I will be purchasing! Thanks so much! Kristi

    • Rachel says:

      You can still order the budget binder, it is generic with no year on it. You’ll receive two files, one editable the other not.

  76. Kristie says:

    I paid for the Household Budgeting Kit via Paypal and received the link for the downloads. When I click on the link(s) it only reverts back to your homepage without downloading the pages to print. I’ve tried for the last five days but still unable to download. I sent an email on 01/06/2014 with a copy of invoice receipt in hopes that it might help. Thanks so much!

  77. Verita says:

    Hi Toni, just purchased the printables. I am using Mac and would like to be able to customize it to our needs. Can you help me with that? I cannot wait to start this. I know I am a bit late 😉

  78. Ashley says:

    I just purchased the printables. I tried to open the link sent in my email to download them and it says the link is not available. Please help me!

    • Toni says:

      Just send your paypal receipt to me and I will send it asap. 🙂

      • Whitney says:

        Hi! What email can I send the invoice to, to receive the forms that I can edit. My husband and I took FPU through our church a year ago. I’m excited to use these form to continue to monitor our progress. 🙂

  79. Amy says:

    Hi there, I’m interested in purchasing this budget kit; are the files still available in Word so I can customize to my needs? Just let me know 🙂

  80. Tania says:

    Great advice! I would love to create my own pages for budgeting. Did you use Excel to create these?

    Thank you!!

  81. Brittany W says:

    I purchased a binder and of course all the tabs stuck out the side. What binders do you use? I am a little OCD like that! Thanks so much!!!

  82. Maegan says:

    I bought the printables 3 days ago and still have not received an email with a link to print them. I have checked my spam folder and my inbox. I am looking forward to getting my budget organized, I already have a binder and everything else needed. Please help.

    • Toni says:

      If you didn’t receive them, you must not have put in your email address at checkout. Please send me your paypal receipt and i will resend. 😉

    • Maegan says:

      Got it! Thank You! So Excited to get started!

  83. Toni says:

    Kimberly Please send me yoour invoice.

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