The goal is to have as few double red spends as possible, and note the unplanned needs, those items might be an indicator of a sinking fund you need to start. I save red for marking the wants and unplanned spends, and green for marking the needs and planned spends. At the end of the week, tally up how much you spent in each category. Go through the Spending list and highlight each category you spent in. Write in your typical categories for your budget here, and then color code them each with a different highlighter. If you find you have a lot of U/N purchases, that might be a good indication of a Sinking Fund to start. Use this to learn, and make changes to get your spending in line with what you truly want. Like the Why column, please don't be too hard on yourself here. In the N/W column, write a N if the purchase was a Need (necessary), and a W if the purchase was a Want (unnecessary). Click here to subscribe.In the P/U column, write a P if you planned to spend this money, and write a U if this purchase was Unplanned. It will get you the members only password which will give you access to ALL of our free files. Want access to our hundreds of free printables including this free weekly tracker pdf? You can subscribe by email for free to our free Mom Envy club. 100 envelope challenge (this uses the cash envelopes system to save money for something of your choice.
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