2. Are you a goal setter? Financial goals are a must, and a budget binder helps you set and keep them. If you don’t have any financial goals, it’s time to make some. How about paying off student loans? Planning for retirement? Whatever you decide your goals are, a binder is a tangible way to set and track them.
3. If you have no idea where your money goes, it’s time to use a budget to track your spending. Your binder should have several helpful pages, and a spending tracker is just one of those. The binder also gives you a spot to save all those pesky receipts until your record your expenditures.