We all have that one special someone in our life that is so tough to buy for during the holidays.

For me, it is my husband.

He rarely needs anything, to begin with, and when he does he purchases it for himself. So when the holidays roll around, I am always racking my brain on what I should get for him.

This Cyber Monday, I’ve found the perfect gift for him! The Oral-B GENIUS Pro 8000 Rechargeable Toothbrush is on sale at Target for just $94.99 (originally $249.99)! This is SUCH a great deal so be sure to take advantage!

Why can’t it just be easy?!

Unlike me, he is very much into “techy” gifts. He likes the newest and coolest gadgets. When it comes to household items and technology I swear we have it all.

Each year I start to research the newest gadget that will be released right around the holiday season. And each year when I think I found the perfect gift, I come home to find that he had already bought it!

Not this year! Nope. I am going to get him an awesome gift that fits his “techy” criteria that can also serve a very useful purpose. Imagine a toothbrush that can personalize your cleaning experience. Look no further than the Oral-B GENIUS Pro 8000!

Details:
6 cleaning modes: Daily Clean, Gum Care, Sensitive, Whitening, Pro-clean, and Tongue cleaning.
Equipped with position detection technology so you never miss a zone while brushing.
Tracks your brushing via Bluetooth connectivity with the free Oral-B app

The Oral-B GENIUS Pro 8000 has all of that plus more!

My husband will now have clean teeth and a Smart travel case that charges his brush and his smartphone.

The Oral-B 8000 also has LED SmartRing with 12 colors for a personalized look.

This the cool technology that he loves! It protects his gums and is dentist inspirited, so it is also practical, which I love!

The best time to score the Oral-B GENIUS Pro 8000 is on CYBER MONDAY.

Only on Cyber Monday can you get this brush for $200 OFF the original price! The Oral-B 8000 originally retails for $249.99, but at Target for the Cyber Monday sale, it is ONLY $94.99.

It does not get better than this! I cannot wait to visit Target online on Cyber Monday to order my husband the best gift ever!

The post The Perfect Gift for That Hard to Buy for Person – ORAL-B CYBER MONDAY SAVINGS! appeared first on Frugal Fanatic.

Ever since I was a young girl, oral hygiene has been a priority for me. It’s ironic though because I very much dislike going to the dentist. Being the oldest of six kids, I felt it was my responsibility to make sure all of my siblings would brush their teeth at least twice per day. 

I was quite the mother hen! 

Right now you can get the premium Oral-B 7000 SmartSeries Rechargeable Toothbrush (originally $179.99) for just $74.94 on Amazon! This is a great toothbrush to gift this holiday season so be sure to take advantage! 

Our dentist is such a great guy, but that doesn’t mean I want to visit him more than I have to. 

Although I brush and floss regularly, I have sensitive teeth and gums. This has not been an issue for me until recently. 

Lately, my gums have been sore after brushing and I have noticed some slight discomfort when I eat cold foods. I tried the sensitive toothpaste, but that did not seem to help. 

I knew what I had to do. I bit the bullet and scheduled an appointment with our dentist. 

After a quick check-up and some x-rays, he ruled out any type of gum issues. Surprisingly, he told me that it was most likely from brushing too hard. 

When asked if I used just a regular old manual toothbrush, I said yes. He told me that I was being a bit too rough on my teeth and that I didn’t realize the pressure I may be putting on my teeth and gums. 

I was pleasantly surprised when he suggested an electric toothbrush.

I was so relieved to know that it was something I could easily correct. So what did I do? (Well, you know me… I am always looking for a good deal!) 

I hit the web to find out which brand I should choose and the best price. 

 The Oral-B 7000 hit every single box on my checklist! 

During my research, I discovered that it is accepted by the American Dental Association and that the round brush head surrounds each tooth to thoroughly brush along the gumline. Since part of my problem is applying too much pressure the feature that sold me is the visible pressure sensor that tells you when you’re brushing too hard.

The best time to score the Oral-B 7000 is TODAY on Black Friday. 

The savings cannot be beaten! 

Amazon is offering over $100 off! 

The Oral-B 7000 originally sells for $179.99, but on Black Friday you can get it for ONLY $79.94. 

Talk about an AMAZING deal!

Don’t miss your chance to score $100 off the Oral-B 7000!

The post My Gum Sensitivity Trick + Black Friday Savings with Oral-B! appeared first on Frugal Fanatic.

I love sitting down and planning out all of our monthly activities.

Between school events, sports, holidays and every other important date that pops up I need to make sure I stay organized and on top of everything.

Free 2020 Calendar Printables

You can get started with your planning with my free 2020 calendar printables.

You will get access to:

• Blank calendar to fill in each month
• Monthly to-do list
• Notes section to help you stay on track

I love using these mini sticky notes to color-code our events on my monthly calendar.

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When you download the file you will get access to all 12 months so you can start to plan out your year.

I don’t know why, but I love to still have a hard copy of my calendar.

Even though I use the digital calendar on my phone, I still like to print out the calendars and write in ou events.

It also helps my kids stay on track when they can see our monthly schedule planned out at the beginning of the month.

You can also check out my free 2020 Budget Binder printables.

Be sure to sign-up so you can get access to these 2020 calendar printables.

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Do you prefer a hard copy for your calendar or a digital calendar?

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The first step to saving money is becoming aware of your spending habits. This means, being able to see your income and expenses each month.

But, this takes some discipline and organization. 

I am here to help you with both!

To start saving money today, you need to commit to making a change with your finances and take action by downloading my 2020 Budget Binder Printables.

I know a lot of people are hesitant to even try budgeting let alone use a budgeting binder, but trust me the savings are worth it.

FREE Budget Binder Printables

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Trust me, you will be thanking yourself in a few months when you start to see your bank account increase. 

2020 Budget Binder Printables

Even if you are completely new to budgeting you can use these budget binder printables to track your finances.

It’s not about creating an unrealistic budget, but looking at your income and expenses and making a budget that fits with your lifestyle. 

I’m going to walk you through how I keep my finances organized by using my 2020 Budget Binder Printables.

2020 Budget Binder Includes The Following Worksheets:

• Cover
• Monthly Financial Goals
• Yearly Financial Goals
• Monthly Bill Tracker
• Monthly Budget
• Bank Account Information
• Debt Paydown
• Blank Calendar
• Blank 2018 Holidays & Observances

2020 Budget Binder Breakdown:

Monthly and Yearly Financial Goals

The Monthly Financial Goals sheet will allow you to reflect back and figure out what you can do differently each month. It also has an area for you to write down what you need to do to reach those goals.

The Yearly Financial Goals sheet offers you a place to write out your major goals for the year.

For example, one of your yearly goals may be to save up enough money to replace the roof the windows in your home. You could then write that in for Goal #1 along with the estimated cost and a date for when you would like to have it completed by.

This will help you to see why you are saving money or cutting back on other expenses throughout the year. This can also be a place where you write in a vacation goal. It will give you a deadline to have enough money saved up for your vacation.

Monthly Bill Tracker

This sheet is here to help you pay your bills on time. One of the top financial struggles I hate to admit it, but I am definitely guilty of not paying bills on time too. Don’t you just hate having to pay a late payment fee? Those costs can really start to add up.

Monthly Budget

You can use this sheet to easily track your income and expenses each month by filling in your totals. If you prefer, you can print my blank version and fill in all of your own expenses rather than using the pre-filled categories. I have a column for estimated so that you can budget your money and then a column for the actual amount of the expense each month.

To make it easy, I have even created a spreadsheet that will figure out the totals for you each month.

Bank Account Information

This sheet is pretty much self-explanatory, but it is nice to have all of this information together in one place. I have a separate bank account for my blog and we also have separate bank accounts for our four boys. It is nice to have the account numbers and routing information handy for when I need to make any kind of transaction. This is a great place to keep information for a savings account that you can directly deposit money into from each paycheck.

FREE Budget Binder Printables

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Debt Paydown

I am sure you can agree that paying down debt is extremely difficult. Being able to find extra money to put towards your debt each month is hard. You can use this printable to keep track of each creditor you have.

You can print a separate sheet for each creditor. For example, you can print a copy of this debt payoff planner for your car loan and then another copy for a credit card that you have.

This sheet can help you to decide which debt you are going to try to tackle first.

Blank Calendar

I like to include this calendar so that I can write down important dates and even keep track of when we will be receiving paychecks or other income. This will help you to figure out how much money you can budget each month.

This is also good to use if you have a special event or party coming up so that you can plan ahead for it.

{Related: Using a Gift Tracker & Budget}

Holiday & Observances

This sheet is in my budget binder so that I can plan our holiday spending and other occasions. I will compare those dates to our payday schedule and make sure I am budgeting enough money.

To create your own 2020 Budget Binder I recommend that you print the number of pages below.

You can then put them into a 3-ring binder to keep it together and easy to manage.

• 1- Cover
• 12- Monthly Financial Goals
• 1- Yearly Financial Goals
• 12- Monthly Bill Tracker
• 12- Monthly Budget
• 1- Bank Account Information {unless more are necessary}
• Debt Paydown {however many are necessary}
• 12 – Blank Calendars
• 1- Holidays & Observances

Once you have everything printed you will then need to assemble it.

This is how I assemble mine, but you can put it in the order that works best for you:

• Holidays & Observances
• Bank Account Information
• Emergency Fund Tracker
• Debt Paydown
• Yearly Financial Goals
• Blank Calendar
• Monthly Financial Goals
• Monthly Ledger
• Monthly Budget
• Monthly Bill Tracker

Repeat for each month {Blank Calendar – Monthly Bill Tracker}

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FREE Budget Binder Printables

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The post 2020 Budget Binder Printables appeared first on Frugal Fanatic.

Saving money is not something that just comes naturally for me. I am a mid-thirties mother of four with student loans, a mortgage, a car payment, and expenses that come along with extracurricular activities for the kids. Just listing those items out loud can feel overwhelming!

As of recently, my husband and I have been working hard to reach a goal of living a debt free lifestyle. We have been buckling down on our budget and only spending on the necessities. The rest has been going to our larger bills in order to get us to that big financial goal.

Setting the budget was not easy and living a penny pinching lifestyle has been an adjustment, but we know that doing this now will payoff in the future. Something that I have learned along the way though is to have that small savings stash for the “what if” moments that life throws at us.

There is always the fear of the unknown and the factor of what if something happens that we did not account for in our budget. I am not talking the catastrophic what if, but more along the lines of the washer or dryer dying on us mid-cycle or our garage door needing replaced. In order to cover us in an event like that, I started to save change and dollar bills here and there.

When I purchase gas or groceries with cash and have left over change I put the coins in a jar in the kitchen. I also started to save at least one $1 bill from my cash transactions. I simply drop it in the jar or put it in an envelope and forget about it.

A small habit like that doesn’t seem like it would pay off, but for us it definitely did! As much as I promised my younger self that I would never drive a minivan, here I am years later deep in this mom life… driving a minivan! Thank goodness for all of the awesome features of this vehicle that I could not live without and for it’s reliability! Without that I don’t know where I would be today.

Although it is a reliable vehicle, situations of the unknown still occur and in our case, that situation is a popped tire. One beautiful, sunny day I was driving along with my youngest two children, singing along to kidzbop when I heard the sound of the flat tire. Talk about a real buzz kill! I pulled over on the side of the road to assess the damage and unfortunately it wasn’t just a flat, the tire had been penetrated and popped by a piece of metal. The hole was too big for just a patch.

At first I sorta panicked, wondering how I would pay for this unexpected expense when I had just sent out a slew of bills. Lucky for me though, I had my little “what if” savings stash waiting for me in the kitchen! I had enough saved up to cover the tire, the tow truck fees, and even a tip for the driver!

Saving can be hard, but it doesn’t have to be impossible. If you are someone that doesn’t typically use cash, but would like to create a small “what if” stash like I did then I have got news for you! Varo offers a really cool feature called Save Your Change. It is an easy way to stash some money in your Varo Savings Account when you make purchases. Varo rounds up to the nearest dollar on eligible transactions and transfer the change from your Varo Bank Account to your Varo Savings Account.

With a feature like this, I have a feeling my “What If” fund is going to grow exponentially this year! Click here to learn more!

If you feel you could use some help with saving, a great place to start would be with Varo. As a “cool mom” I find a banking app to be super helpful and convenient. Everything I need is right there on my phone, which I have with me at all times anyway. The Varo app is available on iOS and Android.

Any chance to save for the future should be taken advantage of and unlike big banks that charge you for almost every single transaction, Varo is totally fee-free. By avoiding fees, you’re already ahead of the game.

Varo also offers fee-free, high-yield savings accounts that don’t require a minimum balance and automatic tools help you deposit money into your savings without thinking about it. Varo pays one of the highest Annual Percentage Yields (APY) of any other bank in the country!

Kickstart your financial future with a Varo Savings Account. No fees, early direct deposit, auto savings tools with high interest rates help you see all your money in one place. Check out www.varomoney.com.

The post Do You Have A What If Fund? appeared first on Frugal Fanatic.

It’s not a gimmick.

There is no catch.

It’s not a scam.

You just earn rebates when you use the Ebates site before you make your online purchase.

Related posts:

How I Earned More Than $1,000 Online

Can you Really Make Money Shopping Online with Ebates

Get Paid to Shop Online with Ebates

I’ve been using Ebates for a few years now and can honestly say that it’s been a wonderful experience and I continue to use them every single time I am shopping online.

The image above is a screenshot from a purchase I made at Ulta. I needed a few items so instead of just going to Ulta’s website, I headed to Ebates first. Then, I searched for Ulta clicked on their site and earned cash back on my purchase.

Ebates is free to use and will allow you to earn a percentage of each purchase in the form of a rebate. It is awesome because you get cash back on a purchase that you were going to make anyway.  

You literally get paid to shop online.

I purchase almost everything online so for me, Ebates is my go-to shopping site. Before I make any purchase I head over to their site to see the cash back amount I can receive then I click on the store I want to shop at to get what I need to buy.

You definitely can’t get rich shopping online with Ebates but it’s a nice little bonus that you can use on yourself. Ebates pays out quarterly so it’s a nice surprise when you get the payment every couple of months.

Plus, they offer a referral system where you can earn money when you refer your friends and family to use Ebates to get paid to shop online. For every person who signs up using your referral link and makes a qualifying purchase you receive a $5 bonus.

And… You get a $10 BONUS when you join their website. How cool is that?

Ebates has a partnership with more than 2,000 stores and they even have an option to earn cash back on in-store purchases.

Some of the stores include:

• Walmart
• Amazon
• Macy’s
• Kmart
• Staples
• Groupon
• Travelocity
• and much more!

Click here to see exactly how I get paid to shop online with Ebates. I go through the step-by-step process of how to sign up with Ebates and use their site to not only get discounts but earn cash back.

If you are looking for another site to get cash back on your purchases you can check out Ibotta. It offers you cash back rebates on all of your groceries. Learn more about Ibotta here.

Do you get paid to shop online? Have you ever tried Ebates?

The post Get Paid to Shop Online with Ebates appeared first on Frugal Fanatic.

We are officially a family of six! Yay! As our family grows, we realize that keeping track of our budget is more important than ever. Keeping track of our spending and staying within our limits was a resolution we made for 2019 and I am happy to say we are sticking to it.

Spending quality family time is important to us and so is making memories that we will cherish forever. Our family is willing to sacrifice in some areas throughout the year in order to be able to take a nice, relaxing family vacation.

The only way we can afford to do so is by budgeting not only throughout the year, but also setting a budget for our trip.

With summer right around the corner, many others are also thinking about vacations to take. But the cost of booking a getaway can be intimidating – and for some, not feasible. According to CreditDonkey,
the average vacation costs $1,145 per person, or $4,580 for a family of four.

But it is possible to save money while enjoying a nice vacation. Check out the tips below on how to budget and spend smart during your holiday.

Make a budget
Before you book your plane ticket or hotel room, determine how much you can spend on your trip. This will help you decide on the perfect destination that won’t break the bank. Whether you want to get organized or just map out exactly what you can spend, tools like Axiom Bank’s AxiomGO mobile banking app can help. The My $ Manager function will help keep you on track and strategize your vacation spending.

Surf travel sites
Trying to find the best deals on airfare or hotels can be time-consuming and discouraging. Booking your trip through a travel site can help you find the best rates, as well as knock out multiple reservations at once, like your hotel, transportation and rental car. Sites like Expedia, Travelocity, Kayak and Orbitz will scour for the best rates so you can be sure you’re saving where it counts.

Go for the off-season
It’s no secret that certain times of the year for destinations are busier than others, and therefore, pricier. Take advantage of lower rates by booking your trip during off-peak times – not only will you save money, but you’ll probably avoid crowds and be able to relax even more.

Avoid hidden costs
Mapping out costs of plane tickets, hotel rooms or rental cars can be fairly obvious expenses but remember that there are other costs that can creep up later – meals, souvenirs, parking, resort fees and more. To avoid extra spending, try booking lodging with a kitchenette or an Airbnb so you can prepare your own meals to reduce dining costs. Also, pack lightly so you don’t have to check luggage. What may seem like minor costs can add up quickly, so make sure you’re keeping track! You can use AxiomGo’s My$ Manager feature to set spending limits, note what you’ve spent and where you can save. It’ll even provide alerts so you’re always informed.

The best things in life are free
Finally, one of the best ways to save money on vacation is to seek out free activities. If you’re vacationing in a city, take in the sights at landmarks or historic places. If you’re in the tropics, relax on a beach or have an oceanside picnic. There are many ways to make the most of your trip without opening your wallet, so do some research on your destination before you arrive!

Using an app to track our spending makes budgeting a breeze! Creating a budget and sticking to a plan means I can spend vacation relaxing instead of worrying.

The post Vacationing On A Budget appeared first on Frugal Fanatic.

Picture this: A vacation you have been planning for months is finally coming to fruition. You pack your bags, board your flight, and arrive at the busy airport. You can  feel the warm breeze from the ocean already. Once you grab your belongings from the bag check carousel it’s time to head to the rental car desk to get your ride for the week. Your excitement is overwhelming now because you are just minutes from relaxation and fun, but to your surprise the clerk at the desk tells you that you in fact cannot rent a car.

Wait, what?! All because you have been trying to reach your goal of being debt free and a month ago you cut up that credit card that was causing you so much financial stress.

Sounds like a nightmare, but this exact situation happened recently to my husband and I when we were traveling. It really put a damper on the trip as we had to call my parents to reserve the car and then pay them back. It was embarrassing and such a hassle!!

When I heard about the new policy change that Dollar Car Rental had recently rolled out, I was ecstatic to share! I called my husband just to tell him the good news and we shared a laugh when reminiscing back to that vacation! He couldn’t believe when I told him that Dollar Car Rental is now allowing customers to reserve a vehicle using a debit card.

In an ongoing effort to not only listen to their customers, but to also be proactive
with superb customer service, Dollar is now rolling out a first-of-it’s-kind debit card policy to make travel easier for them.

When it comes to customer service and being budget friendly, Dollar Car Rental has you covered. Not only are they making it easier to reserve a vehicle with a debit card on top of their amazing rates, they are now allowing customers that are 20 years or older to reserve a vehicle.

The innovative debit card policy makes it easier for customers to reserve vehicles using a debit card by:
o Eliminating credit checks.
o Reducing proof of return travel and ID requirements.
o Lowering the renter age restriction from 25 to 20.
o Reducing the incidental hold amount from $350 to up to $200 to match credit card rentals.
o Rentals booked more than 24 hours in advance will only require a debit card and Driver’s
License, and rentals booked for less than 24 hours will require two forms of identification and
proof of return travel.

These changes are music to my budget friendly ears! I refuse to travel without shopping around to find the best deals and rates.  For more information on this new policy, visit Dollar Car Rental online. I can say with confidence that nothing comes close to Dollar Car Rental!

The post How To Rent A Car Hassle-Free appeared first on Frugal Fanatic.

If you’re into traditions, you know it’s that time of year when many of us set out with good intentions for our New Year’s resolutions. Saving money in the year to come is often on top of the list. I know that in our house, we always go a bit beyond our holiday spending budget. It always seems that things that we forgot to calculate seem to just pop up! Maybe it is dining out one too many times because we were too busy shopping to cook, or we forgot to calculate the amount for a gift card for our mail carrier.

Whatever the case may be we plan to tighten our budget and actually stick to our plan as a New Year’s resolution!

Did you know that tackling your finances is actually one of the most common New Year’s resolutions? Although most of us vow to do so, according to U.S. News and World Report, a whopping 80 percent of us revert to our old habits by mid-February. Let’s make 2019 the year of changing this statistic and actually sticking to our plan.

It may feel easier said than done, but you are in luck. Check out these 4 steps for keeping your financial goals on track all year long.

Here are some steps to help keep your financial goals on track in 2019:
 Step 1: Get organized.
It’s important to map out your goals by writing them down on paper. In fact, that’s what
billionaire Richard Branson does, and told CNBC it’s been one of his secrets to success. Branson
says a written record allows him to reference something every morning and get in the mindset
to tackle what’s on the list. Checking items off can help motivate you to keep moving forward.

 Step 2: Set measures for success.
When you sit down to begin writing your goals, start small and be as detailed as possible. Set
daily targets that ultimately work toward your major objective, such as saving money or paying
off debt. Tools, like Axiom Bank’s AxiomGO mobile app, can also help set measurable marks for
smart saving and spending. The My $ Manager function allows you to input your goals and track
your progress.

 Step 3: Study your spending habits.
Many of us think we have a good grasp on how we spend our money. But if you find yourself a
little short at the end of the month, it might be time to study where the money is going. Where
can you cut back? AxiomGO makes this process easy. You can create individual spending
buckets, such as mortgage/rent, car, gas, groceries, entertainment, etc., and set a limit for each.
The My $ Manager function automatically tallies money from that category and alerts you when
you’re reaching the limit you set.

 Step 4: Start now!
It’s easy to keep putting things off but procrastination limits your ability to get ahead. Billionaire
Warren Buffett agrees. He says getting control of your finances is all about mindset. You have to
make a conscious effort to stick with your budget. Think about ways to engage and challenge
yourself to meet goals, such as going a day without spending money on non-essential purchases.

Developing a new habit takes time, but the easy to follow lesson Richard Branson applies every day is “try and try again, but never give up!” So cheers to making 2019 the year you take control of your finances.

The post Steps To Keep Your Financial Goals On Track In 2019 appeared first on Frugal Fanatic.

Use my free 2019 budget binder worksheets to gain control of your finances.

How can you save money if you don’t know how and where you are spending it? It is important to stay organized with your finances so that you can stay out of debt.

Want to know how?

Using a budget binder!

The first step to saving money is committing to making a change.

I know a lot of people are hesitant to even try budgeting let alone use a budgeting binder, but trust me the savings are worth it.

Print my 2019 Budget Binder worksheets today so that you can take this first step in your financial journey.

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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Even if you are completely new to budgeting you can use this budget binder to track your finances.

Step one is to sit down and track your income and expenses.

You need to look at all of your income and expenses to be able to create a budget that will fit with lifestyle.

I am going to walk you through how I keep my finances organized by using my 2019 Budget Binder.

2019 Budget Binder includes the following worksheets:

• Cover
• Monthly Financial Goals
• Yearly Financial Goals
• Monthly Bill Tracker
• Monthly Budget
• Bank Account Information
• Debt Paydown
• Blank Calendar
• Blank 2018 Holidays & Observances

2019 Budget Binder Breakdown:

Monthly and Yearly Financial Goals

The Monthly Financial Goals sheet will allow you to reflect back and figure out what you can do differently each month. It also has an area for you to write down what you need to do to reach those goals.

The Yearly Financial Goals sheet offers you a place to write out your major goals for the year.

For example, one of your yearly goals may be to save up enough money to replace the roof the windows in your home. You could then write that in for Goal #1 along with the estimated cost and a date for when you would like to have it completed by.

This will help you to see why you are saving money or cutting back on other expenses throughout the year. This can also be a place where you write in a vacation goal. It will give you a deadline to have enough money saved up for your vacation.

Monthly Bill Tracker

This sheet is here to help you pay your bills on time. One of the top financial struggles I hate to admit it, but I am definitely guilty of not paying bills on time too. Don’t you just hate having to pay a late payment fee? Those costs can really start to add up.

Monthly Budget

You can use this sheet to easily track your income and expenses each month by filling in your totals. If you prefer, you can print my blank version and fill in all of your own expenses rather than using the pre-filled categories. I have a column for estimated so that you can budget your money and then a column for the actual amount of the expense each month.

To make it easy, I have even created a spreadsheet that will figure out the totals for you each month.

FREE 2019 Budget Binder Printables

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Bank Account Information

This sheet is pretty much self-explanatory, but it is nice to have all of this information together in one place. I have a separate bank account for my blog and we also have separate bank accounts for our four boys. It is nice to have the account numbers and routing information handy for when I need to make any kind of transaction. This is a great place to keep information for a savings account that you can directly deposit money into from each paycheck.

Debt Paydown

I am sure you can agree that paying down debt is extremely difficult. Being able to find extra money to put towards your debt each month is hard. You can use this printable to keep track of each creditor you have.

You can print a separate sheet for each creditor. For example, you can print a copy of this debt payoff planner for your car loan and then another copy for a credit card that you have.

This sheet can help you to decide which debt you are going to try to tackle first.

Blank Calendar

I like to include this calendar so that I can write down important dates and even keep track of when we will be receiving paychecks or other income. This will help you to figure out how much money you can budget each month.

This is also good to use if you have a special event or party coming up so that you can plan ahead for it.

{Related: Using a Gift Tracker & Budget}

Holiday & Observances

This sheet is in my budget binder so that I can plan our holiday spending and other occasions. I will compare those dates to our payday schedule and make sure I am budgeting enough money.

To create your own 2019 Budget Binder I recommend that you print the number of pages below.

You can then put them into a 3-ring binder to keep it together and easy to manage.

• 1- Cover
• 12- Monthly Financial Goals
• 1- Yearly Financial Goals
• 12- Monthly Bill Tracker
• 12- Monthly Budget
• 1- Bank Account Information {unless more are necessary}
• Debt Paydown {however many are necessary}
• 12 – Blank Calendars
• 1- Holidays & Observances

Once you have everything printed you will then need to assemble it.

This is how I assemble mine, but you can put it in the order that works best for you:

• Holidays & Observances
• Bank Account Information
• Emergency Fund Tracker
• Debt Paydown
• Yearly Financial Goals
• Blank Calendar
• Monthly Financial Goals
• Monthly Ledger
• Monthly Budget
• Monthly Bill Tracker

Repeat for each month {Blank Calendar – Monthly Bill Tracker}

Sign up now to get the 2019 Budget Binder sent right to your inbox!

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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The post 2019 Budget Binder Worksheets – free download appeared first on Frugal Fanatic.

Every year when Black Friday rolls around I make two lists. I make a list of items that we need and the items that we want. Once the lists are ready I try to sort them in order of priority because the “want” list always seems to be much longer than I would like to admit. Once the lists are prioritized and my budget is set, I’ll make a nice little shopping game plan.

This year, a main focus of mine is the need list. Now that my kids are getting a little older and their lists for Santa seem to be growing just as fast as they are, I want to start to shift the focus onto more important things about the holidays and not just the “stuff” that they want.

I am going to make sure the bulk of the budget goes towards family needs for happiness, health, and overall well-being.  I’ve come across some great deals that cover most of the bases in the necessity department for this year. So I’m totally stoked to shop til I drop this Black Friday!

One in particular that I know I am not going to miss out on is the Oral-B 7000 Black Friday deal at Target. Let’s just talk about the insane savings on this brush this Black Friday! Normally the price is $179.99 and on Black Friday it is only $79.99!! Now that is some serious savings!

Why am I so excited about a toothbrush anyway? Well, I am definitely guilty of brushing too hard, and my dentist lets me know about it every visit. This particular brush, the Oral-B 7000, is equipped with sophisticated pressure-sensor technology alerts you if you are brushing too hard and automatically decelerates the pulsation and oscillation speeds of the brush head.

On top of that, with six High-Performance Brushing Modes: Daily Clean, Deep Clean, Whitening, Massage, Sensitive and Tongue Cleaning I know I cannot go wrong! I just love the gratification of getting a great deal!

Now, the next task on my agenda for Black Friday shopping is getting my daughter to agree to wake up early and hit the stores with me! If you’re going to be out this Friday… Happy Shopping to you! Don’t forget to share the amazing deals you get in our comments section.

The post Prepare Your Holiday List To Save Money appeared first on Frugal Fanatic.

Is it just me or did 2018 fly right on by? The quickly approaching holidays bring a lot of financial changes for most of us. Our food budget increases around Thanksgiving time in order to fill our tables with all of the traditional, delicious dishes. Then comes December and our overall spending budget seems to increase as we attend gatherings, purchase gifts, and travel to see family and friends.

We’re approaching what’s often dubbed “the most wonderful time of the year.” While many Americans are excited about the holidays and are mapping out their Black Friday shopping plans, countless others are worried about the seasonal impact on their wallet. It can sometimes be a choice between paying a bill or giving a gift.

A new Gallup poll shows Americans plan to spend more this holiday season. In fact, many adults admit they will likely spend just over $1,000 on gifts this year, up 4 percent from 2017, according to Business
Wire.

It’s no secret that many of us overspend at the holidays, even if we create a budget. Last year, a Coinstar survey of 2,000 people found that 65 percent said they set a budget, but 77 percent expected to exceed that amount.

Don’t let the Grinch steal your holiday cheer! Consider the following tools designed to keep you on track with our holiday spending.

A Reliable Approach
It may seem outdated, but the trusty old envelope is still a good way to budget for the holidays. Withdraw a specific dollar amount, (perhaps $5 per pay period), put it in an envelope, and store it in a place you won’t forget, but also won’t be tempted to draw from. Use this cash when it’s time to start crossing names off your gift list. You’ll avoid worrying about overdrafting the bank account and paying interest on your credit card.

If “old school” isn’t your thing, you can save the high-tech way, too. With the My $ Manager tool in
Axiom Bank’s AxiomGO mobile app, you can budget for the holidays as early as you want. Think of it as the digital envelope approach.

From the Heart
You don’t have to be Picasso, Michelangelo or even a famous poet to give creatively. Sometimes the best gift comes directly from the heart. Put thought into every gift. Spend time writing a love letter, or make a donation to a charitable organization on behalf of a friend or family member.

Save by Watching Your Spending
Do you know how much you spend on an average day? Do you buy your breakfast, lunch or dinner? That could be an extra $30-35 (or more) in your pocket. At the end of the week that could add up to $150. At the end of the month that’s $600.

Smarter spending choices equal more savings. The My $ Manager tool in AxiomGO helps track your
habits by categorizing each purchase and setting limits.

Year-Round Shopping
It doesn’t matter when you start holiday shopping. Being on the look-out year-round can eliminate last-minute stress, and spreading out your spending won’t be such a hit to the bank account. Be sure to keep your eyes open whenever you visit a store; you never know what treasure may be sitting on a shelf.

My husband and I have already started applying these tips and are seeing the financial benefits!

The post How To Stay On Track With Your Holiday Spending appeared first on Frugal Fanatic.

My family and I love having a calendar where we can write in all of our important dates, holidays, parties and sporting events.

Free Blank 2019 Calendar Printables

Get started today by printing my free blank 2019 calendars!

Included in each of the 2019 blank calendars:

• Blank calendar to fill in each month
• Monthly to-do list
• Notes section to help you stay on track

These calendars are great to plan tasks, events, family activities or even your work schedule.

I love to color code mine so they stay neat and organized.

They also work well for meal planning, schoolwork, and fitness schedules!

Feel free to print as many copies as you need of my free blank 2019 calendars.

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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They make planning to simple and easy to do.

The post Free Blank 2019 Calendar Printables appeared first on Frugal Fanatic.

Since our big move last Summer, my husband and I have been really focusing on our financial planning and making sure we are living comfortable while still contributing to our future savings. With three children and one on the way, finanacially planning for the future is a huge priority for us.

Neither one of us have a background in banking or financial planning, so a convenient, easy to follow plan is key for us. Simple is how we like it over here! (As if 4 kids and a dog make anything simple.)

October is National Financial Planning Month, and there’s no better time to evaluate whether
you’re setting yourself up for long-term success. While budgeting helps you meet short-term
needs and goals, financial planning is more about thinking years in advance.
The good news is, you can take several simple steps to get on track today:

 Envision the future. Where do you want to be in 5, 10 or 15 years? Do you hope to
purchase a first or larger home, take more vacations or put money away for children’s
college years? What type of lifestyle do you hope to have in your retirement years?
Write down your values with your loved ones, then meet with a trusted financial advisor
to attach monetary milestones to your goals.

 Bring it all together. When you’re making long-term plans, make sure you’re factoring in
all your financial data. Look for a mobile banking app that brings together all your
accounts. With the Axiom Bank’s AxiomGO app integrated budgeting tool, My $
Manager, you can aggregate checking, savings, loans, 401ks, IRAs and other income
streams as well as your debt in one place, without having to sign in to multiple apps or
use a complicated spreadsheet.

 Make choices that support your goals. Once you’ve charted out your financial goals,
you need a structure that helps you start and sustain smart daily habits that will drive
you toward your goals. The My $ Manager budgeting tool in the AxiomGO app allows
you to input your savings targets and keep track of progress.

 Sacrifice today, enjoy tomorrow. Along the same lines, your spending habits may have
more sway on your long-term finances than you think. My $ Manager allows you to cap
spending in certain categories. It automatically pulls your debit card transactions into
the relevant buckets. For instance, an evening at the movies comes out of your
entertainment budget. It’s an easy way to analyze your patterns and stay on target.

By following those easy steps, my husband and I are able to not only save money now, but plan a comfortable future for our growing family. Although sacrificing today to enjoy tomorrow was one of the harder of the steps, it was really eye opening for us to just how much money we were spending on all of the “extras.” We have a better understanding now of money management and what that really means for the long run.

When it comes to long-term financial planning, rest assured that there are tools to make the
task easier. Envisioning your future with confidence is just a few smartphone taps away.

The post How To Plan For Your Financial Future appeared first on Frugal Fanatic.

This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #GiantEaglePerks #cbias #CollectiveBias

Moving into a new home is so exciting! We recently moved our family into a new home and all of a sudden my inner decorating goddess emerged. I just love decorating the new space and making it our own. Of course decorating and buying new household items is fun, but it can really take a toll on the family budget. Luckily, I found a way to have the best of both worlds!

Giant Eagle is my one stop shop for savings. The more we spend, the more we save! Giant Eagle and the fuelperks+ program are the perfect way for me to decorate on a budget and save some dough that can be used for our family Summer fun list. When I stock up on gift cards from Giant Eagle for my favorite home goods and home improvement stores I save money at the pump with fuelperks+.

I finally was able to decorate the kids’ bathroom today! I hit up our local West Mifflin Giant Eagle to just grab a gift card for the items I needed in order to decorate, but of course I was sidetracked by savings. My favorite hand soap was on sale for only $1! I couldn’t believe it was only a $1 so I grabbed a few extra for back-up and while I was there I ended up getting all of the bath essentials needed to stock the kids’ bathroom. New toothbrushes, new toothpaste, loofas, and so much more! My trip today alone earned me $0.20 in fuelperks+.

Perfect timing too, because the “mom-mobile” was running low on gas. Next stop was GetGo to cash in on my fuelperks+ savings. My previous savings in addition to today’s savings earned me $0.33 off per gallon! With gas prices today, every little bit counts and I couldn’t imagine filling my tank without the fuelperks+ savings!  Click here to learn more about fuelperks+

Saving has never been so easy!

Here is how you can save on your next home decor project:

Step 1- Browse the internet for design ideas from the pros. Take screen shots of ideas that you like and then measure your space.
Step 2- Check out your favorite home goods stores online or maybe even window shop if you have the time. This allows you to see which stores carry the items for the look you are planning to recreate.
Step 3- Hit up your local Giant Eagle and stock up on gift cards for the stores of your choice. This is the part that saves you the big bucks! Earn fuelperks+ on the money spent on the gift cards.
Step 4- Shop for your favorite style and make your imagination a reality.
Step 5- Save extra cash the next time you fill your tank.

Think of it this way… if you are going to spend the money on new decor anyway, why not spend it through buying a gift card from Giant Eagle and in turn saving at the pump?!

#GiantEaglePerks #cbias #CollectiveBias

What is your next home improvement project? Comment below with your before and after photos!

The post How To Save Time And Money Decorating appeared first on Frugal Fanatic.

Last night when I walked into the bathroom the sweet aroma took me back to when I was a kid.  I know, I know, when you typically hear the words sweet and aroma the bathroom isn’t the first thing that comes to mind. But in this case, the classic scent of Ivory soap that filled the room reminded me of bath time when I was young.

My son, the sophisticated six year old that he is, was drawing a bath for his baby sister. He loves to help out when he can and I am not one to say no. With three little ones to look after, this mama is exhausted!

He filled the tub with warm water and Ivory Clean Body Wash so she could splash around in the bubbles. When it comes to her baby soft skin, I just love that I don’t have to worry about all of the harsh chemicals that most bubble bath and body washes contain.

Ivory Clean is free of dyes and heavy perfumes and reflects over 130 years of experience creating gentle products the whole family can trust. This is such a relief to me because it’s a one and done! I am not purchasing multiple products for each member of the family which in turn saves us money as well.

When my sweet baby girl was done playing and splashing in the bubbles, her big brother sat and read a bedtime story to her. These are the moments I will forever cherish!

In the mix of the routine, we can’t forget about our little pickle in the middle. That is one of the many nicknames that we have for our daughter, Maleah. She is such a little lady in the making and just loves to “do what mommy does.” Honestly though, I cannot complain! She will only be this little for so long, and these will be the moments that I will long for once she’s grown.

So for her, we did a mini facial. She loves to use Ivory Bar Soap because of the fresh, clean scent and the way it lathers. I love it because it is 99.44% Pure and I know it will not be harsh on her skin. I can remember doing the same thing as a child at my grandmother’s house. She always had a bar of Ivory soap in the dish on the sink. I would wear her terrycloth headband to keep the hair off of my face and use the Ivory bar soap to wash off the day.

Our sweet night time routine is becoming a ritual around here and I am more than delighted to incorporate the same, trusted, Ivory products that both my mother and grandmother used with their little ones.

The post Simplifying The Night Time Routine appeared first on Frugal Fanatic.

Want to live on a budget so that you can get out of debt?

I am here to help! The first step to saving money is committing to the process to make changes.

An easy way to get started is by using budgeting worksheets to help you stay on track. I know a lot of people are hesitant to even try budgeting let alone using a budgeting binder, but trust me the savings are worth it.

Print my 2018 Budget Binder worksheets today so that you can take this first step in your financial journey.

FREE 2018 Budget Binder Printables

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This budget binder will help you to stay organized and keep you on track. Even if you are completely new to budgeting you can use this budget binder to track your finances.

In order for you to save money and learn how to make changes with your spending you need to be able to see a snapshot of your finances right now.

You need to be able to see the big picture to better grasp your financial situation before you figure out how you will increase your savings account.

Step one is to sit down and track your income and expenses. This is the easiest way for you to get started.

You need to look at all of your income and expenses to be able to create a budget that will fits into your lifestyle.

Budgeting is actually a simple process if you are willing to devote a few minutes every day or a specific time slot weekly.

I am going to walk you through how I keep my finances organized by using my 2018 Budget Binder.

You can also watch my quick video I created to tell you exactly how I use each printable in this binder.

2018 Budget Binder Includes:

• Cover
• Monthly Financial Goals
• Yearly Financial Goals
• Monthly Bill Tracker
• Monthly Budget
• Bank Account Information
• Debt Paydown
• Blank Calendar
• Blank 2018 Holidays & Observances

2018 Budget Binder Breakdown:

Monthly and Yearly Financial Goals

I like to sit down and set monthly and yearly financial goals. The Monthly Financial Goals sheet will allow you to reflect back and figure out what you can do differently each month. It also has an area for you to write down what you need to do to reach those goals.

The Yearly Financial Goals sheet offers you a place to write out your major goals for the year.

For example, one of your yearly goals may be to save up enough money to replace the roof on your home. You could then write that in for Goal #1 along with the estimated cost and a date for when you would like to have it completed by.

This will help you to see why you are saving money or cutting back on other expenses throughout the year. This can also be a place where you write in a vacation goal. It will give you a deadline to have enough money saved up for your vacation. Then, each month your goal might be to put away an extra $100 for that vacation and you can use the monthly financial goal sheet for a more specific goal.

Monthly Bill Tracker

I love having this sheet in my binder because it allows me to pay my bills on time and stay organized. One of the top financial struggles I hear from my readers is remembering to pay bills on time. I hate to admit it, but I am definitely guilty of not paying bills on time too. Don’t you just hate having to pay a late payment fee? Those costs really add up. This printable will prevent you from having to put out extra money each month when paying your bills.

Monthly Budget

If you have been around my blog then you have probably seen my monthly budget printable. It is extremely simple to use and I have heard a lot of positive feedback from my readers who use it.

For this sheet, you can easily track your income and expenses each month by filling in your totals. If you prefer, you can print my blank version and fill in all of your own expenses rather than using the pre-filled categories. I have a column for estimated so that you can budget your money and then a column for the actual amount of the expense each month.

To make it easy, I have even created an spreadsheet that will figure out the totals for you each month.

FREE Budget Binder Printables

Subscribe to gain access to my exclusive budget binder printables and stay up to date by joining my weekly newsletter!

FREE 2018 Budget Binder Printables

Subscribe to gain access to my exclusive budget binder printables and stay up to date by joining my weekly newsletter!

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First Name

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Bank Account Information

This sheet is pretty much self explanatory, but it is nice to have all of this information together in one place. I have a separate bank account for my blog and we also have separate bank accounts for our three boys. It is nice to have the account numbers and routing information handy for when I need to make any kind of transaction. This is a great place to keep information for a savings account that you can directly deposit money into from each paycheck.

Debt Paydown

I am sure you can agree that paying down debt is extremely difficult. Being able to find extra money to put towards your debt each month is hard. You can use this printable to keep track of each creditor you have. For example, you will want to print out a copy for each loan or credit card. This will help you to keep track of the amount of debt you have with each one while staying organized to pay it off. It will help you to track the interest rates, balances and payments you make.

You can print a separate sheet for each creditor. For example, you can print a copy of this debt payoff planner for your car loan and then another copy for a credit card that you have.

This will help you to keep track of your debt and help you to stay organized while paying it off. You can track the interest rate, balances and all payments that you make. This sheet can help you to decide which debt you are going to try to tackle first.

Blank Calendar

I like to include this calendar so that I can write down important dates and even keep track of when we will be receiving paychecks or other income. This will help you to figure out how much money you can budget each month. There are certain months where my husband will receive an extra paycheck because of the amount of weeks in that month.

This is also good to use if you have a special event of party coming up so that you can plan ahead for it.

{Related: Using a Gift Tracker & Budget}

Holiday & Observances

This sheet is in my budget binder so that I can plan our spending for holidays and other occasions. I will compare those dates to our payday schedule and make sure I am budgeting enough money.

To create your own 2018 Budget Binder I recommend that you print the number of pages below. You can then put them into a 3-ring binder to keep it together and easy to manage.

1- Cover

12- Monthly Financial Goals

1- Yearly Financial Goals

12- Monthly Bill Tracker

12- Monthly Budget

1- Bank Account Information {unless more are necessary}

Debt Paydown {however many are necessary}

12 – Blank Calendars

1- Holidays & Observances

Once you have everything printed you will then need to assemble it. I use a standard white binder that has the plastic piece in the front to slip the cover page into. This is how I assemble mine, but you can put it in the order that works best for you:

Holidays & Observances

Bank Account Information

Emergency Fund Tracker

Debt Paydown

Yearly Financial Goals

Blank Calendar

Monthly Financial Goals

Monthly Ledger

Monthly Budget

Monthly Bill Tracker

Repeat for each month {Blank Calendar – Monthly Bill Tracker}

Sign up now to get the 2018 Budget Binder sent right to your inbox!

FREE 2018 Budget Binder Printables

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The post 2018 Budget Binder appeared first on Frugal Fanatic.

Check out the list below of 5 dollar store hacks to simplify your life.

Related posts:

13 Dollar store organization ideas

5 Steps for beginner budgeters

Good financial habits to start doing today

5 Dollar Store Hacks to Simplify Your Life

1- Dollar store first aid kit.

Hit the dollar store to stock up on items for a simple first aid kit to keep in your car! Enjoy peace of mind knowing you have bandages and ointment for minor scrapes and cuts when you’re out on an adventure. Mama Cheaps – DIY Dollar Store First Aid Kit

2- Bathroom drawer organizers.

Grab some of those little plastic bins at the dollar store to organize your messy bathroom drawers. You’ll never waste five minutes fumbling around for mascara again! Summery Umbrella- Dollar Store Bathroom Drawer Organization

3- Wall mounted towel baskets.

Attach some cute dollar store baskets to the bathroom walls to hold towels and washcloths. Making Lemonade – Wall Mounted Towel Baskets

4- File box bathroom storage.

Use a metal file box to store hot hair tools like straightening irons. Easy! Dream Green DIY – File Box Bathroom Storage

5- Magnetic organizer.

Grab a dollar store cookie sheet and make a cute magnet board to organize reminders! The Crazy Craft Lady – Magnetic Organizer

With a little creativity and some bargain shopping you can create something amazing. Have you tried any of these dollar store hacks?

The post 5 Dollar Store Hacks to Simplify Your Life appeared first on Frugal Fanatic.

But, it was mainly because I didn’t have a way to stay organized or on track. Using a meal planner worksheet can help you not only plan your meals for the week but also save money on your food budget.

Check out the list below of 15 free meal planning worksheets.

Related posts:

Meal planning on a budget

25 Freezer meals

How to meal plan the right way

15 Free Meal Planning Worksheets

#1 – Meal Prep Power Hour Worksheets

Think meal planning has to take all day? Think again! Use this worksheet to plan simple, healthy meals in record time. A Butterful Mind – Meal Prep Power Hour Worksheets

#2 – Prepping and Planning

Take care of your meal plan and grocery list with these easy-to-use worksheets. To Insanity and Back – Prepping and Planning

#3 – Recipe Binder Printables

Plan delicious meals for the whole family with these fun printables that go perfectly with your family management binder! The Bewitchin Kitchen – Recipe Binder Printables

#4 – Make Meal Planning Simple

Meal planning doesn’t have to be hard or time-consuming! Start meal planning the easy way with this simple downloadable. The (Mostly) Simple Life – Make Meal Planning Simple

#5 – Freezer Cooking Planning Worksheets

Save even more time and money with freezer cooking! Get started with these handy worksheets. Money Saving Mom – Freezer Cooking Planning Worksheets

#6 – Weekly Meal Planning Worksheet

If monthly meal planning isn’t working for you, try planning a week at a time with this simple chart. Merlot Mommy – Weekly Meal Planning Worksheet

#7 – Weekly Meal Prep Checklist

Organize and streamline your weekly meal prep tasks with this unique and crazy-helpful checklist! Life As Mom – Weekly Meal Prep Checklist

#8 – Super Simple Meal Planning

Want a done-for-you meal plan? Learn this simple meal planning strategy, and snag the week-long meal plan for busy weeks. Kalyn Brooke – Super Simple Meal Planning

#9 – Weekly Meal Planning Template

Use this colorful printable to plan your weekly meals and grocery list all on the same page! Thirty Handmade Days – Weekly Meal Planning Template

#10 –  Save Money With Meal Planning

You probably know that planning meals in advance is a great way to save money, so make sure to snag this simple (and adorable) money-saving meal planner! A Heart Filled Home – Save Money With Meal Planning

#11 – How To Create a Weekly Meal Plan

Get started with healthy meal prep and planning with this awesome post and free inspiration printable! One Mama’s Daily Drama – How To Create a Weekly Meal Plan

#12 – Kitchen Inventory Worksheet

Use this worksheet to take stock of what you already have on hand and implement it into your meal plan! Meal Planning Blueprints – Kitchen Inventory Worksheet

#13 – Freezer Inventory Worksheet

If you have a deep freezer (or even if your small freezer is stuffed to the gills) make sure to grab this freezer inventory worksheet to get organized! Real Mom Nutrition – Freezer Inventory Worksheet

#14 – Family Meal Planning Worksheet

Plan meals your whole family will love with this simple printable. Oh Lovely Day – Family Meal Planning Worksheet

#15 – The Ultimate Cheat Sheet for Meal Planning and Grocery Shopping on a Budget

Use this cheat sheet to plan healthy meals and save money, no matter what kind of food you like to eat! C’est La Vie – The Ultimate Cheat Sheet for Meal Planning and Grocery Shopping on a Budget

The post 15 Free Meal Planning Worksheets appeared first on Frugal Fanatic.

It is time to start organizing and planning your next year ahead. With a new year comes resolutions, goals and a fresh start.

Free Blank 2018 Calendars 

You can print my free blank 2018 calendars to get started today!

Each of the blank 2018 calendars includes a monthly to-do list and a notes section to help you stay on track. You can use these calendars to plan your tasks, events, family activities or even your work schedule.

These all work well for meal planning, editorial calendars, schoolwork or fitness schedules.

You can print as many copies as you need of my free blank 2018 calendars. They make planning simple and easy to do.

Get this AWESOME freebie now!

Subscribe to get access to this freebie and our entire resource library filled with worksheets & downloads to budget and save money!

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