10 Free Money Management Printables

10 Free Money Management Printables

Raise your hand if you live debt-free…

Notice me over here in the corner with my hand hidden away behind my back. Yeah, that’s right. I have debt.

Student loans make up about 99% of my debt, but creditors don’t care. Debt is debt to them. Because I have plans for my future, I’ve been working on getting rid of my debt. I’ve paid off half of my non-student loan debt in the last year. I credit a majority of that to budgeting.

I use google sheets for my bill and expense tracking. It’s easy, convenient, and I can do it on the go, anywhere, anytime. Previously, I used a printable binder. Both have their advantages. I still store receipts and such in a binder, but as far as tracking expenses and managing bills, I do it online.

If online isn’t your thing, then you are in luck. Here are 10 free money management printables to add to your budget binder.

Free Money Management Printables to Help You Budget

1. Budget Binder Cover (+ more)

You need a binder, right? Abby from Just A Girl And Her Blog has a great budget binder cover (and some filler sheets too). There are plenty of other cover options available, but I’m a big fan of this one. Find one that you like to make using it fun.

2. Budget Binder

Kelli breaks her binder down a little differently, but has everything you need to get started budgeting. Kelli even has a few extra pages available such as Christmas Gift Planner worksheet and an Event Planner Budget worksheet.

3. Password and Transaction Trackers

Included in this family binder is a debt tracking worksheet. I highly recommend adding one of these to your budget binder. Jenn has also created some printables to track passwords, and automatic transaction schedules.

4. Budget Templates

Frugal Fanatic has her budget templates available in a digital format. She offers these in a monthly or yearly package. She also has a 2017 budget binder available with bill tracking, calendars, and everything you need to get your financial future in order starting today.

5. Savings Plan

If saving is a part of your budget, check out this 52 week saving plan. All you have to do it store the money away and tick off a box. It’s super simple, yet will help you reach your goals. When you finish this worksheet, you will have $1,378 dollars in savings.

6. Bill Pay Worksheet

This customizable bill pay worksheet allows you to input your bills before printing and helps you keep track of what has been paid. Just tick a box and never stress over whether or not you paid a bill.

7. Printable Cash Envelope

Queen of Free has a sweet bonus with her monthly budget and expenditure printables. She also offers a printable cash envelope. These envelopes have great quotes on them to inspire us to be better stewards of our money.

8. Debt Snowball

If you are just starting your debt snowball, this worksheet is a must. She also has a cute debt thermometer allowing you to see a visual of your debt being paid off. Simply color in the thermometer as you pay off more and more debt and watch as things start heating up.

9. Weekly Ledger

This one is one of my favorite budget binders. It’s beautifully designed, making budgeting less of a chore. I also like this one because Marie has included a weekly ledger which helped keep me on track with those impulse purchases.

10. Meal Planning Printable

Technically not a budget sheet, but without a meal plan, you will find yourself spending more than needed. I’ve been using a weekly or monthly menu plan for my family for years and it helps me cut a lot of costs in the kitchen. There is a monthly or weekly meal planning printable available to help make your dollars stretch.

What are some ways that you make budgeting fun? 

Places to Take Pictures in White County Arkansas

Places to Take Pictures in White County Arkansas

Next to lighting, location is the second most important part of photography. One secret most photographers don’t want to share is the location where they take pictures. Well, I’m letting out some of my secrets today. Why? Simple. There is more to a gorgeous picture than just a fun location.

It’s all about how you work your equipment.

Here are some of my top picks for pics in White County, Arkansas:

Judsonia, Arkansas

Judsonia Bridge
– Located in Judsonia, Arkansas near the Judsonia Post Office, this bridge is open to traffic so keep that in mind when planning your shoot. This is a pretty popular place for family portraits in Judsonia.

Family Portraits Judsonia Bridge White County Arkansas Friendly Acres Park in Judsonia Arkansas Photography by Aduke Schulist

Judsonia Friendly Acres Park
Friendly Acres Park is a quaint little park located off of Missile Base Road in Judsonia. There are geese present year-round, play ground equipment for the kids, a lake, and a firework show every 4th of July, giving you plenty of options to photograph.

Friendly Acres Park in Judsonia Arkansas Photography by Aduke Schulist

Gillam Farms
Gillam Farms is a fruit and produce farm open year-round. This is a great place for bridals, or to practice some macro photography with all the greenery.

Searcy, Arkansas

Searcy Downtown Courthouse Square
– The courthouse itself is gorgeous. At night time, the newly updated Rialto in all its lighted glory is a beautiful capture. There are many textured walls, doorways, and hidden spaces to explore around the downtown Searcy area.

Riverside Park
– Nestled near the Little Red River in Searcy, this park features walking trails, caves, cliffs, and greenery making it a great place for Senior pictures or family portraits.

Riverside Park in Searcy Arkansas Photography by Aduke Schulist

Harding University
Harding University is gorgeous year-round. There is plenty of shade and short paths loaded with flowers. Christmas lights during the Winter make it a great place to shoot at night.

Berryhill Bike Trail
– Paved trails make this a great place for exploring the surrounding nature. There is a small bridge about half a mile north of Berryhill Park on the path perfect for family portraits.

Pioneer Village
– This is another location popular among photographers. The Pioneer Village is a small historical site filled with 19th century pieces including architecture, farm equipment, and more.

Ink-PioneerVillage

Smyrna Church
– Smyrna Church, located off of Hwy 36 is another historical piece in Searcy. This church is known as being the oldest church in Arkansas and is a great place to capture sunsets, portraits, or the building itself.

Searcy Art Gallery
– The Searcy Art Gallery, located in the historic Black House is a beautiful place for bridals, architecture, or just plain ole’ art.

Bald Knob, Arkansas:

Wildlife Refuge Bald Knob
– The Bald Knob Wildlife Refuge sits on over 15,000 acres and is a favorite amongst birders. Migrating birds, or static insects make great captures here.

Downtown Courtyard Bald Knob
– The Downtown Bald Knob Courtyard has been updated within the past few years and offers some similar details as the Searcy downtown area with textured walls, hidden nooks, and is perfect for senior pictures.

Downtown Bald Knob Photography by Aduke Schulist

Bald Knob Lake
– This is one of my favorites for sunsets. The water is also perfect for wading into to capture portraits.

Bald Knob Lake in Bald Knob Arkansas Photography by Aduke Schulist

Bald Knob Train Depot
– If trains are your thing, then add this to your must-see list. The train depot has plenty to photograph indoors or outdoors and it just a short walk from the downtown courtyard.

Pangburn, Arkansas

The Wedding Barn
– The Wedding Barn is a barn and event center located about 25 miles from Searcy. It sits atop a mountain, making it great for landscape, or bridal portraits.

So, there you have it. Some of my favorite places to take pictures in White County, Arkansas. What one would be your favorite place to take pictures?

*Please keep in mind that permission must be granted in order to utilize some of these locations.

Fertility Awareness Method Explained and Tracking for Health

Fertility Awareness Method Explained and Tracking for Health

If you cringed when Rupi Kaur posted about her period on Instagram then this post is for you. And if you have ever been caught off guard by your period, then this post is for you. Going along with my last post on my health, I want to talk about something that is taboo for most: Reproductive Health.

More specifically, fertility awareness.

Fertility Awareness Method of Birth Control

Yes, that means this post may have some “TMI” included. It’s a little long, but worth every word.

How did I get here?!

When I was younger I learned that people could track their temperature and cervical fluids to help them conceive. One day I thought “If they can achieve pregnancy, then I can AVOID it” and thus my search for a new birth control began. I seriously thought I was a genius with this idea.

I wasn’t entirely sure how it worked as I had never been taught such basic things about my body. I knew that periods happened and the gist of them, but beyond that, I was clueless.

I was determined to make it work though. I have PCOS and Endometriosis and periods are no fun. Besides being painful and heavy, they don’t follow the text-book pattern we have been taught, and are irregular.

I’ve tried multiple forms of birth control including shots, pills, and even an IUD. For me, the synthetic chemicals provided by more mainstream forms of birth control were not working for me.

I wanted a more natural method that wouldn’t make me gain so much weight and feel yucky constantly. That’s when I found the fertility awareness method.

What is the Fertility Awareness Method?

It’s a natural form of birth control not to be confused with the rhythm method or natural family planning. The fertility awareness method is in a league all by itself.

First of all, it is not a guessing game (like the rhythm method is). And it doesn’t require that you completely abstain from sex while fertile like the catholic version of family planning. While the fertility awareness method is a “natural family planning” method, it isn’t quite the same.

There are a few different versions of the fertility awareness method, but most follow similar rules. I use the Sympto-Thermal Method which combines a few different methods. The basic idea is to be aware of and track your fertility at any given moment to help you make certain choices.

How is it done?

Upon waking in the morning you take your temperature and record it on a chart. This is called your basal body temperature. Your BBT varies depending on which part of the cycle your body is currently in. It is lower prior to ovulation and increases after ovulation. I set an alarm for 6am every day to do this. This helps me be consistent because I don’t always wake up at the same time on my own. Being consistent with temperatures is important to get a good reading. Taking your temperature at the same time every day is your best option.

Throughout the day, you check your cervical position and fluids and record those too. The most basic types are none or a dry day, sticky, creamy, eggwhite, and watery. When you piece all of this information together you get something that looks like this:

Interpreting a Cycle

Ovulatory Cycle using Kindara for Fertility Awareness Method - Natural Birth Control

This is a real chart of mine. I use the Kindara app to record all of my observations, but there are multiple other apps or even paper printables to use.

The numbers at the top coincide with the cycle day. So day 1 is the first day of a new period. The numbers on the right represent temperatures. I choose to track in fahrenheit. Some days I did not record a temperature.

Cycle day 1-5 was my period with some spotting on cycle day 6. As you can see, the day I start my period, I quit taking my temperature for a few days after. It’s a nice break from the alarm clock. Since my cycles are usually 5-7 days, I start taking my temp again around the 5th day.

Cervical Fluid

Cycle days 8-11 I recorded creamy consistency for cervical fluid. Days 12-17 are eggwhite. 18-20 I recorded watery. 21 was eggwhite, and 22 and 23 were creamy.

Eggwhite and watery cervical fluid are considered super fertile, but at the first sign of any fluid, one is considered fertile. Because sperm can live 7 days inside the vagina, even creamy or sticky fluid can be fertile.

Following the Rules

Because I am tracking for health purposes, this is pretty much all I chart. Depending on the rules you follow you may want to track more or less. I do check my cervical position, but don’t record it.

The P on cycle day 21 stands for Peak. This is the LAST day of fertile fluid. This does NOT mean the peak fertility day. The numbered blue circles are considered “days past ovulation”. Based on this chart above, I ovulated around cycle day 21 or 22. Despite what some may tell you, there is no way to chart WHEN you ovulated, just to confirm that you have.

Temperature Shifts and Ovulation

Remember when I said my cycles don’t follow a text-book pattern? Text-books state ovulation happens on day 14. This has never been true for me. I typically don’t see a shift, indicating ovulation until day 20 or beyond.

You can see two distinct temperature ranges in this chart. On cycle day 23 I had a temp shift. My temperature increased by at least 0.2 degrees above the last 6 temperatures which is what is required for a shift. In order to confirm ovulation, this rise in temperature must be sustained for at least 3 days.

Some people may experience a slow rise in temperature, but mine are usually sudden. After an egg is released, it dies within 24 hours if not fertilized.

Anovulatory Cycles

Sometimes I don’t have a temp shift at all, even though I experience fertile fluid. This means that I did not ovulate despite my body trying. This is a result of my PCOS, but anovulatory cycles can happen to anybody. This chart below is an example of an anovulatory chart. You can see that I observed fertile fluid, but nothing came out of it.

(Side note: The peak day is not marked correctly on this chart below. It should be day 41.)

Anovulatory cycle using Kindara and the Fertility Awareness Method of Natural Birth Control

On cycle day 44 of this chart I started bleeding. A bleed that happens after an anovulatory cycle is not a true period. If you are following rules like the Doering rule, you must remember that you are still considered fertile after this bleed and rules like the 5 day rule don’t apply. You can only use those rules if you confirmed ovulation in the pervious chart, along with some other requirements. Jennifer breaks it down in The Rules of the Sympto-Thermal Method.

Unprotected vs Protected Sex

When using this method to avoid pregnancy, you can have unprotected sex as long as you follow the rules. Because the egg dies within 24 hours after ovulation, once you have confirmed ovulation with a temperature shift of at least 3 temperatures 0.2 degrees above the last 6, you can have unprotected sex without risk of pregnancy.

For example, in the first chart above I could have had unprotected sex on cycle day 26, after ovulation was confirmed. In the second chart, since ovulation was not confirmed, unprotected sex on the 26th cycle day would have been risky.

In the first chart I also could have had unprotected sex on cycle days 1-5, 7, and from 26-34. The other days, protection would be needed to avoid pregnancy. Some of these days are based off of the dry day rule and Doering rule mentioned above and may not apply to you. Be sure you meet all criteria in order to use these rules.

Benefits of Fertility Awareness Method

Because I have charted for many many cycles, I am very in tune with my body. I know how long my luteal phase is and I can pinpoint the day I will start my period as soon as I have confirmed ovulation. Anovulatory cycles don’t apply.

Charting can also give you insight into problems such as low progesterone, anovulatory cycles (remember, bleeding doesn’t always mean you ovulated), thyroid function, and more.

In Conclusion

This method takes some work. If you can’t remember to take a pill every day, then you probably won’t be good at this. And just like a birth control pill, you can’t blame it’s effectiveness on a user that doesn’t follow directions. If you miss a pill, you could get pregnant. That isn’t the birth control pill’s fault. The same is true for this method. In this method, if you don’t follow the rules, you can have an unintended pregnancy. That is a USER error and not a result of ineffectiveness of the method.

If you are using this as a method of birth control, it is imperative that you follow ALL of the rules. I recommend the book Taking Charge of Your Fertility. This book goes in depth and teaches you way more than this post could.

You can get it on Amazon using my affiliate link below:

Taking Charge of Your Fertility

Have you heard of this method before? 
Do you have any questions about it?
Do you use it or know somebody who does? 

Health Update and Habit Tracker Freebie

Health Update and Habit Tracker Freebie

At the beginning of the month, my daughter had an appointment at a Weight Loss Management Clinic. They recommended I start tracking her calories to reduce her intake.

I did.

And as a family, we made a choice to get healthier together, so I also started tracking my own.

I already know that I do better when I track my calories, so I asked for recommendations for calorie counting apps from my friends. The majority of people recommended My Fitness Pal. I had previously used another app, but went with their recommendations. The first couple days I tracked my calories just to see how much I was eating, but I was also aware of how much they recommended I take each day and definitely ate less than I would have. I think that simply by knowing how many calories they wanted me to take, I was subconsciously eating less.

Amount of calories consumed since I began tracking

According to their calculations using my weight, height, activity level, and desired weight loss, they gave me 1,550 calories per day. 1,550 calories sounds like a big number, but when you are eating crap food, it goes fast!

Weight Loss

As you can see in the image above, I started keeping track on the 13th of March. I went way over the recommended calories those first two days, but did better the next day. Also, make note that I kept going over.. by like 300-500 calories each day! Some days I went even beyond that. Some days it was less.

The crazy thing? I’ve already lost 7 pounds!

SEVEN POUNDS!

That may not seem like much, but when you have 40+ pounds to lose, 7 is a lot!

And I’ve done it only by keeping track of my calories. One day I walked on the treadmill for 30 minutes, but have done nothing else.

Out of the 16 days picture, I was only under my calorie limit 4 days. A few days I didn’t go over by much.

Habit Tracker

Doing this, I have learned that simply by tracking, I am making a difference. I got to wondering what else would change if I started tracking my habits? I created this habit tracking printable to help give me insight into some areas of my life.

The cool thing is that this habit tracking worksheet can track anything you want. There are enough spots to track a habit for 30 days.. and they say it only takes 21 days to form a habit.

I’ve made these habit tracking worksheets available for free download by clicking on one of the links below. You can choose from pink, green, blue, or black and white.

Habit Track for Tracking Habits (Blue)

Habit Track for Tracking Habits (BW)

Habit Track for Tracking Habits (Green)

Habit Track for Tracking Habits (Pink)

What habits would you track to form, or break?

Day Out at the Outlets of Little Rock

 

This post has been made possible by the Outlets of Little Rock. Compensation has been provided for my time and social media influence. All opinions are my own.
Day Out at the Outlets of Little Rock

There are two things I love: Shopping and Starbucks! Luckily, the Outlets of Little Rock has both. They opened up in late 2015 with over 50 stores to choose from. Over 50 stores y’all! Today, I got to go shopping with some fellow bloggers and enjoy delicious treats from a variety of shops.

Outlets of Little Rock

We made our way around the stores, collecting goodies and filling our bellies as we went. I think I added about 5 million things to my Wishlist. This pair of shoes was one of them.

I would die for this shoe from Corkys Footwear

Others stops included Tommy Hilfiger, Corky’s Footwear, and Beef Jerky Outlet. I had no clue they even made Kangaroo jerky! We tasted different kinds of Jerky

Kangaroo Jerky from Beef Jerky Outlet

Sweetness Overload

One of my favorite stops was the Lindt store where we learned how to use our 5 senses to enhance our chocolate experience. I thought I already knew how to enjoy chocolate, but they helped me really enjoy it.

Lindt Five Senses Demonstration

Starbucks spoke my love language by providing drinks and samplings to the bloggers. I went with my typical Starbucks order of a Caramel Macchiato.

Caramel Macchiato

Giving Back

The Outlets are getting the community involved in different ways. In February, they hosted a Wish-A-Thon to raise money for Make A Wish children, and served Coffee with Cops in January. Coming up on April 22nd is a Food Truck Festival. This is a great way to get your grub on and support a cause. Some vendors are Black Hound BBQ, Eat at Eric’s, and Cypress Knee Food.

If you are shopping for a gift for somebody, the Outlets of Little Rock is the place to go. They seriously have something for everybody. I can’t wait to go back with the kids.