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I HAVE A TOOL THAT CAN HELP

YOUR MONEY DOESN'T LAST THE MONTH

You’ve thought about creating a budget but it just sounds too complicated.

You’ve tried cutting up your credit card.

You’re overwhelmed

You know that ignoring your bank balance isn’t going to work. 

HERE'S WHAT YOU'LL GET

Monthly Budget Sheets in the Budget Planner Workbook

Monthly Tracking Tools

These are the vital pieces that are needed each month.  Inlcudes a Monthly Budget, Bill Tracker, Spend Tracker  and Month Calendar. 

The Spend Trackers show your spending habits over periods of time.

Spend Tracker Sheets in the Budget Planner Workbook
Useful Information in the Budget Planner Workbook

Useful Information

Keep your Bank, Insurance & Utility details close at hand.  Also compare spending across categories through the months so you’re not caught out with additional renewals or annual fees. 

Immediate Download

No waiting for snail mail, this will be delivered straight to your inbox after checkout.

Print at Home

Designed to be gentle on ink. Print only the sheets you need, when you need them. No wasted paper, so its better for the environment.

No Fluff

Actionable workbook with only the bits you need to get your budget under control. Easy to understand & flexible.

Forever Updates

Any upgrades to the workbook will be sent to you free of charge.

No Fuss & Easy to Understand

A straightforward workbook thats easy to understand especially if you've never created a budget before.

Monthly Budget Sheet

Shows you the totals for the month so you know how much you have to spend on Variable Expenses (eg. clothing, food, petrol).

Monthly Calendar

This is my Go To. Its brilliant for a quick check against your bank account to make sure each bill is coming out (or income coming in). I use red pen for bills & green for income so its really easy to see at a glance.

Spending Tracker

Use this daily to track your spending. This is where you get the “Aha Moment” when you realise where your money is actually going. You'll notice how quickly your trips to the shops add up.

Positive Choices

By looking at it every day & keeping your budget front of mind, you’ll start making positive choices. Each time you go to the shops you’ll know instinctively whats in your account & whether you can or can’t afford the item. You can now make an informed choice on whether you want to spend the amount you’ve budgeted or save that money to put toward paying off debt.

Start Paying Off Debt

Its quick to add up how much debt you owe. Working off the Monthy Budget Sheet you'll be able to see where you can save money to put towards paying off debt. Theres 2 Debt paydown sheets included in the workbook.

FREQUENTLY ASKED QUESTIONS

No, this is an immediate download pdf so you can get started right away!  Print out at home & get going!  You only need to print out the pages you need as you’re going along your budget journey.  I suggest filing them in a ring binder with the current month at the front.  That way you have all your older months there for you to compare. 

Fill out the Calendar page first with your income & bills.  This will show you how many times you get paid in the month.  Then go back to the Monthly Budget sheet & fill in your total income.  

Add up your estimated income.  Maybe look back on past months & put in the average in pencil.  Complete out the rest of the Monthly Budget (Expenses, Savings, etc) and come back to this sheet to update it as soon as anything changes or your income comes in. 

No.  I personally don’t use envelopes for variable expenses.  I only use them to put money aside for savings, like Christmas.  These are called Sinking Funds.  For variable expenses like Food or Petrol I figure out the weekly amount needed & transfer it into my current account each week.  

No.  By purchasing the Budget Workbook you may download & use the workbook for your own personal use.  You may not share with anyone else.  The copyright remains with Joan Shannon.

Yes, please email hello@byjoanshannon.com for information about 1-to-1 services I provide. 

WHO IS THIS FOR & WHO IS IT NOT FOR?

It IS for you if ...

Its NOT for you if ...

ARE YOU READY TO CHANGE YOUR FINANCIAL FUTURE?

The #1 topic most couples fight about is money.  It is one of the worst causes of stress.  

But by confronting it & making a budget, you CAN start your journey to financial freedom. 

Theres only one way to keep track of your money.  Budget it out with constant focus.  Each month is slightly different.  Its a discipline but it has the highest reward by giving you peace of mind.  It feels so much better being able to relax & know your bills are paid rather than holding your breath with anxiety wondering if theres enough in the account to cover the cost. 

IF NOT NOW ... WHEN?

CUSTOMER REVIEWS

5/5
Yes, I really do love and appreciate you taking the time to put this together. It has really helped me and I am enjoying it very much. I recommend it to everyone. Thank you again.
M Stevens
USA
5/5
Very practical and easy to use supports during these difficult times.
D Behan
Ireland
Photograph of me and my two boys

MY STORY

I know the feeling, in fact it wasn’t long ago that I was struggling to raise 2 young kids as a Widow while juggling a corporate career.  It became too much for me and I made the decision to stay home with them. 

I cut costs.  I didn’t buy new clothes. The kids only got the absolute necessities. 

But the debt slowly crept in.

I felt like I had a noose around my neck.  How was I going to turn this around?

Honestly, I needed things to change. I knew I needed to create a budget & stick to it. 

So I started.  I checked my bank balance regularly & I started keeping track of my daily spending.  It got easier the more I tracked my spending.

I set a weekly limit for variable expenses like food & petrol … and I stuck to it.

And finally, I started seeing a change.  I’m not in the clear yet, but I’ve turned it around and I’m heading in the right direction ; )

I’m here to tell you, if I can do it on minimum income, so can you!  I want to help you on your debt free journey too!