UPDATED Essential Monthly Planner

Can you believe it’s been FOUR years since I blogged about my monthly planner and how I keep all my bills and events organized in one place? I noticed recently that it’s getting a lot of hits on Pinterest and I thought I’d post about how I’m keeping my planner now.

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Currently, I’m using highlighters and small post-it notes to keep everything together. I’m not sure where to start, so I guess we’ll go from left to right.

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On the border on the top left I use pink post-its with blog post ideas that I may want to blog about that month.

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Then, once I blog about one of those ideas, I move the post-it to the day that I posted the blog, which isn’t necessary but is helpful in case you want to go back to previous months and look at what you’ve done.

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On the bottom left margin I use these pale yellow (or as I like to call them, smoker’s teeth yellow) post-its with things that I HAVE TO get done during the month. And yes, I moved to PA from NJ back in May and I still have not gone to the DMV to get my license plates transferred. I just REALLY hate the DMV! Anyways, once I get an oil change or get my license plates registered, I’ll move that post-it to the day that I did it.

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In my planner, I write when a bill is due. Since we moved, we’ve got a lot of credit card bills to pay off. So for example, I write down on the 4th that my Home Depot credit card bill is due, then under that I put what the balance is that I still owe. Then under that I write “New Balance” so on the 4th when I pay that bill, I write what the new balance is after making the payment. Then I take that new balance and put it on the next months post-it under “Still Owe”. This makes it easier to know where you’re at with each of your outstanding credit cards without having to look each one up online.

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As for our other bills, like the mortgage, car payments, electric, etc., I just write down on the day that I pay them and then cross them off. I also highlight it in green, or in my case I highlight it in yellow and blue because I don’t have a green highlighter – haha!

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I use these teal colored post-its for any kind of photo sessions I might have. I would just write that appointment in my planner but since moving to Easton, I have not required clients to pay a deposit to hold the appointment, so the appointment days change a lot. With the appointment being on a post-it, I can just move the post-it to any day they may change it to. It keeps my planner pretty so I don’t have to scratch out anything.

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I use the bright pink post-its for fun events like birthday parties, people coming into town, events in the community, etc.

Btw, you can get these convenient post-its on Amazon and they’re super cheap. Pick them up here.

And that’s about it. I feel like my monthly planner has become a lot more efficient in the last four years and I hope it helps make your monthly planner more efficient as well!

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Financial Tip Friday – Saving -vs- Investing

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Deciding what to do with your savings can be very difficult. You try to split it up between emergency funds, rainy day funds, retirement funds, college funds, etc. Knowing what funds to put into savings and what need to be investing is simple!

Money that you need to spend in the next few years, lets say 1-5 years, belongs in savings. This includes a down payment for a house, emergency funds, vacation funds, basically anything that you may need to get your hands on quickly. Put it in a low risk savings account or money market account. Try to find a savings account that has a decent APY. As of right now, I use Capital One 360 for all of my savings and the APY is, ugh, just ok. Shop around before opening up any account!

Money that you don’t need for at least seven years is money that should be invested. We’re talking about things like retirement funds and college tuition funds for young children. I am no professional financial advisor and for these kinds of funds, I couldn’t tell you where to invest all your cash, but do it wisely and if you need to dish out some money to talk to someone that’s knowledgeable in investing these things, do it! Totally worth it!

I hope this helps! Have a great weekend!