This budget planner is a totally flexible planner which allows you to manage your finances all year. You can use this finance planner to help manage your monthly budget on an annual basis. Please watch the 'Whats inside Video here To view how to use the inserts, please watch the playlists here https://youtu.be/rubtVZzTm2Y SPECIFICATION *Soft Cover *120gsm White Paper *Black & White Printing *Silver Wirebound THE FUTURE *Financial Goals *My Why *My Future Self HABITS *Financial Habits Promises *Financial Habit Tracker DEBT *List of Debts *Annual Debt Tracker SAVINGS *Emergency Fund Budget *Emergency Fund Tracker *Savings Tracker *Savings & Sinking Funds *Savings & Sinking Funds Tracker INFORMATION My Magic Numbers *Annual Calendar *Mid Year Review *Useful information *Annual Journal BILLS *Fixed Bills Tracker *Bill Audit PROGRESS *Annual Overview *Overall Progress *Unexpected Expenses *Side Hustle Tracker *Investment Overview *Credit Score Tracker *Credit Score Usage *Grocery Tracker RESOURCES *Cost Free Activities *Need List & Wish List *Side Hustle Ideas *Meal Ideas OTHER *Notes MONTHLY SECTION Undated Monthly Section x 12 *Monthly Habits & Goals *No Spend Days *Undated Monthly Calendar *Budget Sheet *Spending Tracker x 4 *Savings Tracker *Side Hustle Tracker *Habit Tracker *Monthly View *Baby Budgets (Mini Budgets for Events) *Weekly Spending Review