Beige & Black Rounded Modern Monthly Budget Tracker Journal


Managing your money is really important to stay on top of your financial life and reach your goals. A budget tracker is a useful tool that can help you with this. It lets you keep track of your money coming in and going out. In this article, we’ll show you how to use a budget tracker with six sections: Income, Expenses for Groceries, Bills, Debt, and Savings.

Section 1: Income

The first part of your budget tracker is for your income. This is the money you get from different sources like your job, commissions on sales of your SHS products , or any other way you earn money. Keeping track of your income helps you understand how much money you have for your expenses and savings.

In the income section, write down:

The source of income (like salary, commissions, etc.)

How much you get per month

Section 2: Expenses: Groceries

The second part is for your grocery expenses. Groceries are the things you buy to eat and use at home. This section helps you see how much you spend on groceries, so you can make better choices and avoid overspending.

In the groceries section, write:

How much you spent on food and drinks

How much you spent eating out

Section 3: Expenses: Bills

This part is for your regular bills, like rent , utilities (water, electricity), data, airtime. Keeping track of your bills helps you know when they’re due and make sure you don’t miss any payments.

In the bills section, write:

How much you need to pay for each bill 

Section 4: Expenses: Debt

In this part, you write about any money you owe, like  debt or loans. It’s important to know how much you owe and how much you need to pay each month to get rid of debt faster.

In the debt section, write:

How much you still owe in total

Section 5: Expenses: Savings

Saving money is essential for your future. In this part, you record your savings, like an emergency fund or money you set aside for something special.

In the savings section, write:

What you are saving for (like emergency fund, vacation, etc.)

How much you save each month

The total amount you’ve saved so far


Using a budget tracker helps you understand your finances better. By keeping an eye on your income, expenses for groceries, bills, debt, and savings, you can make smarter choices with your money. Remember to update your budget tracker regularly to stay on top of your financial goals. With discipline and consistency, you’ll be able to take control of your finances and work towards a brighter financial future.