Clever Fox Budget Planner Large – Expense Tracker Notebook. Monthly Budgeting & Bill Organizer, Finance Logbook & Accounts Book, A4 (Black)

Four years ago, when I embarked on the journey of managing finances in my newfound independence, I discovered the Clever Fox Budget Planner, and it has since become an indispensable companion in my financial life. As I just got done filling out the month of November in my fourth budget planner, I find myself reflecting on the incredible impact it has had on my financial organization and well-being.My initial purchase of the Clever Fox Budget Planner marked a pivotal moment in my life—moving in with my then-boyfriend, now-husband. It was my first foray into managing our finances, and this budget planner played a crucial role in setting the foundation for financial success. The beauty of this budget planner lies in its ability to keep me incredibly organized. From monthly budgets to expense tracking, it has provided structure without being overly prescriptive, allowing me the flexibility to tailor my budgeting approach according to our monthly needs and anything that life throws at us. The end-of-month reflections provided by the planner offer valuable insights into our spending habits. Calculating the percentage of expenses based on categories allows for a holistic view of our financial decisions, fostering a continuous learning process.Annual Ritual:What started as a practical tool has evolved into an annual tradition in my household. Each year, we eagerly pick the new color of the Clever Fox Budget Planner, turning it into a special event that involves the entire family. The vibrancy of the new color adds an extra layer of excitement to our financial planning.Goal Setting and Positive Reinforcement:Beyond the practical aspects, the Clever Fox Budget Planner incorporates inspirational elements that I cherish. Monthly and yearly goal-setting prompts encourage forward-thinking, while positive stickers inject a dose of encouragement and motivation into the budgeting process.I wholeheartedly recommend the Clever Fox Budget Planner to everyone, regardless of where they stand in their financial journey. Its user-friendly design, flexibility, and inspirational components make it an invaluable tool for both beginners and seasoned budgeters alike. This planner is also incredibly sturdy and well made. The inclusion of a pen holder was also a game changer for me as I never have an excuse not to fill out my pages because "I couldn't find my pen"!

I'm on my last month & have ordered my second Clever Fox budget book, which will be the Budget planner pro. Highly recommend this or the pro version for anyone looking for a tangible budget tracking.Overall: This is great notebook for anyone starting out. The pages help get you organized, and the layout is generous enough to accommodate different money management approaches. In addition to external financial advice & quarantine, this book helped me pay off +10K in credit card debit, by seeing wasted expenses, painfully writing down charges that I could no longer remember and being able to budget for new quarantine hobbies while staying on plan. The one piece that was missing from this notebook & all of versions from Clever Fox is the lack of an investing section. Would also like to see a bigger savings section. As I finish the book, in future versions I would love to see a picture of where I started and how I ended. You can cobble the picture together with the provided layouts but would love a two-page view to show consolidated savings, cash, investments, & debit that includes where I started, how much I put in/withdrew, current balance, and write some goals and reflections. I tried multiple apps and a different planner brand before clever fox, and it did not result in any changes because of the passive engagement, limited budget layout and lack of monthly assessment and reflections.Below is more detail review.The first few pages, My Financial Goals, My Mind Map, My Strategy, My Tactics, and year at a Glance are nice to get you focused, but I honestly rarely remembered they were there or used any of them except the first two. May be more helpful for someone with a more complicated financial picture or goals.Month & YearEnjoyed the calendar section at the beginning, helped me figure out why I kept downing my account by writing down the days of known monthly expenses, scheduled savings, and income. As a result, I did request some of monthly services to change the bill date and was able to pay additional money towards my credit card debit (end of month) while also having money for rent (1st of month). After I paid off my credit card, I found the savings section to be too small and there is no section for investing.Monthly BudgetInitially loved all the subcategories, it helped me change the way I was thinking about expenses and better prioritize. As I got better, the subcategories were annoying because I wasn't using a lot of them. If you are more advanced or these categories don't apply to you, I recommend the budget planner pro which has the same layout less the subcategories.Expense tracking- straight forward, no razzle dazzle but also not neededMonthly budget review + Ideas & NotesHated the pie chart, used it once.....was more frustrating that helpful. The table under spending analysis was enough for me. Enjoyed the reflection questions and notes section, big reason I chose this notebook. After using for a year, the monthly review would be more helpful next to the budget. You already have to do a lot of page flipping to fill in the actuals, and then more to fill in the review + year summary. In the pro version the monthly budget and review are on the same two-page spread. (Clever fox Budget Book and Budget Planner are similar but have key layout differences)Savings & Debit Tracker - Prefect, especially if you have a specific goal like pay off credit card and save for a bougie birthday trip. If you don't use all of one type of the trackers and want more of the other, its super easy to repurpose the pages.Holdiay Buget, Gifts, Spending - 100% didn't use. I don't plan that far in advance, and the captured those needs on the month & year pagesRegular Bill Tracker - Personally do not have a lot of standard bills, or ones that vary by amounts, so 100% didn't use. Might be helpful for someone trying to get a handle of those types of expenses. I just had a shopping addition, hence the credit card debit.Summary of the Year - forgot about these pages until the last four months. Will be using in new planner to monitor shopping expenses, membership fees, and savings goals over time. Again, a net worth page layout would be great. Would also like the top section to mirror the monthly budget review section. Since notebook is set up to exclude savings from expenses, there needs to be two separate lines for savings vs balance. If you prescribe to giving all your money a job, it is hard to see how many months you made it to zero.Check Register, Account Information, and blank pages - 100% didn't use. Personally, wouldn't write down my account information in the same book that shows how much is in those accounts.....the reasons should be obvi. The check section is only two pages....not sure what you capture here that is not your monthly expense section. Might use the blanks when I finish this last month, to write happy messages to myself.

I purchased my first one last year in January 2023 and I found it to be the best thing to help keep my expenses organized and helpful to keep track of my spending without being to bulky and complicated. It was a no brainer to purchase this again for this new year.I found that it was simple and easy to understand, there are not too many sub categories and things to have to fill out. It was nice and simple, straight to the point on what my goals are for my finances and how will I achieve them. It provided areas for every expenses, savings, and paying off debt. This was extremely helpful in keeping me on track and maintaining my goals.The only two things that I would suggest is that there are a lot of stickers but a lot of them were not useful and lastly providing envelops for people who like to have a sinking cash fund for anything in particular (Ex. Christmas saving, rainy day, vacation) I believe that would make this even better.

Really organised and always able to understand and suitable things are provided

Estoy súper encantada con esta compra. Tamaño ideal, súper completo. La tapa es muy suave, viene con pegatinas y un sobre al final para archivo. Es fiel a lo que se describe. Ha llegado sin problemas y muy rápido. Este es el tercer modelo de Planificador que utilizo y definitivamente seguiré comprándolo para futuros años. Feliz de haberme decidido por esta marca ¡5 estrellas! ¿Existe la versión en español?

Pratique pour tenir les comptes, voir où on en est, prévoir de mettre de l'argent de coté, prévoir pour les vacances...Savoir visuellement où on dépense le plus d'argent et ainsi réajuster le budget en conséquence. Moi qui détestait ça, maintenant je note régulièrement dedans et ça me permet d'anticiper certaines dépenses ou de stopper les achats en surplus