How to Create a DIY Budget Binder for 2021
Learn how to create your own DIY Budget Binder, with free worksheets and ideas to help you track your finances all year.
Budget Hacks
Try the 2021 Kakebo Method with Free Printables
Use two free 2021 Kakebo printables to try out this simplistic, bulletproof method of tracking your expenses and saving money.
5 Hacks to Create a Personal Budget that Works
Learn 5 hacks that will help you create a personal budget that works. Your dreams are big, so you need a budget that will get you to them.
Tutorial: Analyze spending Habits Using Pivot Tables
Before you build the budget that will help you make all your dreams come true, you need to understand your spending habits. I’m going to walk you through the exact steps you can take to analyze your spending habits using Excel pivot tables. The goal is to categorize your expenditures into manageable buckets. To isolate … Read more
Use a Digital Envelope System to Bucket Your Paycheck
If you’ve read up on money saving systems, you’ve probably heard of the envelope system. Its a simple method with the following steps: Create an envelope for each type of monthly expense and identify an amount of money needed for the month. Add the designated amount of cash into a labeled envelope to be used … Read more
Change Your Money Mindset with the Kakebo Budget
This minimalist Japanese budgeting method could be just the process you need to jump-start your savings. Download three free Kakebo budget worksheets to try it out!
How to Build Your Budget Like a Business
During my career as an accounting and finance leader working for healthcare companies of $50M up to $350M in annual revenue, I built many budgets from scratch. I’ve followed budget processes that were extremely detailed and tried to take into account every penny of cost, and I built high-level budgets that focus only on changes … Read more
Welcome to Beyond Pennies!
Hi, I’m Shelley, a financial analyst and corporate executive with an MBA and more than 15 years of experience helping companies grow profits. I’m also an active options trader, Excel guru, and mother to three lovely children who are 21, 2, and 1. I enjoy sailing, photography, content creation, and I’m currently learning about filmmaking. … Read more