Best Budget Journal: Top 5 Affordable Options for 2024

Updated on March 1, 2024

Managing finances is crucial for maintaining a budget. A budget journal, a tool for tracking expenses and setting financial goals, can help. When choosing a budget journal, consider its size, level of detail, and additional features. Our team has researched and tested many budget journals, and we’ll share our top choices in the following sections. These journals can assist whether you’re a budgeting pro or a beginner.

Best Budget Journals

We understand the importance of journaling and its benefits. However, finding the perfect journal that fits your needs and budget can be a daunting task. That’s why we have researched and compiled a list of the best budget journals available on Amazon. Whether you’re a student, a writer, or just looking to start journaling, our list has got you covered. So, without further ado, here are our top picks for the best budget journals on Amazon.

Taja Budget Planner

This budget planner is a comprehensive tool that allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.

The user-friendly layout is designed for easy navigation and organization. Each month, you’ll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.

Featuring full-page calendars each month, you’ll have ample space to mark paydays, bills due, appointments, and important dates. The three cute sticker sheets included allow you to personalize your financial organizer and make budgeting more fun.

The monthly budget planner is designed for your convenience and built to last. The water-resistant cover protects against spills, while the elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage.

The guidebook provides step-by-step guidance and practical tips for setting financial goals, tracking expenses, and achieving financial success. Whether you’re new to budgeting or an experienced user, this resource will help you make the most of your budget planner.

Overall, the Taja Budget Planner is a great choice for anyone looking for an affordable and comprehensive tool to take control of their finances.

ZICOTO Budget Planner Organizer

Simplified Monthly Budget Planner - Easy Use 12 Month Financial Organizer with Expense Tracker Notebook - The 2023-2024 Monthly Money Budgeting Book That Manages Your Finances Effectively

If you are looking for a budget planner that is both functional and aesthetically pleasing, the ZICOTO Budget Planner Organizer is definitely worth considering.

Pros:
  • Budget planning at its best: The ZICOTO Greenery budget tracker allows you to set new financial standards in your life and monitor your monthly income, savings, debts, and daily expenses.
  • Create financial freedom: The finance planner enables you to track monetary flow and review each area for improvements. This 12-month budget book is your chance to develop monthly habits, monetary strategies, and action plans.
  • Bring it on – any time & any place: The budgeting planner is undated, so you can start at any time. Thanks to its perfect size of 5.5x8” (smaller than A5), the financial notebook fits in every bag and is always at hand.
Cons:
  • No pen holder: The ZICOTO Budget Planner Organizer does not come with a pen holder, which can be inconvenient for those who prefer to keep their pen and planner together.
  • Limited space for notes: While the ZICOTO Budget Planner Organizer has a notes section, it may not be enough for those who like to take detailed notes.
  • No pockets: The budget planner does not have any pockets to store receipts or other important documents.
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Overall, the ZICOTO Budget Planner Organizer is a great way to start your journey to financial freedom. The hardcover budgeting book is designed for easy and effective budget planning, and it comes with practical features such as an elastic band, stickers, planning instructions, and inspirational quotes on each review page to help focus on your goals. If you are looking for a budget planner that is both functional and aesthetically pleasing, the ZICOTO Budget Planner Organizer is definitely worth considering.

ZICOTO Budget Planner Organizer

Simplified Monthly Budget Planner - Monthly Finance Organizer and Expense Tracker Notebook - Beautiful Undated Money Budgeting Book For 2024 To Effectively Manage Your Finances

If you're looking for a budget planner that is both functional and aesthetically pleasing, the ZICOTO Budget Planner Organizer is a great option. With its minimalist design, this budget planner allows you to focus on what's important - your finances!

Pros:
  • Budget Planning At Its Best: Achieve your financial goals and use the ZICOTO budget tracker in minimalistic design to set new financial standards in your life, monitor your monthly income, savings, debts & daily expenses.
  • Create Financial Freedom: Start your journey to long-term financial freedom today! The finance planner allows you to track monetary flow & to review each area for improvements; This 12-Month budget book is your chance to develop monthly habits, monetary strategies & action plans.
  • Bring It On – Any Time & Any Place: The budgeting planner is undated, so you can start at any time; Thanks to its perfect size of 5.5x8.3” the financial notebook fits in every bag & is always at hand.
Cons:
  • Limited Space: The planner only has space for six monthly bills for the whole year, which may not be enough for some users.
  • Not Enough Pages: The planner only has 144 pages, which may not be enough for users who want to track more than just their monthly expenses.
  • No Pen Holder: The planner does not come with a pen holder, which may be inconvenient for some users who want to keep their pen and planner together.
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The ZICOTO Budget Planner Organizer is a great way to start your journey to financial freedom. It is a comprehensive budget planner that includes monthly income, savings, debt & bill planner, daily expense tracker, budget organizer & more. The planner is non-dated, so you can start at any time and continue wherever you want. Its perfect size of 5.5”x8” makes it easy to take the budget planner anywhere with you.

The planner is designed for easy & effective budget planning, with a modern minimalistic design that lets you focus on what’s important – your finances! The planner includes 2 sticker sheets for personal creativity, planning instructions, plus inspirational quotes on each review page to help focus on your goals.

Overall, the ZICOTO Budget Planner Organizer is a great investment for anyone looking to take control of their finances. Its minimalist design, comprehensive features, and ease of use make it a must-have for anyone looking to achieve long-term financial freedom.

JUBTIC Budget Planner

The JUBTIC Budget Planner is a great tool for those looking to take control of their finances. The monthly goal setting and budget planning pages allow you to set realistic financial goals and track your progress throughout the year. The undated layout design is also a plus, as it allows you to start using the planner at any time of the year and use it for a full year.

The high-quality faux leather cover not only adds to the overall beauty of the book, but also makes it durable and waterproof. The inside pocket is also a convenient feature for storing loose bills and notes.

However, the predefined spending categories may not fit everyone’s budgeting needs. Some users may also find the book to be too small for their liking, although this is a matter of personal preference. Additionally, the stickers provided may not be enough for those who like to mark their pages frequently.

Overall, the JUBTIC Budget Planner is a great budgeting tool for those looking for an affordable option. It’s easy to use and instructive on the importance of planning and saving to make your life more meaningful.

Kamoy Budget Planner Journal

Simplified Budget Planner Notepad, Undated Monthly Financial Planner Organizer Budget Book/Expense Tracker Notebook/Basic Budget Journal to Manage Your Money Effectively, A5(5.5" * 8.5") 52 ...

If you're looking for an effective budget planner that can help you manage your finances efficiently, then the Kamoy Budget Planner Journal is definitely worth considering.

Pros:
  • The user-friendly layout of the planner makes it easy to manage your finances without feeling overwhelmed.
  • The durable PVC waterproof cover ensures long-lasting protection for your valuable financial data.
  • The planner offers ample space to cover an entire year with dedicated pages for each month.
Cons:
  • The planner may not have enough space for those who have a lot of transactions to record.
  • The cover design may not appeal to everyone.
  • The planner is undated, so you'll need to fill in the dates yourself.
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We were impressed with the Kamoy Budget Planner Journal’s effective budget management tool. The monthly income and savings sections, as well as the expense tracker, make it easy to track your financial inflows and outflows. The user-friendly layout places the focus on simplicity and practicality, with each page thoughtfully designed to provide ample space for detailed entries.

The planner’s durable PVC waterproof cover ensures long-lasting protection for your valuable financial data. This transparent cover not only shields the planner from water damage and spills but also allows for easy personalization with stickers or inserts to make it uniquely yours.

With 52 pages, the Kamoy Budget Planner offers ample space to cover an entire year. Each month has dedicated pages, providing users with enough room to jot down detailed income, savings, and expense entries, as well as helpful notes or reflections on their financial planner journey. By consistently using the budget planner to record their finances, individuals can develop better spending habits, save more effectively, and work towards building a secure and prosperous financial future.

Overall, the Kamoy Budget Planner Journal is an excellent tool to instill financial discipline in your life. It’s easy to use, durable, and promotes better spending habits. If you’re looking for an effective budget planner that can help you manage your finances efficiently, then the Kamoy Budget Planner Journal is definitely worth considering.

S&O Budget Expense Tracker Notebook

S&O Budget Expense Tracker Notebook - Spending Tracker Notebook to Stay Organized - Financial Planner - Budget Notebook - Finance Planner - Budget Tracker & Budget Book - 200 Pages, 8.4” x 1...

If you're looking for a budget journal that has everything you need to keep track of your finances, the S&O Budget Expense Tracker Notebook might be the perfect choice for you.

Pros:
  • Spend Smart & Save More: With this account tracker, you can take control of your personal finances and build better habits with a daily expense planner that helps you make a plan and stick to it.
  • Don't Miss a Detail: This finance journal has space to categorize every debit and credit comprehensively, so you can understand your spending trends and total your spending with ease.
  • Anywhere & Anytime: Take this expense and budget organizer absolutely everywhere for real-time tracking. The expense book has a sturdy cover that holds up in backpacks and briefcases, and a sash to instantly find your place while on the go.
Cons:
  • Limited Customization: The S&O Budget Expense Tracker Notebook is pre-formatted with categories, which may not be ideal for those who prefer to customize their budget journal.
  • No Digital Option: If you prefer to track your finances digitally, this notebook may not be the best choice for you.
  • No Pen Holder: The S&O Budget Expense Tracker Notebook doesn't have a pen holder, which may be inconvenient for some users.
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We’ve been using the S&O Budget Expense Tracker Notebook for a few weeks now, and we’re impressed with its features. The alternating colored rows make it easy to read and categorize expenses, and the lay-flat spiral coil allows for effortless opening to reveal a cleverly placed pocket to stash your receipts and bills.

The notebook is also large enough to write in comfortably, but not so large that it’s cumbersome to carry around. The mint-colored cover with gold foil print gives it a professional look, and the thick 100gsm paper ensures that your writing won’t bleed through to the other side.

Overall, we highly recommend the S&O Budget Expense Tracker Notebook to anyone who wants to take control of their finances and build better spending habits.

Clever Fox Budget Planner & Monthly Bill Organizer With Pockets

Clever Fox Budget Planner & Monthly Bill Organizer With Pockets. Expense Tracker Notebook, Budgeting Journal and Financial Planner Budget Book to Control Your Money. Large Size (8" x 9.5&...

If you're looking for a budget planner that can help you manage your finances and bills in one place, then the Clever Fox Budget Planner & Monthly Bill Organizer with Pockets is a great option to consider.

Pros:
  • Keep your finances organized with pockets
  • Make a budget, monitor expenses & store bills
  • Set & achieve your financial goals strategically
Cons:
  • Some may find the size too large to carry around
  • Not ideal for those who prefer digital budgeting tools
  • The laminated bill pockets may not be as durable as expected
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This budget planner comes in a large format with a durable eco-leather hardcover, thick 120gsm paper, spiral binding, budgeting stickers, user guide, and a keepsake gift box. The 12 laminated bill pockets are a great feature to help you plan your spending, track daily expenses, and keep your financial papers organized. At the end of the month, you can review your performance and consider how to improve.

One of the best things about this budget planner is that it helps you set big money goals, brainstorm your strategy to achieve them, and break these big goals into manageable action steps to work on every month. This financial planner organizer budget book is perfect for those who want to keep track of their finances and stay on top of their bills.

Overall, if you prefer a physical planner over a digital one, then the Clever Fox Budget Planner & Monthly Bill Organizer with Pockets is a great choice. It’s well-designed, easy to use, and comes with a 60-day money-back guarantee.

Taja Budget Planner

Overall, the Taja Budget Planner is a great tool for anyone looking to take control of their finances. Its intuitive page design and comprehensive features make it easy to establish financial goals, monitor income, and plan expenses. Plus, its undated format means you can start your financial journey whenever you’re ready. If you’re looking for a budget planner that can help you achieve financial mastery, the Taja Budget Planner is definitely worth considering.

Buying Guide

When it comes to choosing a budget journal, there are a few key features to consider that can help you make the best decision for your needs. Here are some factors to keep in mind when shopping for a budget journal:

Size and Format

The size and format of your budget journal can have a big impact on how easy it is to use and how effective it is at helping you track your finances. Consider whether you prefer a compact journal that you can easily carry with you, or a larger one that provides more space for detailed notes. You may also want to think about whether you prefer a journal with pre-printed pages or one that allows you to customize your own layouts.

Paper Quality

The quality of the paper in your budget journal can also be important. Look for paper that is thick enough to prevent ink from bleeding through, and that feels smooth and pleasant to write on. You may also want to consider whether the paper is acid-free, which can help prevent yellowing and deterioration over time.

Binding

The binding of your budget journal is another important consideration. Some journals are spiral-bound, which allows them to lay flat and makes it easy to flip back and forth between pages. Others may be bound with a hardcover, which can provide more durability and protection for your notes.

Additional Features

Finally, consider any additional features that may be important to you. For example, you may want a budget journal that includes pockets for storing receipts or other documents, or one that comes with stickers or other accessories to help you personalize your pages. Some journals may also include prompts or guided exercises to help you stay on track with your budgeting goals.

By keeping these factors in mind, you can choose a budget journal that is tailored to your needs and preferences, and that can help you stay organized and on top of your finances.

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Rohit Mittal

Rohit Mittal is the co-founder and CEO of Stilt. Rohit has extensive experience in credit risk analytics and data science. He spent years building credit risk and fraud models for top U.S. banks. In his current role, he defines the overall business strategy, leads debt and capital fundraising efforts, leads product development, and leads other customer-related aspects for the company. Stilt is backed by Y Combinator and has raised a total of $275M in debt and equity funding to date.

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