2015 Family Financial Planner!

This Binder is a lot more than Just a Budget. I love my Family Financial Plan, Since I have been using this I have been so much more organized with my bill's and been able to keep track of our spending. 

Here is what is In the Binder:
- 2015 Calendar
- Monthly Budget Worksheet
- Income Tracker
- Expense Tracker
- Loans & Credit Card Tracker


Here is how my Binder is set up:

I use a 2" Binder that has a pocket on the front and back on the inside. With 4 Divider Tabs, Labeled.
- Budget
- Expenses
- Income Tracker
- Loans & Credit Card's
- Past Months

(1) I have my Binder Cover Page and my Binder spine.

Tip: To make it easier to insert your Binder spine, Open your binder laying it flat on your table with the outside facing up (shown in photo below)

Now insert your Binder Spine.

(2) When you first open My Binder on the Left side there is a pocket I used my label maker to make a label saying  "Bills To Pay" and put it on the outside of the pocket.

 In this Pocket I put all the bill that need to be paid in this spot. I also have a pen, Envelope Opener and checkbook in this pocket, and I have a thing of stamps paper clipped to the pocket, This makes everything I will need in one place.

(3) The First thing you see on the right inside my binder is the Calendar. I use the calendar to write when bills are due.so example: as soon as I get a bill in the mail I check the due date and write it on the calendar Like with the Name and amount, then I place the Bill in the pocket on the left side.

(as seen in photo)

(4) Next I have a Tab Labeled "Budget" I have my budget under this.

(5) A Tab Labeled "Expenses" I have my Expense Tracker page under this. Each week when I sit down to do my bills I gather all receipts and add them to the expense tracker. then I throw away any that I don't need to save for Taxes and any that I do I file in my Filing box.

(6) A tab labeled "Income Tracker" I have my Income Tracker page under this. at the end of each month I add up all my hubby's pay stubs and Side Jobs and add them to the Income Tracker.

(7) A "Loans & Credit Card's" tab I keep my Loan's & Credit Card Tracker Page here

(8) A "Past Months" tab at the end of the month I look over the budget, Expense Tracker & Income Tracker, and I use a blank copy of the monthly budget worksheet and fill it out will everything we did that month I label the top of the budget with the month. and place it in my binder under the "past months" tab along with that month's expense tracker and pay stubs I keep up to 6 months at a time in my binder because every 6 month my hubby and I sit down and go over our budget and spending together this way everything is in one spot and i don't have to search and all my totals are there and I can easily compare to past months and see where we need to cut back or where we can afford to have a little flexibility.



(9) In the very back of my folder is a pocket I put all my Recipes that need to be added to the Expense Tracker in there.

So there you have it that's my Financial Binder. I absolutely love it and love this method it really works for me.

The Binder is Available For Sale In our Shop!

Use This code for 25% Off your binder: 2015bills

Use This Code for 75% Off our Shop: NewShop 

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Please Comment Below!

How do you Organize your Bills?

Do you use a Bill Binder?

Do you have a Family Budget?

What do you think of my Binder?

Help Stop the Spreading of Germs!

It's That Time Again! Cold & Flu Time!

Have you seen a child cough or sneeze and not cover there mouth, and they end up coughing or sneezing all over the other children. yes gross and this is one of the big ways are little once get sick. 

If germs aren't kept under control it can become a never-ending battle once Colds & Flu's enter the household.

This is why its very Important for us to Teach are children early on how to cough properly, it's a benefit to themselves and those around them, especially when it comes to becoming sick at Daycare or school. 

But what is the proper way to cover are mouth?

My mom always taught me and her Daycare Children to cover our mouths with our elbow's and not with our hands.

I as well taught the children in my Childcare to do the same. As we don't use this area to open doors, touch the phone, TV remotes etc... so this helps to stop the spreading of germs to others around us.

Yes this will not make it so you never get sick, but it defiantly will help.

So why not start teaching you children, and even yourself to 

do this.

This product is a big help when it come to teaching children.
Germy Wormy

With Germy Wormy's DVD, picture book, and other products your children are going to learn the importance of these skills and more, 

all in a fun and playful way.

Perfect for pre-school, pre-K, elementary schools, homes, and daycares, the Germy Wormy line is exactly what you need to save money on cold medicines, doctor's co-pays, and time off work.

Click here to visit www.germywormy.com

Please Leave a Comment Below

How do you help stop the spreading of germs?

Evening Routine

As I said in my earlier post about my Morning Routine that when I started trying to be a better housewife I was having a hard time getting everything done, as soon as I would clean something it was messy again.  

So I made myself a morning routine and an evening routine. It took some time for me to get them down and to make them a habit, and I found I needed to adjusting it as I went, tell I found what worked for me. and still to this day I change it a little from time to time. Hey life changes so, so do our routines.

<<See Morning Routine Here

Here is my Evening Routine

5:20pm Put a load in the wash (I have a laundry routine I follow to the T and now my hubby never says, "I'm out of underwear!").

5:25pm Start making dinner

6:00pm Serve dinner.  Eat as a family at the dinner table.

6:25pm Put wash load in the dryer or on the line.

6:30pm Make lunches for the next day.

6:40pm Tidy kitchen, do dishes, turn on dishwasher, wipe counter, quick vacuum the kitchen floor, under the dinning chairs and the front door entryway. I have the Swiffer SweeperVac that I use for a quick pick up.

6:55pm Clean up for bed (wash my face, put Pj's on etc...)

7:05pm Straighten up the bathroom

7:10pm Do a walk through of the house (picking up anything that is out of place and putting it in my keep box)

7:20pm Clean out keep box

7:30pm Relax with hubby until bed.  Maybe fold laundry if I'm up for it.

I Hope this gives you some good Ideas.

Let me know what your routine is like by commenting below or emailing me at contactus@ultimatehousewife.com

Morning Routine

When I started trying to be a better housewife I was having a hard time getting everything done, as soon as I would clean something it was messy again. The biggest thing that helped me keep my home Clean and keep me from going crazy was having Routine's and stinking to them. 

So I made myself a morning routine and an evening routine. It took some time for me to get them down and to make them a habit, and I found I needed to adjusting it as I went, tell I found what worked for me. and still to this day I change it a little from time to time. Hey life changes so, so do our routines.

So Here is My Morning Routine.

6:15AM Wake up & Shower

6:35AM Make Breakfast & Pack Lunch (Lunch was made the night before)

6:50AM Eat as a Family

7:05AM Unpack Dishwasher (It was ran the night before)

7:15AM Pack Dishwasher, Wipe Counter

7:25AM Put away Clean Laundry (It was Washed the night before) 

7:45AM Make Bed & Pick Up room (I don't do this when I first wake because my Hubby is still sleeping, and i always give the bed Time to air out, this is good to kill Germs)

8:00AM Finish Getting Dressed Make-up & Hair

8:20AM Wipe Over Bathroom

8:30AM Check To Do List and Calender

8:35AM If going somewhere put stuff by Door ready to go (Lunch, Purse, Keys, Jacket, shoes etc..)

8:45AM Off to were I need to be or If staying home for the Day I Start my Daily Task's 

                                                                                                                See Evening Routine Here>>

I Hope this can Give You some Ideas on How to make you Morning Routine and What to add. 

Please Comment Below Telling Use your Morning Routine!

Or And Tips you may have or feel free to email me at contactus@ultimatehousewife.com

Tip of the Day! #1

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Do a Little Laundry!It's NOT your Day to do LAUNDRY who Cares!

If you have some free time and you have a Full load of Laundry to do, even just one load Do It! Its always better to keep on top of things!

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