You’re doing better than you think. Now let’s prove it on paper.
Rent goes up, groceries go up, and your pay stays the same. When money feels tight, it’s easy to stop looking at it altogether. Pencil It Out gives you a calm place to sit down with your money once a month and once a week, so you always know where you stand.
You don’t need to be good with spreadsheets or start in January. Pick any month, write down where you are right now, and build from there one page at a time. By the end of the year you’ll have a full record of every win, every hard month and every dollar you chose to save.
What’s inside (156 pages)
7 start-here pages: Welcome, How to Use This Planner, the Five Leaves Framework, a Financial Confidence Assessment, My Financial Snapshot, My Financial Priorities and My Financial North Star.
12 Meet Your Month pages: a monthly calendar with a plan for your income, needs, wants and goals.
12 Bills at a Glance pages: list each bill with its due date and amount, then tick it off once it’s paid.
48 Weekly Money Check-Ins: your biggest win, your biggest challenge, how you’re feeling about money, and what you planned to spend compared with what you actually spent.
48 Expense Trackers: log every purchase and mark it as a need or a want.
12 Savings Trackers: fill in a leaf for each milestone on the way to your goal.
12 Monthly Reflections: your wins, your lessons, a spending wheel, your month in numbers and your no-spend days.
My Year at a Glance and My Year in Review: your whole year on one page, plus a chance to compare your confidence score with where you started.
Made to fit your life
Undated, so you can start any month of the year.
Fillable, so you can type straight into it on your laptop, tablet or phone.
It does the math for you. In the free Adobe Acrobat Reader, your confidence score, monthly plan, expense totals (split into needs and wants), savings remaining and month in numbers all add up on their own. Your Year at a Glance also fills itself in from each Monthly Reflection.
Clickable month tabs take you straight to any month.
Printable on US Letter paper (8.5 x 11 in, portrait). Print the whole year or just one month at a time.
This planner is for you if…
You want a simple, kind way to plan your money every month.
You’re making a budget for the first time, or you’re getting back on track after a rough patch.
You want to see where your money goes and how you feel about it.
You’d like to watch your progress build over a whole year.
What you’ll get
One PDF file: Pencil It Out – Financial Confidence Planner (156 pages, fillable and printable). Your download link appears right after checkout and is also sent to your email.
FAQ
Which app should I use to fill it in?
Use Adobe Acrobat Reader, which is free on your computer, tablet and phone. Other apps such as Apple Preview will let you type, but the totals won’t add up on their own.
Can I print it?
Yes. Every page is sized for US Letter paper. If your printer uses A4, choose “Fit to page” in your print settings.
Can I use it again next year?
Yes. Save a blank copy before you start, and you’ll always have a fresh planner ready.
Will anything be mailed to me?
No. This is a digital download, so no physical item will be shipped.
Good to know
Colours may look slightly different on screen and in print. The planner is for personal use only, so please don’t share or resell the file. Because it’s a digital download, we can’t offer returns or exchanges, but if something isn’t working, email hello@mybudgetleaf.com and we’ll help you sort it out.
