Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer
TEAM HOELZER NEWSLETTER

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WHAT'S A BUDGET CALENDAR?

A budget calendar is used to track payments, amounts and due dates. They can also be used to keep up with the cash flow that you have coming in and out in a given month. You can use an old-fashioned paper calendar, or there are also digital tools and apps to help as well.




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Your budget calendar should include both your income and your bills. Under income, you can make note of your regular paychecks as well as any extra income you're expecting from a side hustle or gift.

Under bills, you can schedule your normal monthly bills such as electricity, mortgage, and student loan payments. You can also put reminders for any infrequent costs that you'll have in a month, such as yearly subscriptions, birthday gifts, or expected car maintenance.





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WHY USE A BUDGET CALENDAR?

Laying out your income, upcoming purchases, debts and goals each month can help you manage your money and reduce surprises. A budget calendar gives you a sense of what you’ll spend and when. It reminds you to make payments on time, which can prevent fees or a drop in your credit score.

Looking ahead at the month’s expenses also allows you to plan, get in the habit of saving, and making adjustments as needed. For example, if you have a sizable student loan bill coming up, you might cut back on spending the week prior to ensure that you have enough money to make the minimum payment.








To learn more about creating a budget calendar, visit NerdWallet.com



  





















     
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Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com

         



       


                   

   



 
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com




   



   



 
Bryan Hoelzer & Kathryn Hoelzer Team Hoelzer 
513-839-5595 | 513-839-5003
bryan.hoelzer@cbws.com