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This Monthly Bill Planner and Budget Tracker with motivational quotes is a wonderful way to track your expenses and organize how much money you have coming in and going out every month! NOTE: This Budget Planner does NOT include envelopes for receipts. It does include: A Monthly Calendar with inspirational quotes where you can mark important payment due dates, or any upcoming expenditures. This calendar is fill in the blank, so you can start any time of year. An Income section where you can write down your monthly payments from any jobs or jobs you work, or from your own business(es). A Bills and Subscriptions Services section where you can write down recurring expenses such as your rent or mortgage payment, your Electricity/Utilities bill, Cell Phone, Wifi, Cable, Netflix, Car Insurance, etc. A Savings section where you can write down your contributions to such savings vehicles as your emergency savings account, your retirement account, your child’s 529 college plan, your vacation fund, or whatever happiness you’d like to save up for. A Budgeted Essential Section where you can write down expenses you know you’ll spend money on this month. Many Category Sections, where you can title a category you usually spend money on during the month. An Uncategorized Spending Section for any spending that falls outside of your usual titled categories. A Totals section, where you total everything up and see how much you have left over this month. Good luck budgeting and remember- you’ve got this!