Budgeting Workbook | Unboxing, Flip Through & First Impressions

As we start to prepare for 2021, I embarked on a quest for the perfect cashflow planner. Yup. A paper planner., because I suck at keeping track of things if it’s solely digital.

I bought the Budgeting Workbook from Amazon for $9.01 CAD. It is a best-selling item for its category on Amazon and has received positive reviews. The one that said that the planner made budgeting “fun” intrigued me.

Budgeting Workbook Specs

• Monthly & Weekly Budget Planner pages for one year

• Expense Tracker Bill Organizer for one year

• Note pages

Check out my vlog, which features a detailed flip through:

I did have one runner up: the Ardium Semi Year Cash Book, available for approximately $15,95 USD.

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How do you keep of your budgeting and expenses? Any tips or recommendations? Share them in the Comments.

DISCLAIMER: This description contains Amazon links. If you click on a product link and make a purchase the Studio will receive a small commission. Thank you for supporting our channel and blog.

Wordsworth Planner | Unboxing, Flip Through & First Impressions

My ongoing quest to find the perfect planner led me to the Bullet Journal method, which has been, for the most part, the ideal planner. However, my challenge remains as it always has been - time. It just takes so much time to lay out all the spreads.

At the beginning of the school year, I embarked on a quest for the perfect planner with pre-made spreads, but still has the flexibility to work as a Bullet Journal. My journey led me to the Wordsworth Daily Planner, which has various elements of bullet journalling that I love, without spending hours setting up spreads.

The Wordsworth Planner

I purchased a 2020 Non-Dated Daily Planner from Amazon for $24.95 CAD. Specs are:

• 320 pages, 120 gsm paper

• lies 180 degrees flat

• back pocket

• two page markers

• acid-free paper

• no bleeding or ghosting

• stickers

It comes with a How to Use Your Wordsworth Planner guidebook. There are also various resources available on the Wordsworth Planner website.

Check out my Unboxing, Flip Through & First Impressions video here:

The Runners Up

These are the planners that I almost went with:

• The Clever Fox Undated Planner ($26.99 to $49.99 CAD)

• Mochi Things 2021 Prism Monthly Planner ($28.95 USD)

• Mochi Things 2021 Medium Ardium Planner ($39.95 USD)

DISCLAIMER: This description contains Amazon links. If you click on a product link and make a purchase the Studio will receive a small commission. Thank you for supporting our channel and blog.

My Bullet Journal Adventures

For most of my professional career, I’ve purchased various daytimers and planners, only to find that after a few months (or in some case, weeks), that they simply weren’t functional. The disjunct was even more obvious when I started teaching piano full-time. All day planners with an appointment scheduler at the time were geared towards people who work a 9 - 5, Monday - Friday job. None had sufficient note-taking, planning, and doodling space for my needs.

When I got my first smartphone, I tried to use it for note-taking and planning. I found it way too finicky. I forgot things. Productivity plummeted. The doodler in me was grumpy.

I suppose Evernote would be the closest in meeting my note-taking, planning, and doodling needs but I’ve noticed that I remember more if I write things down by hand, versus typing it in on a computer or mobile device. Plus, I’m more likely to flip through a notebook to review notes than read something I typed up. Not only that, if I have the space to doodle and brainstorm, it’s easier for me to see patterns and themes and come up with a plan.

Now, I can’t remember exactly how or when I stumbled upon Ryder Carroll’s Bullet Journal system. For those who are unfamiliar with the BuJo system, it’s an analog, pen and paper planner.

I liked its similarities to Stephen Covey’s 7 Effective Habits daytimers in terms of functionality. I simply loved how I could use up as much or as little space as I need from day to day. I was so excited at the prospect of personalizing my layout from month-to-month, week-to- week, or even day-to-day:

I started by designing my own pages after researching what other creative professionals have done:

It was a lot of fun at first. Perhaps, too much fun. I was spending too much time designing the layouts than actually getting stuff done. That’s when I tried the Leuchtthurn 1917 dot grid notebook that many BuJo people use.

My pile of Bullet Journals. Credit: R-M Arca.

At first, I tried following Ryder’s format but very quickly, I found myself playing around with timelines. I had it in my head to try seeing where all my time went. It was quite fun too, and since you don’t have every day pre-printed, it was very easy to change my layouts.

It’s been over three years and my BuJo has evolved numerous times. The layout is far simpler than my earlier days shown above and my layout has remained fairly consistent for at least a year. However, the colour-coding to denote different areas in my life has remained fairly consistent:

Colour coding is a simple way for me to see what’s going on and what’s on tap in a single glance.

I made a few changes to Ryder’s set-up. I moved my Monthly Spreads to the front. They also serve as my Future Log. I also switched to a graphical calendar layout because my brain likes it better.

The Collections are the pièce de resistance for me. Ryder calls anything else that isn’t part of the Future Log, Monthlies or Dailies a Collection, for instance: shopping lists, wish lists, budgets, etc.

Some of the Collections in my Bullet Journal are:

• Borrowed Items

• Repertoire to Learn (#workingmusician)

• Tech Projects (#techteacher)

• Monthly Cashflow

• Things Worth Checking Out

• Bible Reading Tracker

There is only one downside to this level of customization and that is, it does take more time to get your Bullet Journal set up. Each time you move to a new book, you need to migrate your Collections as well. However, there are many more plusses to make it the planner and scheduler for me.

Here we are at the beginning of a new teaching year. My brain is already thinking about next year. I am torn between three options:

Option 1: Continue using a dot-grid notebook

Pros: I already have the kinks worked out and know which collections are getting migrated into the next book.

Cons: The time it takes to set up a new notebook.

Option 2: Use a Traveller’s Notebook

Pros: Collections, Studio, Personal, Dojo, and financial stuff can be housed in separate notebooks that are inserted and removed from the Traveller’s Notebook cover with great ease. Also, they don’t need to be rewritten when the monthlies, weeklies, and/or dailies notebook is full.

I already have my teaching binder separate from my BuJo proper, so it’s just taking the compartmentalizing of my life to the next level.

Cons: Time needed to set up all the notebooks.

Option 3: Get a pre-made planner.

Gasp! What was that? Didn’t I start the Bullet Journal journey because I was looking for flexibility?

With more digging, I found these pre-made planners that still offer me flexibility in my weekly and daily layouts but there’s enough pre-made pages laid out similarly to what I have in my dot-grid Bullet Journals. The ones with the asterisk denote ones that would require a separate notebook for Collections.

• Large Agenda Scheduler v3

• Large Agenda Scheduler

• 2019 Medium Ardium Planner*

• 2019 Ardium Spring Journal Planner*

I find that I keep better tabs on cashflow if I write things down, so I have bookmarked this cute little book. For studio operations, I still use My Music Staff, but do keep better tabs on my budgeting and spending, I have found that having those spreads in my Bullet Journal has been illuminating.

It has been an interesting few years in my Bullet Journal journey. By far, it’s the best system I have found in terms of planning and organizing my life.

Word of the Year

Here we are in 2017. Happy New Year! Merry Orthodox Christmas! 

As some of you know, I have been keeping a Bullet Journal in my ongoing efforts to increase productivity, improve memory, etc. Trust me, that blog post is coming. It has been percolating the back of my mind for a while.

This week, my fellow BuJoers on Facebook have been discussing the topic of setting a "word of the year" to place at the beginning of their Bullet Journal. Some have come up with fantastic words, such as "arise," "healing", "listen", and "focus."

Although, I do have several words floating around in my mind, I haven't been able to settle on just one that feels right.

My Bullet Journal Cover Page so far. It's a start. Photo: R-M Arca.

What about you? Do you have a word of the year? Please share below.

My KonMari Journey: Clothes and Books

My KonMari journey began last summer, after several friends urged me all spring to give it a try. I liked the idea of decluttering by category versus room as well as going from easy (clothes), gradually working our way up to hard (sentimental items).

Before jumping in though, I checked out some YouTube videos on the subject. I especially enjoyed watching Lavendaire's video on organizing her closet:

I then found a fantastic KonMari checklist on Jersha & Dup's site and jumped in. Sometime between decluttering clothes and books, I purchased Marie Kondo's book, The Magical Art of Tidying Up. It was a very quick read.

KonMari Method Round 1: Clothes

Applying the KonMari Method on clothes was fairly easy. I believe it took me one or two weeks, most likely because I have done some decluttering on a yearly basis. However, this was the most aggressive decluttering that I have ever done.

Although Marie Kondo states to keep only what sparks joy, I stretched my criteria to include, "Items I Need for Work" and "Things that Make Me Feel Good." Everything that didn't meet this criteria was given away to family, friends, students, and charity. Let's just say I have quite a few Hero Cards from Value Village. 

I went by section off of Jersha & Dup's list, so one day, I tackled shirts. Next day, pants. It was illuminating to see just how many items I was hanging onto that no longer fit or I simply hadn't worn for years. After some heavy duty KM-ing, I had tons of room in my closet and dresser to give each item a proper home. 

I am pleased to say that one year later, everything generally goes back to their home when not in use. There is definitely a sense of belonging to see them placed in their allotted cubbyholes.

This is the longest that my t-shirt drawer has ever been this organized.

My parents picked up three of these units at a garage sale. Since they weren't using them, I snagged them to organize my purses, stuff in my craft room, and my winter gloves, scarves, etc.

KonMari Round 2: Books and More Books

I didn't think that I was a huge bibliophobe, but I do have a sizeable personal and work-related book collection. It was impossible to get all my books (including music books) into one room for the discarding process, so again, I went in categories.

This was the beginnings of my discarding phase in the music studio.

Some of the books that I let go of.

KMi-ing my book collection was also a Summer 2015 project. It wasn't particularly difficult to decide what to let go of. Yes, I let go of books I liked, but they weren't ones I liked enough to want to re-read in the short-term or books that I had re-read on a regular basis. 

My piano students and their parents got first crack at my book discards. Next, a friend who had opened a music school (Flamingo School of Music) went through it. Many of her students are either from low income families or just immigrated to Canada, so the donations were put to good use.

Next, I took books to the Calgary Public Library, then Calgary Co-Op's book sharing bin and Value Village. Sadly, some books weren't wanted by any of these places and wound up in recycling.

One year later, my personal book collection remains organized (with a special basket for books I'm borrowing). My music library remains a work in progress. I'm going to recruit my students to help me re-shelve the books after their lessons for coveted Maestro Bucks.

My personal library - one year after getting the KonMari treatment.

Next time, I'll share my ongoing experiences with paper decluttering. It's been quite the journey - and it's not over yet! Here's a preview:

Before he passed away, Maestro was quite the KonMari Supervisor. As you can see, he wasn't impressed with the amount of paper I had amassed.