Items you need as a beginner budgeter.
Here are simple budgeting items for your beginner budgeting journey. All items below are under $20. Affordable and easy to purchase. TIP* Other substitutes for the binder are envelopes. Simple envelopes are just as perfect as a binder. You can also substitute the planner for a pen and paper. Create your own budget planner.
And last but not least, the $1000 slips. They are to add to an envelope and deposit the money in the bank. Most people don't like to have over $1000 in the house. A substitute would be to make your own with pen and paper. I hope this helps. Good luck and feel free to email me if you have any questions.