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The Beautiful Budget Workbook™ is here!


Click here for the PHYSICAL workbook


Click here for the DIGITAL workbook

It’s time to kick that budget boredom,
build a plan, and start living!

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Hi! I’m Rachel.

I’m a wife, mother of 2 littles, cyber professional by day, and money mogul around the clock!

After years of struggling to find a budget template or framework that worked for me, I decided to build my own. It changed my life and has allowed my family to achieve things we never thought possible: crushing debt ahead of schedule, saving big, and posturing ourselves for early retirement. I’ve been sharing The Money Mantra™ with women just like you ever since!


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Learn. Grow. Live.

That’s what I’m here to help you do. BB is home to personal finance education and serves as your gateway to a community of women just like you, bold enough to make a change and pursue wealth. Take a look around to find budgeting tools, affordable living tips, FREE resources, and more!

Read My Story

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Follow @raemichelleplanners
  • Your budget needs these 8 sections, in order👇🏽 1. Expenses: fixed and variable (fixed are bills/those with a due date and variable are those that change month to month like groceries and dining out) 2. Emergency Fund Contribution (check out my EF 101 video a few reels back for details on this savings effort) 3. Extra debt payments: crush high-interest debt as fast as you can 4. Investing 5. Saving (4 & 5 may flip from time to time and that’s okay) 6. Investing for your family/Giving 7. Fulfillment Portfolio™️ at the family level (date night, renovating the kitchen) 8. Fulfillment Portfolio™️ at the individual level (hobbies, gifts for friends, etc.) —————- Budgeting should not involve guesswork. The 8-Part Budget Template for Google Sheets is an excellent tool to organize your entire financial landscape! It’s linked and comes in 2 designs. I have this system to thank for taking us from negative 5-figure net worths to being on track to retire by 45. And you can do it, too! #budgettemplate #budgetspreadsheet #budgetingforbeginners #budgetingisfun #wealthplanner #wealthbuilding #financialindependenceretireearly #familyfinance #momswhobudget
  • Her foundation will be ROCK SOLID. 😤 ***Income clarification: $2,850 take home + stipends! Millionaire in the Making episode 5! This one is full of gems: 👉🏽 emergency fund calculations + planning 👉🏽 how she can balance investing with a LARGE savings goal 👉🏽 investing order of operations 👉🏽 the role of a taxable brokerage in her lineup 👉🏽 cutting 8-10 YEARS off of her expected retirement age 🤩 all in 26 minutes 😏 🎥 See the full video on the red play button app! Link is on my page. #financialliteracy #financialindependenceretireearly #budgetspreadsheet #budgetplanner #organizedmom #budgetcoach #budgetingisfun #wealthplanner #womenintech #womeninfinance #wealthmindset #howtobudget #howtoinvest #retireearly
  • Build the foundation with the bricks you have. Then worry about more. #financegoals #budgeting101 #howtobudgetandsave #budgetplanner
  • Don’t let these dollars fly away! A budget is simply a plan, and it’s helpful at all income levels. In fact, MORE money means there is MORE at stake. What you do with discretionary income either opens the door to wealth, or it keeps it in the distance. You get to choose. The 8-Part Budget has been my bridge from spender to wealth-builder. From a ➖$20,000 net worth at 27 to now leading my family to early retirement in our 40s. HOW you budget matters! 👉🏽 Follow @raemichelleplanners to get organized and get wealthy - withOUT deprivation at the helm of your strategy. We’re about balance and intention around these parts. 😌 Rooting for you, Rachel •••••••••• Budget template • Budgeting for beginners • Financial literacy • Debt payoff • Budget planner • Budget coach • Easy budget • Budget spreadsheet • Family finance
  • The 2.0 version of you has a budget. And that may seem backwards to you. “Budgeting is for broke people.” The sooner you smash that mentality and realize that 50/30/20 and The Baby Steps aren’t your only options (which are great for some, but to put it plainly - they are not comprehensive enough for you), the “bigger picture” becomes clearer. Wealth-building starts with the “extra” in your budget. The 8-Part Budget helps you brilliantly multi-task your discretionary income. Budget to invest. Invest to build wealth. Head to part 2 to see it all come together! ••••••••••• Budgeting • Budget Planner • Personal Finance • Family Finance • How to Budget • Budget Spreadsheet • How to save and invest
@raemichelleplanners
@raemichelleplanners
•
Follow
Your budget needs these 8 sections, in order👇🏽 1. Expenses: fixed and variable (fixed are bills/those with a due date and variable are those that change month to month like groceries and dining out) 2. Emergency Fund Contribution (check out my EF 101 video a few reels back for details on this savings effort) 3. Extra debt payments: crush high-interest debt as fast as you can 4. Investing 5. Saving (4 & 5 may flip from time to time and that’s okay) 6. Investing for your family/Giving 7. Fulfillment Portfolio™️ at the family level (date night, renovating the kitchen) 8. Fulfillment Portfolio™️ at the individual level (hobbies, gifts for friends, etc.) —————- Budgeting should not involve guesswork. The 8-Part Budget Template for Google Sheets is an excellent tool to organize your entire financial landscape! It’s linked and comes in 2 designs. I have this system to thank for taking us from negative 5-figure net worths to being on track to retire by 45. And you can do it, too! #budgettemplate #budgetspreadsheet #budgetingforbeginners #budgetingisfun #wealthplanner #wealthbuilding #financialindependenceretireearly #familyfinance #momswhobudget
3 days ago
View on Instagram |
1/5
@raemichelleplanners
@raemichelleplanners
•
Follow
Her foundation will be ROCK SOLID. 😤 ***Income clarification: $2,850 take home + stipends! Millionaire in the Making episode 5! This one is full of gems: 👉🏽 emergency fund calculations + planning 👉🏽 how she can balance investing with a LARGE savings goal 👉🏽 investing order of operations 👉🏽 the role of a taxable brokerage in her lineup 👉🏽 cutting 8-10 YEARS off of her expected retirement age 🤩 all in 26 minutes 😏 🎥 See the full video on the red play button app! Link is on my page. #financialliteracy #financialindependenceretireearly #budgetspreadsheet #budgetplanner #organizedmom #budgetcoach #budgetingisfun #wealthplanner #womenintech #womeninfinance #wealthmindset #howtobudget #howtoinvest #retireearly
4 days ago
View on Instagram |
2/5
Build the foundation with the bricks you have. Then worry about more. #financegoals #budgeting101 #howtobudgetandsave #budgetplanner
@raemichelleplanners
@raemichelleplanners
•
Follow
Build the foundation with the bricks you have. Then worry about more. #financegoals #budgeting101 #howtobudgetandsave #budgetplanner
1 week ago
View on Instagram |
3/5
@raemichelleplanners
@raemichelleplanners
•
Follow
Don’t let these dollars fly away! A budget is simply a plan, and it’s helpful at all income levels. In fact, MORE money means there is MORE at stake. What you do with discretionary income either opens the door to wealth, or it keeps it in the distance. You get to choose. The 8-Part Budget has been my bridge from spender to wealth-builder. From a ➖$20,000 net worth at 27 to now leading my family to early retirement in our 40s. HOW you budget matters! 👉🏽 Follow @raemichelleplanners to get organized and get wealthy - withOUT deprivation at the helm of your strategy. We’re about balance and intention around these parts. 😌 Rooting for you, Rachel •••••••••• Budget template • Budgeting for beginners • Financial literacy • Debt payoff • Budget planner • Budget coach • Easy budget • Budget spreadsheet • Family finance
1 week ago
View on Instagram |
4/5
@raemichelleplanners
@raemichelleplanners
•
Follow
The 2.0 version of you has a budget. And that may seem backwards to you. “Budgeting is for broke people.” The sooner you smash that mentality and realize that 50/30/20 and The Baby Steps aren’t your only options (which are great for some, but to put it plainly - they are not comprehensive enough for you), the “bigger picture” becomes clearer. Wealth-building starts with the “extra” in your budget. The 8-Part Budget helps you brilliantly multi-task your discretionary income. Budget to invest. Invest to build wealth. Head to part 2 to see it all come together! ••••••••••• Budgeting • Budget Planner • Personal Finance • Family Finance • How to Budget • Budget Spreadsheet • How to save and invest
1 week ago
View on Instagram |
5/5
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