The Mindful Budgeting 2018 Planner

The Mindful Budgeting 2018 Planner

Hello, friends! It’s that time of year again! The Mindful Budgeting 2018 Planners are ready! :)

If you remember, I had originally decided not to do another planner this year. The list of reasons why aren’t particularly important (as many were likely stemmed from anxiety). But thanks to your requests + some help from current users of the 2017 planner, I changed my mind! And now this little project I dreamt up in 2015 will carry on for another year. So, thank you for both the push and the support.

Based on the covers, you will notice most things are the same as last year. My designer did such an amazing job, I didn’t want to see her covers go. It looks/feels the same inside, too. But, thanks to your suggestions, there are a few new templates that will make it just a little bit better! And as a fun bonus: I created a free 10-page PDF workbook you can get started with while you’re waiting for your order to arrive!

Before you keep reading, I want to stress two things. First, this is not my “book”. This is a daily planner I’ve been making every year for the last three years that is designed to help people with their personal finances. We’ll talk more about my memoir in the first week of December! And two, I know this planner isn’t for everyone, because no financial tool could possibly be for everyone. But if you think it could be for you, keep reading. :)

The Mindful Budgeting 2018 Planner

Even though this might look like an ordinary day planner, I consider Mindful Budgeting to be somewhat of a course in that I’ve laid it out hoping you will use it a certain way. There is something for you to do every day, week, month and quarter, all of which I outline at the beginning of the planner.

The Mindful Budgeting 2018 Planner

Every day, there is designated space for you to track your spending as well as your to-dos (this is the reason I first created the planner in 2015). At the end of every week, there are also three questions for you to answer that will help you reflect on your spending and plan for the week ahead.

At the beginning of every month, you will write a budget—then later update it, based on the spending you track throughout the month. There is also space for you to reflect on your spending, your habits, and any changes you’ve noticed in yourself or your life.

The Mindful Budgeting 2018 Planner

Every month, you will also be able to update the balances of your debts and your savings (or assets). And thanks to the suggestions from current users of the 2017 planner, I have added three new templates: one to calculate your net worth, one to track your bill payments, and one to map out + budget for large annual expenses.

The Mindful Budgeting 2018 Planner

Finally, every quarter, you will complete a four-step exercise that helps you figure out what your current goals and values are, so you can make sure your monthly budgets align with them; this is, personally, one of my favourite parts of the planner!

By using the Mindful Budgeting 2018 Planner, my hope is you will achieve your goals and finish 2018 with a better understanding of your personal finances. If nothing else, I hope the planner helps you realize what matters most to you, so you can make sure your spending and saving aligns with that.

Full list of features:

  • Daily spending sheets, where you can track both your spending and your to-do list items
  • Full monthly calendars (with Canada/USA holidays)
  • Monthly budget templates
  • Space to do weekly check-ins and monthly reflections
  • Quarterly exercises to map out your goals and make sure your budget aligns with them
  • Spreadsheets to track both your debt repayment and savings progress
  • *NEW* Spreadsheet to track your net worth
  • *NEW* Spreadsheet to track your bill payments, so you never miss one
  • *NEW* Worksheet to map out + budget for large annual expenses
  • Twelve motivational quotes to inspire you, and
  • Instructions on how to use the planner daily, weekly, monthly and quarterly.

Pick from One of Two Covers

There are not one but two different cover designs for the Mindful Budgeting 2018 Planner. Rest assured, what’s inside both options is identical, so you’re not missing anything by ordering one over the other. Just pick the cover that suites you best!

Free Gift with Purchase

Mindful Budgeting 2018 PlannerWhile you wait for your planner to arrive, you can download and get started with a new workbook! This PDF contains 10 pages designed to:

  • figure out where your money has been going
  • name some financial decisions you can be proud of
  • dream (big and small) about the future, and
  • identify how you want to feel about money by the end of 2018.

After placing your order, you should receive a confirmation email in your inbox. Simply forward a copy of that email (or at least a screenshot of the order details) to as proof of purchase, and I’ll send you the workbook!

International Orders (and Prices!)

As you know, I’m Canadian, and therefore the $45 price tag you see above is in Canadian dollars. While the exchange rate usually works in most people’s favour, I also know it’s a lot easier to budget for a purchase when you know how much it’s actually going to cost! So for those of you in the USA, the UK and Australia, here are direct links to the planners in your currency:


The UK


Shipping Information

Each Mindful Budgeting 2018 Planner is ordered, printed and shipped directly from Blurb—my print shop of choice. There are usually a few different shipping options, depending on where you live. And your planner(s) should arrive in a cardboard box, similar to what you’d expect to receive if you ordered a book off Amazon.

That’s a lot of information to digest, so I’ll sum it up by saying this: only buy the planner if it’s something you plan to actually use next year and you have the money for it. I know it’s not for everyone, because there isn’t one financial tool that will work for absolutely everyone. Personal finance is personal, and we all have to find the systems that work for us. I am grateful that this little thing I created has helped hundreds of people so far. And if you think it’s one of the tools that could work for you, I will be grateful for that too. :)

As always, I’m here to answer any questions you have about it!

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  • It looks beautiful! I’d love one but can’t justify the $12 shipping cost. Is there another option for the book next year that could be cheaper?

    • So far, Blurb is the cheapest option I’ve found. In 2015, I shipped all the planners *myself* and learned it cost about $19 to send to the US (flat fee to any state) and anywhere from $9-17 to ship across Canada (based on distance).

  • Been using your sheets for a couple months now and I’m really excited to try this planner in the new year. Thanks for all you do. Just a little bummed that shipping was $12 to Alberta! But c’est la vie!

    • Totally hear you, Melissa. For what it’s worth, when I used to ship the planners myself (2015), it cost $10-11 for me to ship from BC to AB. So $12 is probably about right, now! (Oh, the weird lessons we learn with our jobs, haha.)

  • Hi Cait,
    I generally budget in 4 week periods (not monthly) because I get paid bi-weekly. Would the budget format work for that? or is it broken down by month?

    Thank you so much! I am a new reader, and I love all of your content!

    • Really good question, Jamie! It definitely runs on a calendar year, so budgets are setup for Jan, Feb, Mar, etc. If that doesn’t work with your current budgeting style, I totally understand! I actually wonder if the free templates would be helpful at all. There are weekly spending sheets + a “monthly” budget template, but it’s blank so you could budget for 4 weeks vs. a month!

  • i lOVE my 2017 version! I love it because I’ve been happily using it. And for me it’s made a big difference to track my real behaviour. In the past I would spend hours obsessing over ‘the plan’ but my plan and reality rarely aligned, and i didn’t really know why. This has helped me track (and enjoying tracking) and learn from my real life.
    Needless to say, delighted to have another year to use this tool! And yay for net worth tracking! ;-)
    thanks Cait!

    • I know we’ve talked a bit over email about this, Trish, but I want you to know again how happy this makes me! Your feedback is the exact outcome I’ve wanted for people: to learn from “real life” (the things you ACTUALLY do vs. whatever your aspirations are) and just do what’s best FOR YOU. There are no specific rules to follow. You write them! You’re the boss. It’s your money and your life, and you can decide how you allocate your money to live the life YOU want. Yes yes yes. I’m smiling big over here. :)

  • Looks amazing, haven’t come across these before but I think I might buy one for myself at some point in the future. I always prefer to record my budgeting on paper as opposed to on apps. Thanks for producing these, you’ve done a great job.

  • Oh how I wish this calender would be available in swedish!!! We have different holidays and start our week on mondays, so it would be so much easier to have it more fitted for our planning. No chance you are looking for partners to translate it…?? PLease email me in that case!

    • Ooo, that is such a cool idea, Lizette! It’s probably too late for 2018, because my designer would need to change things… but I will say, I made the week start on Monday! The weeks run Mon-Sun and there are questions to answer at the end of each week (being Sunday). So the only issue might be the holidays? In which case, they are *only* mentioned in the monthly calendar template (not on the daily pages). Just so you know!

  • I wish I had this kind of tool in my 20s. I’m sure it would’ve helped shave a few years off my early retirement goal. I really LOVE that it’s a real BOOK. Writing on paper is becoming a vintage practice anymore. Good stuff, Cait!

    • I’m a die hard paper planner kind of person. I still have a few spreadsheets, of course, but I write EVERYTHING down. Wish we’d both had this when we were younger!

  • Cait,
    I have been working with my brand new Mindful Budgeting planner in preparation for January. So far I am appreciating it. It is forcing me to take a new approach to budgeting, which up until now has really just been me keeping a record of my spending and saving (which did open my eyes quite a bit when I started five years ago). However, what I have been doing is not really budgeting. Instead I have just been allocating a certain amount of money to each category, based in part on whim, less on actual need/want in that area. And certainly very little focus on reducing spending and increasing saving. Each month I just hope my spending falls under my earning (though proudly I put quite a hefty amount toward retirement accounts).

    To make a long comment a bit longer. I appreciate the hard work and thought you put into the planner. Thank you!