20 Things in Your 20s: Create a Savings Calendar

Let’s talk about something that no millennial really wants to talk about: your savings account. Savings accounts can be these awkward, uncomfortable things we talk about as women in our twenties. But if you had any confusion, you need a savings account. Oh, and you need money in it, too. So today, I want to share how I made a savings plan and how you can make one, too.


Create a Savings Calendar

So there are two ways to do this – on a paper planner or even digitally. My first savings planner was in my Day Designer, but I eventually moved it to a note in Evernote because that was a little more flexible.

After I lost my job, I was working part-time to make ends meet as best as I could. I drained through my savings during that time. Now that I have a job, I’m trying to stash as much money back into savings. Knowing that I needed a goal, I started out by writing down my plans.

1. Get a Calendar and Write Down ALL Your Bills

Whether your calendar is digital or paper, get a calendar – a monthly one. Take one color (I use orange) and write down all your bill dates. It’s important to visualize when everything across your month is due. After that, take the time to write down your paydays! I get paid every Friday, so this makes it super easy for me.

2. Break Down How Much You Make

Whether you’re hourly or salary (I’m currently hourly), you’ll typically have an idea of what you take home every week. Make sure you write down every payday. I usually write payday in green because payday means money.

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3. Time to Bust Out the Calculator

If you suck at math like me, it might be time to get your calculator. Take a peek at your bank account and look at what you typically spend on things like groceries and gas. The essentials you need every week. Now that you have those essentials set aside, subtract them from your paycheck. Now you know how much you absolutely, bare minimum need to save.

Then, with that new paycheck total, take away your bills and you’ll have a new total.

4. Be Realistic

Now that you know how much money you have left over every week, every two weeks, etc, it’s time to make a savings plan. But be realistic, life happens. In September, I had the plans to save close to $500. That all ended up going into car repairs – so realize you won’t always make your goal. But set a goal every week that you can aim toward. It’s better to have a goal and not make it than to have no goal and not even try.

5. Keep Yourself Accountable

Every week, or two weeks, check in and make sure you’re still saving. If you need to print a copy of your plan, go ahead and do so. Visualization is so important. Since I get paid every Friday, I make sure to do all my grocery shopping and pay my bills the day I get paid so I clear that all out and by Monday, I know what money I have left for the week.

I know saving money isn’t fun, but trust me – if you find yourself unemployed, you’ll be thankful for those savings. Part of successful adulting is making sure you think ahead of the curve.

If you’re looking to break down a savings calendar, I’ve put together a dateless calendar in Evernote that you can use. Sign-up below to get your calendar.

Get the Savings Calendar

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  1. September 29, 2017 / 3:01 pm

    Having a handle on your finances starting at a young age makes things so much easier in the future!

  2. September 29, 2017 / 4:59 pm

    Great tips! I have a spreadsheet of all my finances to keep me organized and accountable.

  3. September 29, 2017 / 6:34 pm

    I’m a weirdo so I love thinking about ways to save – whether it comes from my full-time job, side gigs or even smart spending. I’ve found it definitely helps to have specific goals to keep myself accountable!

  4. Angeline Holub
    September 29, 2017 / 8:25 pm

    Such great ideas! Thanks for sharing!

  5. nicole simonetti
    October 1, 2017 / 8:22 am

    I wish I was as financially savvy as you are! trying to be though, so this post is super helpful. may or may notttt be needing that calendar! x, nicole // http://www.nicoleeigh.com

  6. Tori Dunlap
    October 1, 2017 / 1:14 pm

    Personal finance in your 20’s is so important (I write a ton about finance) so I absolutely love this post!
    Tori || Victori Media

  7. October 1, 2017 / 2:40 pm

    Amazing tips! I use a calendar and a spreadsheet! They are lifesavers!

  8. Azanique
    October 1, 2017 / 11:58 pm

    These are such great tips! I totally need to create a savings calendar

    -xo, Azanique | http://www.lotsofsass.com

  9. October 2, 2017 / 1:56 pm

    This is great! I can be a bit of a penny pincher so I can make my savings goal each month. I didn’t think to visualize it all on paper, but I should totally do that! Next up for me is a 401K! Eek! But I know I will be thankful I was this way.

  10. Kaitlyn Fickle Killebrew
    October 3, 2017 / 10:18 am

    I really need to listen to these tips! Adulting makes it hard to get off track!

  11. October 3, 2017 / 11:29 pm

    Such a good idea… that I should totally do. I think it’s so important to get your finances in order and organized.

  12. October 10, 2017 / 9:45 am

    You have no idea how much I needed this. I just started at a new job, and I’ve been looking for ways to save money and keep up with my finances.

  13. October 11, 2017 / 10:07 am

    Great tips! Realistic goals always work best for me, that way I don’t get discouraged if I can’t achieve something that’s unattainable to begin with!