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Ultra-Streamlined Style for bullet journal

I might have a little time here and there to do creative designs with my journal. But usually I just need it to help manage the day. What's the fastest way to manage a bullet journal? As with many things in life, it depends. Let me offer an overview of the Universal Journal ultra-streamlined style.


The Universal Journal style intends to help you spend as little time as possible setting up and using your bullet journal. It's counter productive to get burned out on a tool that's supposed to help you avoid burning out. This graphic recaps the basics. Check out some other posts on the topic. Bullet Journal Ultra-StreamlinedEfficient workflowDecluttering your JournalStreamlined Color CodingPrintables
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Minimalist bullet journal savings layout

We all recognize the importance of managing our finances responsibly and the bullet journal is a good place to do that. Finance is an area where I want to gather/create useful streamlined layouts.

bullet journal minimalist savings bujo tracker

In our financial lives we have budgets (telling ourselves what our money should do), expenses (tracking the reality of what we did the with that money), and savings (more long term planning). For the Universal Journal, if any of this is to be kept in the bullet journal, it must be streamlined to take as little time as possible to set up.

In an earlier post you can see what is essentially a check list/tracker for financial items that must be done on a monthly basis. That example doesn't involve any numbers, it's just whether something has been done, such as paying bills.

In this installment I'm experimenting with a minimalist savings chart. I will probably try out a landscape version but for now this portrait version is a first attempt. The idea is to keep a short term list of savings in several categories. Short term in this case is annual, as you see the Christmas and vacation savings categories.

In this streamlined approach I wanted to track several savings categories but didn't want to crowd the layout with a bunch of numbers. The exact amounts for things are already kept elsewhere in electronic format. But if I'm out and about I may need a reminder of the general amount I've got saved in a particular category. Unfortunately, I'm just not feeling it with this layout.

Any suggestions for this tracker? What financial trackers do you use? If you've got any photos of yours I'd like to see them. Comment here and please subscribe!
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