Cool new product (and giveaway) –> Budgeting Stickers!!


Got a cool new product to pass along your way today, particularly for those who love some journaling/scrapbooking/good ol’ sticker fun ;)

They come from my friend Michael Murphy who invented those Investing Journals we featured earlier in the year, and this time around he’s set his focus on helping people get excited about (and actually STICKING TO) their budgets more – quite literally! He’s calling them Budget Bear Budgeting Stickers, and you can see a smattering of what they look like below :)

But before we get to all that, let me announce the winners real quick of last week’s book giveaway — Quit Like a Millionaire, which turned out to be a super popular drawing as over 300 of you entered for it! And rightfully so as it’s a great book! But alas we only have two copies to hand out, and the lucky new owners of those two are….. dum dum dum… MK and Linda (Commenter #118) – Congrats, guys!  Hope they get you both to a milly faster!

And now back to these baller stickers…

The Budget Bear Budgeting Stickers

Per my friend —

“The Budget Bear is a fun sticker book guide to help a person create a new budget using stickers with guided instructions and examples. Other sticker pages help a person use stickers to figure our their net worth, spending habits, and other fun random budgeting stickers. The Budget Bear contains 10 pages total with over 1400 unique stickers in each booklet.”

1,400 stickers!! All around finance!!!

Here’s more about them below, along with examples of what they look like…

budget bear sticker pack

budget bear stickers - spending

budgeting stickers


budget bear stickers - commiting

budget bear stickers

budget bear stickers - net worth

budget bear habit stickers

More from the Budget Bear website:

The Budget Bear Habit Stickers are designed to be used with any journal, notebook, planner, or calendar. You simply follow the instructions on each page; then use the stickers as labels writing in your specific information for each step…

Use these budgeting stickers to make budgeting fun, and to create a budget that you can actually keep. Building better spending and budgeting habits is key to growing your personal finances.


  • Spending Assessment
  • Create a Personalized Budget
  • Tracking and Commitment Stickers
  • Credit / Debit Card Label Stickers and Receipt Stickers
  • Spending Matrix to Learn about your Spending Habits
  • Net worth assessment stickers to learn how much you’re worth on paper
  • Monthly Labels & Variety of Star and Coin Stickers


Price for the stickers: $24.99, currently discounted down to $17.97!

[UPDATE: Michael just hooked us up with a 15% off promo code making it even CHEAPER for anyone who’s interested! Just enter “JMONEY” at checkout to get it, or if you’re on mobile click to view the summary and you’ll find the place to enter it there before paying. Hope it helps!]

Learn more/order them here: Budget Bear Budgeting Stickers


Wanna chance to win a free pack of these??

Answer this question below in the comments or via email, and I’ll randomly select THREE of you to win your very own financial sticker book ;)

What’s the one area you SUCK at with budgeting??

And for extra credit – what’s the one area you ROCK to help make up for all that sucking?? ;)

Send in your answers by midnight this Friday, August 30th, and you’ll automatically be entered to win… U.S. only for this one, unfortunately…

Good luck!! And keep on creating FUN new ways to get people excited about this stuff!!! Never know what will click and change someone’s financial life! Pass this to anyone you think might be helped by it!


Huge congrats to Sara, Leslie S., and Lisa B. for winning the stickers!! Hope they get you closer to being a millionaire! :)


PS: Michael hooked me up with some free stickers and compensation for sharing this today, though I would have gladly done it anyways because BUDGETING STICKERS!!

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  1. Eperk31 August 27, 2019 at 6:00 AM

    The area I suck at budgeting is eating out. I’ve cut back a lot but I can’t cut it out completely. I make up for it by finding new ways/hacks to save energy on utilities on the home.

    1. J. Money August 27, 2019 at 6:36 AM

      Rock on…

      I still want to research solar panels more and see if they’re worth it! I feel like that could be a great investment that will literally pay you back with each passing month :)

        1. J. Money August 27, 2019 at 7:22 PM

          Great – thank you!!

  2. Sara August 27, 2019 at 6:07 AM

    Good morning, I love this idea and plan to use it with my kids to help educate them on budgeting. So cool! I stink at keeping dinners out under control, so tempting to not have to cook. I am great at planning for small house project remodels and sticking to the budget by finding items on clearance and doing the work ourselves.
    Love your blog!

    1. J. Money August 27, 2019 at 6:36 AM

      Can I hire you to do work at MY house please???? :)

  3. Gene Roberts August 27, 2019 at 6:30 AM

    Neat idea for introducing kids to finances.

    A kid that’s really into stickers would learn something about money whether they wanted to or not. :)

    Oops, I gotta go. My budget spreadsheet is giving me side-eye.

    1. J. Money August 27, 2019 at 6:37 AM


      You know these are for *adults* too, right???

      Add some spice to that boring spreadsheet of yours!! ;)

  4. Gene Roberts August 27, 2019 at 7:20 AM

    Good point, and it would liven it up a bit.
    (although, **cough**, I thought budgets were already sexy – not boring)

    But I’m pretty sure when I switched apps the stickers would still be on my monitor. :)

    1. J. Money August 27, 2019 at 7:32 AM

      Only one way to find out!

  5. Jessica August 27, 2019 at 7:35 AM

    I suck at sticking to my grocery budget! But, I rock my discretionary spending budget because I enjoy just staying home in my free time.

  6. terri August 27, 2019 at 7:42 AM

    I generally stink at gift giving, that area of my budget is out of control. I think we spend way too much in that area, but it’s difficult to cut back when other family members are always overgenerous. My local grocery store, Shoprite, has promotions where you buy a $50 gift card and you get $10 for next week’s grocery trip. So I keep an envelope with gift cards for gift giving or gift shopping.
    I have learned to keep groceries under control and stocking up on the food items we actually eat and use. I buy those things when they are on sale and plan our menu around those items.

    1. J. Money August 28, 2019 at 5:42 AM

      That is a tricky one with gift giving!! About to actually blog about that soon as I’m not even that great at giving gifts itself! Even though I wish I were!

  7. Jessica P. August 27, 2019 at 7:56 AM

    Travel is my vice! I suck at budgeting when it comes to spending money while I’m on vacation. Between hotels, plane tickets, going out to eat, etc., I could definitely learn to be more frugal. I just get so excited and have a hard time not making it emotional. It’s what I live for! The ironic thing is, I know if I were smart about it, I could travel even more.

    However, I rock at paying my bills every month and making those my priority. If my bills aren’t paid, then I’m not going out or spending money on fun. I also stash money every paycheck, so I definitely pay myself first!

    1. J. Money August 28, 2019 at 5:49 AM

      Haha yeah…. vacation spending is sooooo much easier to do than regular spending :) Feels more like monopoly money at times than real money!

  8. Becky August 27, 2019 at 8:37 AM

    The area I suck at budgeting is the follow through. I can set up a budget with what we “should” spend, but when we overspend in that area, I just borrow from what would have gone to savings or extra debt repayment to cover our overspending. But I do feel like I can put ‘some’ of the blame on my husband, because it’s hard to keep track of a budget when the other person doesn’t care as much.

    What I’m awesome at is rounding up debt payments. We may not be able to put a ton extra towards our debts, but you can bet that every debt is rounded up to the next $10 or $5. For example, one of our vehicle loans is supposed to be somewhere around $380 or $390 and some change (I honestly don’t know what it should be because I’m so used to overpaying!!) but I always pay $400, just so we can get rid of it faster, even if it’s not a lot faster, every little bit helps.

    1. J. Money August 28, 2019 at 5:50 AM

      Excellent idea!! And you barely even notice it too!

  9. Lisa August 27, 2019 at 9:22 AM

    I suck at sticking to the eating out limit in my budget – It should get better as summer ends. My other half loves to go out after work and we make it back home after 10 most nights.

    I rock at crushing debt – so far this year I’ve crushed over $9000 in debt so I’m getting there.

    1. J. Money August 28, 2019 at 5:50 AM

      Awesome!!! Congrats!!

  10. Mary August 27, 2019 at 9:23 AM

    I suck at eating food out currently…sometimes 3 meals a day! I was working full time and in graduate school full time…such a bad combination. Was definitely taking a combination of “treat yourself” and lack of time as an excuse to not meal prep and plan. I have cut back a smidge, but need to get it together. Also, with all those meals out, I basically have been paying to gain weight.

    Well, at the end of the day, I am too busy and tired to shop for excess material goods or buy alcoholic drinks out! This period of zero time in the shops/bars, has made me realize how much extra stuff I was buying on an almost seasonal basis.

    1. J. Money August 28, 2019 at 6:01 AM

      Paying to gain weight – crazy to think about when put that way!

  11. Becky B August 27, 2019 at 10:40 AM

    Something I spend too much money on is: notebooks, journals, cool planning calendars. You would think I was super organized, but sometimes I buy a new notebook to try to “organize” myself, LOL! I am doing well in other areas though and my husband and I are striving to be consumer debt free by March. Hope to win one of your giveaways someday!

    1. J. Money August 28, 2019 at 6:02 AM

      On the plus side – if you win these stickers you have plenty of places to stick them!! ;)

  12. Marc August 27, 2019 at 10:52 AM

    We definitely suck at eating out. We spend way too much than I’d like to admit. I guess we make up for it by being frugal with pretty much everything else

  13. Samantha Chapman August 27, 2019 at 11:03 AM

    What a cute product!

    I suck at budgeting clothing. We don’t shop for clothes very often but suddenly “it’s time” and I didn’t have that line item accounted for in that particular month. Especially with 3 little ones, when the season changes and they try to put pants back on again, Holy moly! Time for some new clothes.

    A budget area where we rock at are our utilities – I always over estimate in the budget so those bills never surprise me. I could have our gas and electricity annualized but I feel like I keep a better pulse on our usage when I’m seeing the real charge every month. I also don’t want a surprise at the end of the year when the cost gets re-adjusted.

    1. J. Money August 28, 2019 at 6:04 AM

      And kids GROW so fast too!! The clothes are hardly worn before you have to start upgrading – crazy…. (although on the flip side since they’re all barely worn they make for great hand me downs to the younger siblings :))

  14. Nita August 27, 2019 at 11:18 AM

    Not entering, but while I stick to my budget, I suck at not being tight at the end of the month. I’ve made big progress on impulse buying, especially eating out, but still, every time, I have about 10% of my initial budget left on the final week, instead of the ideal 25%. I should be able to have it run more smoothly.

  15. Kelli August 27, 2019 at 12:15 PM

    These stickers are so cute!

    My biggest budget fail category is definitely food. What can I say, I like to eat! I love trying new restaurants and am not ambitious about or good at cooking, so I go out way more than I should. I’m working on scaling it back though.

  16. Hannah August 27, 2019 at 12:30 PM

    I suck at paying taxes. I’m faithful about setting money aside for taxes, but I often pay them a week or two late :/ Other parts of the budget ebb and flow, but taxes are consistently late.

    1. J. Money August 28, 2019 at 6:06 AM

      Have you tried setting automatic calendar reminders for ’em?? That’s helped me to be on top of things more… Esp when you set the calendar item to hit 2 weeks before they’re actually due :)

      1. Hannah August 28, 2019 at 10:50 AM

        Sadly, even calendar reminders don’t help me do things I don’t want to do. Maybe if I promise myself a new sticker for paying taxes on time, I’ll do it on time :)

        1. J. Money August 30, 2019 at 11:40 AM

          haha… I like the way you think.

  17. SL August 27, 2019 at 1:16 PM

    What’s the one area you SUCK at with budgeting??
    Mine is eating out — It is a larger portion of my budget than I want; cooking for one is extremely boring.

    And for extra credit – what’s the one area you ROCK to help make up for all that sucking?? ;)
    My budget kicka$$ery (see what I did there? *grin*) is definitely in sliding completed bills over to savings. Anytime I lower a completing or lowered bill, the difference gets put into my savings portion of my biweekly direct deposit (separated into three portions: X to savings, Y to mortgage account, % rest to main account) and I maximize my 401k and matching.

    BTW: If that lowered bill goes back up again, or I add a new one, I do not pull it from the savings portion of the paycheck.

    1. J. Money August 28, 2019 at 6:06 AM

      Smart!!! Love it!

  18. Brook August 27, 2019 at 2:54 PM

    I suck at budgeting for eating out! It’s so convenient as a busy family who resists doing dishes.

  19. Eelis Vatanen August 27, 2019 at 3:36 PM

    How comprehensive are the instructions?
    I have no idea how this should work.

    1. J. Money August 28, 2019 at 6:10 AM

      Instructions in the sticker book?

      Haven’t seen a real life copy yet (I’m getting one mailed for my kids!), but I’d imagine it would explain the best ways to use them? I just assumed they were more for prettying up physical budgets and making them more fun, but I’m sure they can be used in multiple ways..

  20. Samantha August 27, 2019 at 3:54 PM

    Oh man I LOVE stickers.

    I really rock with automatic withdrawals into the different savings buckets, and for bills and retirement. So easy. But I’m not great at balancing the checkbook every month. Or tracking long-term to look for trends.

  21. Matt August 27, 2019 at 7:26 PM

    I suck at influencing my wife to budget. I grew up doing it, she didn’t. She does love planning stickers, so maybe budgeting stickers would work on her.

    1. J. Money August 28, 2019 at 6:12 AM

      How funny would it be if these completely changed her life when it came to money??! :)

  22. Suz August 27, 2019 at 8:11 PM

    Stickers are not just for kids–I have an obsession with them and cute prints on washi tape!

    The area I suck at with budgeting: My “Dining out” category. (By the looks of the other comments, I am not alone on this. :) )

    But the area I rock? Everything else, because all the bills, savings and investments are automated and tracked.

  23. elizabeth buck August 27, 2019 at 8:13 PM

    I suck at budgeting for eating out. I always underestimate and I can’t say no to a meal I didn’t cook lol. We only eat out at like Qdoba or Chick-fil-A so it’s not like 30+ dollar sit down places (family of 4) I’m best at saving a good chunk of our money monthly. We save about 38% of take home pay on one income. One car helps out a ton + only debt is our home.

    1. J. Money August 28, 2019 at 6:13 AM

      38% on one income!! Amazing!!! I feel like you should be able to eat out as much as you’d like when you’re doing so well in the savings area haha… or maybe just top it off at a nice even 40% and then go back to eating out ;)

  24. Devin August 28, 2019 at 3:13 AM

    Hi J. Money!

    Welcome back from your well-deserved sabbatical! And OMG STICKERS!!! I definitely want to be in the running for these, so here are my answers to your questions:

    1) I absolutely suck at keeping my overall credit card balances down. I use a credit card for almost every purchase because I’m hoping that the points will take me Macedonia someday (there’s so much I want to see there!) and I only have balances on two cards right now, but I’m definitely tired of doing the balance transfer shuffle every 12-15 months. Both of my cards are currently at 0% APR, but I paid an up front 4% fee to get the APR on one, and the other card’s 0% introductory rate expires in July 2020. I’ll easily have the older card paid off by January 2020, when the transfer rate expires, but it’ll take some serious hustlin’ to pay down the intro rate on my newer card. I’ve had some big work done on my home this year and I’ve fallen into the trap of “feeling like I deserve stuff” more often than I’d like lately.

    Aside from the occasional balance transfer fee, which is more than just loose change, I do not pay interest on my credit cards as a rule. But I keep thinking about how much more I could do with my money if I wasn’t constantly chasing my tail like this, so I give myself low marks for revolving credit discipline.


    2) I rock my food budget every month! I never eat at restaurants on a normal day (restaurants are for birthdays and road trips) and I manage my caffeine habit by brewing at home and drinking any free coffee available to me without succumbing to the temptation of overpriced espresso. It’s worth noting that I am from Seattle (though I live in a different part of Washington now) and I’d like to raise myself up as a beacon to all Seattleites that there IS life and functionality outside of the espresso bar!!

    As far as food goes, I’m diligent about cooking at home and freezing ahead for the days I don’t have time to cook. The lunches I bring to work are creative and frugal – lots of one pot rice and bean remixes – and my social life thrives without having to live it out in restaurants and bars. Giving up booze three years ago was a huge boon to my disposable income, not to mention my productivity. So…huge gold star for food and beverage!

    I just read all the comments and I see what a sticking point the food thing is for so many. It took me a long time to get good batch cooking mojo going. Now I love it. I only cook about once a week, but I make large quantities and freeze for later so I don’t have to eat the same stuff all the time. But it definitely takes effort and planning to get a rythm going. May you find yours!

    1. J. Money August 30, 2019 at 11:47 AM

      What a thorough answer! I wish I could just award you one of the sticker packs but unfortunately it’s all randomized, haha…

      I’ll be secretly hoping you win one of them though! Love that you’re so good at food/booze as that’s usually a Top 3 issue for most people for sure – including myself (although now I only drink 1 or 2 beers a week vs 100-200 in my partying years, haha…)

      Wishing you good success in that c/c chasing too… I think it would make for an excellent goal to hit by this time next year (100% paid off!!!) and I bet if you set the hard date you’ll find a way to make it happen ;)

      Thanks for stopping by the blog today.

  25. Peter August 28, 2019 at 8:13 PM

    One area I suck at with budgeting is actually my date night budget with my wife! We have a predetermined amount but we just enjoy each other’s company too much in restaurants! We have to make a better habit of using our wonderful bike path to take peaceful (and free) strolls along the city.

    One area we totally rock at is our student loan repayment. Last year we put almost 70% of our income to loans and that was the same year that our first child was born. BOOM! NO EXCUSES FOR SALLIE MAE TO HANG OUT HERE.

    1. J. Money August 30, 2019 at 11:49 AM

      STOP!! How is that even possible???? You need to write up a manuscript or something as it would be a best seller showing people how it’s done! Haha… Rock on!! And you go enjoy those dates together – those will be harder and harder to pull off with those kids popping out! :)

  26. Tracy Ulrich August 29, 2019 at 11:05 AM

    The area I need a lot of improvement in is Out to Eat Budget. We blow it every time!! I also really don’t like the little details involved in budgeting. The place where I rock is always ending up in the positive at the end of the month.

    A little background though: We Give first, then Save, and then Spend with our money. Our Giving and Saving is automatic so the priorities are set. I am a full time stay at home mom (of multiple kids including one with some pretty significant disabilities) and I homeschool my kids. Its busy! However, I decided a few years back that I would rather pay someone else to do some of the cooking and cleaning.. as such I also work full time for our local University. I teach online courses and manage research grants from home (mostly at night when the kids are sleeping). My husband works full time and is completing his Doctorate full time as well. We run pretty hard but love our life. This has given us a ton of financial freedom to save and get rocking on our FIRE goals. It has also allowed me to feel perfectly at ease going out to eat when I want to, hiring someone to cut our grass, and occasionally hire someone to come in and help clean once a month. So in regards to budgeting, I hate the details but am quite happy as long as there is a good chunk of money left over at the end of the month to decide what we want to do with (mostly save for additional rental property investments, pay for school, and save!)

    1. J. Money August 30, 2019 at 11:51 AM

      BOOM!!! Super mom!!! You deserve these stickers STAT, haha…

  27. Crystal C August 29, 2019 at 11:39 PM

    I suck at budgeting overall so I’ve stopped. Now, I automate everything upfront (savings, investing and all bills) and live off the rest.

  28. Erin August 30, 2019 at 1:37 PM

    Area I suck with budgeting is eating out (it’s just so convenient). Most of the rest of my monthly bills are automated and typically run about the same (or close to) every month.

  29. J. Money September 2, 2019 at 10:52 AM


    Huge congrats to Sara, Leslie S., and Lisa B. for winning the stickers!!

    Hope they get you closer to being a millionaire! :)

  30. ThePoorInvestor September 5, 2019 at 4:30 AM

    This is a nice incentive. I might get pair to encourage my girlfriend to make a better budget for herself :) She has a thing for spending what she earns. Maybe stickers can be used to create a better overview for her.

    1. J. Money September 12, 2019 at 7:02 AM

      Never know! We’re all wired so differently and sometimes it’s the small things that click :)