Personal Finance (50/30/20 Rule) Tracker - Secrets of the Pastel Midnight + Badge Collection Journal

🌙✨ Secrets of the Pastel Midnight ✨🌙
Collection 10 – A Spooky-Cute Digital Finance Tracker!

💰 Budgeting Just Got Magical! Inspired by the dreamy hues of pastel Halloween, this hyperlinked digital planner transforms financial tracking into a fun, rewarding journey! Using the 50/30/20 rule, you'll master your money by allocating:
🔹 50% to Needs – Essentials like rent, bills, and groceries
🔹 30% to Wants – Treat yourself guilt-free!
🔹 20% to Savings & Debt Repayment – Build your future with confidence 💖

🎃 What’s Inside? (43 Pages, Fully Hyperlinked!)

📊 Budget Overview – Compare planned vs. actual spending effortlessly
💵 Monthly Income Tracker – Record salaries, side hustles & extra earnings
💰 Savings & Debt Tracker – Crush your financial goals faster!
📝 Daily Spending Log (31 Days) – Track expenses by category
💡 Monthly Reflection & Notes – Set goals & reflect on progress
🎨 Fun Sticker Page – Personalize your planner with adorable stickers!

🎁 FREE Bonuses! (A $20 Value – Yours for FREE!)

✨ Pastel Badge Collection Journal – 24 pages, undated for 12 months!
✨ Editable Canva Badge Template – Customize badges your way!
✨ Pre-made PNG Badge Stickers – Ready to use!
✨ Extra Fun Stickers – Decorate and make budgeting exciting!

🏆 Turn Budgeting into a Game – Collect Badges!

Stay motivated with the Achievement Badge Collection System! Earn badges for:
✅ Budget Boss – Completed a full month of budgeting
✅ No-Spend Champ – Avoided unnecessary purchases
✅ Savings Superstar – Hit your savings goal!
✅ Debt Destroyer – Made extra debt payments

✨ Make it Your Own! Use the Canva template to design unique badges!

📊 Not into Gamification? No Worries!

Whether you prefer classic budgeting or love the interactive badge system, this planner works for YOU!

💖 Why You’ll Love This Digital Planner!

✔️ Pastel Aesthetic & Spooky-Cute Theme – Who says budgeting can’t be adorable?
✔️ Hyperlinked for Seamless Navigation – Jump between pages with ease!
✔️ Compatible with GoodNotes, Notability, Xodo, Noteshelf & more!
✔️ Perfect for Beginners & Goal-Setters – A fun, structured way to build better habits!

🚀 Budget smarter, collect badges, and celebrate every win! Let Secrets of the Pastel Midnight guide you toward financial success—one cute pastel page at a time! 💖