Hi Erikah, your planner is very nice and useful. I hope it will be a good tool in your day to day life. I confess that I don't have one, although somehow at home we plan our expenses and we are very careful with purchases. It also helps a lot that here there is no possibility of buying on credit, no installment payments, or anything like that. Everything is paid in cash and that somehow helps us to buy what we need and what we can afford. I don't deny that debt used intelligently is a good financial mechanism, but here that's not possible (it's weird stuff 🥴).

I imagine the "habit tracker" part to be something like a planner of good habits (healthy eating, finances, sports, etc) where you go marking their daily accomplishment...good way to "force" us to keep good habits. Greetings 😊