A budget journal can make paying bills and life in general a much for stress free experience. Here is why: 1. A budget book establishes an amount of money that can be spent so that it will be less likely that expenses go over that number. 2. It is a great way to keep track of monthly expenses. 3. It inspires people to find more creative ways to generate income so that their budget will increase overtime. 4. It is a great way to save for things like trips new cars or retirement. 5. There is much less scrambling to pay bills at the end of the month because everything is properly organized.