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Need to save up for the holidays? Go easy on your budget and create your own planner for next year. A lot of fancy planners don't come cheap so we've got you covered on how to keep your savings intact and by making your own 2020 planner.

1. Recycle old planners

If you're wondering what to do with the old planners that you haven't filled up, why not recycle them by covering the dates? Use cute washi tapes to spruce up your old planners or journals to match your theme for the coming year.

2. Download your own planner

A DIY planner can reflect your individual style. You can create your own planner by downloading from websites like IHeart Organizing Daily Planner Printables [http://www.iheartorganizing.com/p/free-printables.html ] that offer free daily schedule pages, blank task pages, and other organizing tools.

3. Get these quirky planners for less than ₱100

If you're not into DIY projects, you can still get different kinds of planners for an affordable price. Local arts and crafts store Papemelroti offers these eco-friendly planners that are available for less than a hundred pesos. These tiny planners come in handy and are sold for only ₱20. Papemelroti offers different themes for their pocket planners, such as adventure, art, pets, religion, and vintage stamps.

We're deep in the planner season, and with so many options for free or affordable planners, you'll definitely start your 2020 with a great financial outlook and the perfect tools for designing your year ahead.

These budget-friendly planners will have you saying 'hello' to 2020