{"title":"Budget Planners","description":"\u003cp\u003eBudgets that do the maths for you. Annual, paycheck, weekly and 50\/30\/20 budgets, couples and family budgets, expenses, bills, subscriptions, meals and net worth — all in Google Sheets and Excel, with the demo data already filled in so you can see how it works before you type a single number.\u003c\/p\u003e","products":[{"product_id":"annual-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"Annual Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eANNUAL BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eAn annual budget planner for anyone who wants to plan a full year, not just one month. It plans the months with yearly bills ahead of time, instead of letting them show up as a surprise.\u003cbr\u003eWorks with zero-based budgeting or carried-over leftovers, your choice on Start here.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Year plan: the next twelve months by category, with yearly bills marked in the month they are due.\u003cbr\u003e✓ Annual bills: bills that don't come every month, like insurance or the holidays, each kept in its own month.\u003cbr\u003e✓ Sinking funds: one monthly transfer that covers all your yearly bills, and whether each fund will be full in time.\u003cbr\u003e✓ Heavy months: the months that cost much more than the rest, named ahead of time, with a monthly amount to even them out.\u003cbr\u003e✓ Year end: a forecast for your year from what you spent so far and the pace of the last three months.\u003cbr\u003e✓ What changed: your last six months compared with the six before, by category.\u003cbr\u003e✓ Payoff plan: your debts in payoff order, snowball or avalanche, with a debt-free date.\u003cbr\u003e✓ Bill calendar: this month's bills by due date, so you can see what is paid and what is still due.\u003cbr\u003e✓ Catch-up: four steps to bring the plan up to date if you missed a few months.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 31 TABS AND 81 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Income, Spending, Bills, Annual bills, Accounts\u003cbr\u003e✓ Planning the year: Year plan, Zero-based, Month, Sinking funds\u003cbr\u003e✓ Year overview: Heavy months, Year end, What changed, Seasons\u003cbr\u003e✓ Bills and debt: Bill calendar, Debt, Payoff plan, Credit cards\u003cbr\u003e✓ Putting money away: Goals, Big buys, Net worth\u003cbr\u003e✓ Looking back: Months, Year, Categories\u003cbr\u003e✓ Staying on track: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, your take-home pay, other income, how the month works and your emergency fund target.\u003c\/li\u003e\n\u003cli\u003eAdd your categories on Setup, your bills on Bills, your yearly bills on Annual bills, then log income and spending as you go.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what is left this month, year-end versus plan, yearly bills and the most expensive month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":48984367431833,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643087847_35a8.jpg?v=1790707874"},{"product_id":"paycheck-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"Paycheck Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eBIWEEKLY PAYCHECK BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA paycheck budget planner for people who get paid every two weeks. Budget one paycheck at a time. It shows which bills each paycheck has to cover and how much is left until the next payday. A pay period that will come up short shows up weeks ahead.\u003cbr\u003eWorks for weekly, every-two-weeks, twice-a-month and monthly pay.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Pay schedule: lays out your next thirty paydays from two settings, how often you are paid and your next payday.\u003cbr\u003e✓ Bills by paycheck: matches every bill to the paycheck that pays it, so a short pay period shows up early.\u003cbr\u003e✓ This paycheck: what is left of the current paycheck, the bills still due before the next one, and what you can spend per day.\u003cbr\u003e✓ Paycheck plan: gives every dollar of a paycheck a job before you spend it.\u003cbr\u003e✓ Third paycheck: finds the months with an extra paycheck and lets you plan what it goes to.\u003cbr\u003e✓ Pay gaps: lists the bills that are due just before payday, so you can ask to move the date.\u003cbr\u003e✓ Buffer: sizes your cushion from the tightest pay period in your own schedule.\u003cbr\u003e✓ Payoff plan: compares debt avalanche and debt snowball for one extra payment per paycheck.\u003cbr\u003e✓ Funds: splits yearly costs like insurance or car registration across the paychecks left before each one is due.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 37 TABS AND 76 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Pay schedule, Income, Bills, Spending, Subscriptions\u003cbr\u003e✓ This paycheck: This paycheck, Paycheck plan, Between paydays, Where it goes\u003cbr\u003e✓ The rhythm: Bills by paycheck, Third paycheck, Pay gaps, Paycheck year, Uneven pay\u003cbr\u003e✓ Bills and debt: Bill calendar, Debt, Payoff plan, What debt costs, Accounts\u003cbr\u003e✓ Saving: Buffer, Funds, Goals, Big buys\u003cbr\u003e✓ The year behind: Months, Year, Categories, Leaks\u003cbr\u003e✓ Keeping it going: Squeeze, Payday routine, Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: how often you are paid, your next payday and your take-home pay.\u003c\/li\u003e\n\u003cli\u003eAdd your bills with the day of the month each one is due, then add your purchases on Spending as you go.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what is left on this paycheck, per day, and which paychecks run short.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":48985497239705,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643111597_qyju.jpg?v=1790707877"},{"product_id":"expense-tracker-spreadsheet-for-google-sheets-and-excel","title":"Expense Tracker Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eDARK MODE EXPENSE TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eAn expense tracker for anyone who wants to see exactly where their money goes, one purchase at a time. It tracks who the money went to, not just what category it was in, so a habit shows up long before a full year does.\u003cbr\u003eWorks whether you track alone or split spending with someone else.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Expenses: log each purchase by date, amount and merchant. The category fills in by itself from the merchant.\u003cbr\u003e✓ Merchants: name each place once, with its category, and the log fills that column in for you from then on.\u003cbr\u003e✓ Money back: holds work expenses, shared costs and refunds apart so they don't look like your own spending.\u003cbr\u003e✓ Price watch: tracks the same item at the same place over time and flags the ones that got more expensive.\u003cbr\u003e✓ Reconcile: checks the log against your bank statement once a month, account by account.\u003cbr\u003e✓ Subscriptions: lists what renews automatically and prices each one by what it costs per use.\u003cbr\u003e✓ Big buys: pulls out single purchases above your own threshold so they don't blend into an average month.\u003cbr\u003e✓ Who spent it: splits spending between two people and shows who paid what and who owes whom.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 39 TABS AND 81 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Expenses, Merchants, Income, Bills, Subscriptions\u003cbr\u003e✓ Money that is not yours: Money back, Price watch, Reconcile\u003cbr\u003e✓ Reading the log: Daily spend, Spending pace, Needs and wants, Who spent it, Big buys, No-spend, Leaks\u003cbr\u003e✓ Periods: Week, Month, Year, Categories, Trends, Cash flow\u003cbr\u003e✓ What you have and owe: Accounts, Debts, Payoff plan, Funds, Goals, Net worth, Bill calendar\u003cbr\u003e✓ Keeping it going: Squeeze, Money wins, Daily routine, Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, your monthly income and the thresholds for big buys and subscriptions.\u003c\/li\u003e\n\u003cli\u003eAdd each purchase on Expenses with the date, amount and merchant, and name each place once on Merchants.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what you've spent this month, per day, and what the month is on track to end at.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":48986820313241,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8595274852_5ofd.jpg?v=1790707878"},{"product_id":"dark-mode-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"Dark Mode Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eLEAN MONTH BUDGET PLANNER FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA budget planner in a dark theme for people whose income changes from month to month, like freelance, shifts or tips. It builds your budget on the lowest month you can count on, not the average.\u003cbr\u003eSets aside tax from every payment the day it arrives, and has a plan ready for the lean month before it starts.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Floor: what a month costs before anything optional, in dollars and in hours of your work.\u003cbr\u003e✓ Baseline: twelve months of income against the lowest month you can truly count on.\u003cbr\u003e✓ Buffer: the bucket that fills in a good month and pays out when a month does not reach the floor.\u003cbr\u003e✓ Taxes: the tax share of every client payment goes to its own pot the day it arrives.\u003cbr\u003e✓ Last month: spend this month what you earned last month, so a slow month never catches you mid-month.\u003cbr\u003e✓ Lean month: the plan for the month that pays badly, made in a calm one.\u003cbr\u003e✓ Savings first: savings go out on payday, before anything else, and what is left is the budget.\u003cbr\u003e✓ Debt: every debt with its balance, rate and minimum payment, and which one to pay first.\u003cbr\u003e✓ Wishlist: things you want, priced in hours of your own work.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 30 TABS AND 73 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Income, Spending\u003cbr\u003e✓ Month by month: This month, Floor, Baseline, Buffer, Last month, Savings first\u003cbr\u003e✓ What you have and owe: Bills, Subscriptions, Accounts, Taxes, Debt, Goals, Net worth\u003cbr\u003e✓ Patterns over time: Months, Categories, Lean month, Year\u003cbr\u003e✓ Wants and shared costs: Wishlist, Shared, Settle up\u003cbr\u003e✓ Routine and help: Check-in, Catch-up, Notes, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, an hour of your work, your baseline, buffer size, savings-first amount and your tax share.\u003c\/li\u003e\n\u003cli\u003eAdd each payment on Income with the hours it took, and log each purchase on Spending.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what you earned, what you spent, the buffer and your lowest month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49011627393177,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8642593465_lz4r.jpg?v=1790707888"},{"product_id":"couples-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"Couples Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eCOUPLES BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA couples budget spreadsheet for couples finances: keep what's shared separate from what's personal. You choose how to split shared costs, and every purchase says whose it was and who paid.\u003cbr\u003eWorks whichever way you split costs: 50\/50, by income, or a custom percentage.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Spending: log every purchase with whose it was and who paid; each line shows who owes whom.\u003cbr\u003e✓ Fixed: list every repeating bill with whose it is and which account pays it.\u003cbr\u003e✓ Split rule: compares 50\/50, by income and a custom split, side by side, on your own numbers.\u003cbr\u003e✓ Fair share: shows each person's part of shared costs this month and on average.\u003cbr\u003e✓ Settle up: turns the month into one number, one direction, one transfer.\u003cbr\u003e✓ Personal money: sets aside the same allowance for each of you that neither has to explain.\u003cbr\u003e✓ Talk first: flags purchases above a limit you agree on, so you talk before you buy.\u003cbr\u003e✓ Money date: gives you a ready-made agenda for a short monthly money talk.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 30 TABS AND 75 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Get started: Home, Start here, Setup, Income, Spending, Fixed, Accounts\u003cbr\u003e✓ Splitting costs: Split rule, Fair share, Who paid, Settle up, Personal money, Bill owners, Talk first, Money date\u003cbr\u003e✓ Shared money: Shared costs, Emergency fund, Goals, Subscriptions, Debt, Net worth\u003cbr\u003e✓ Reports: Months, Year, Categories, Tight month\u003cbr\u003e✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: both names, how you split shared costs, your personal money each month and your talk-first limit.\u003c\/li\u003e\n\u003cli\u003eAdd bills on Fixed and log every purchase on Spending, with whose it was and who paid.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what you owe each other right now and what's shared this month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49014315614361,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8595164266_7bib.jpg?v=1790707890"},{"product_id":"50-30-20-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"50\/30\/20 Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003e50\/30\/20 BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA 50\/30\/20 budget planner for anyone who wants to see if the rule actually fits their pay. It splits every purchase into needs, wants and savings by itself.\u003cbr\u003eShows the rule your fixed costs really let you keep, and judges it over a year instead of one loud month.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ The rule: five rules in dollars on your own base, and whether your last twelve months would have fit inside each one.\u003cbr\u003e✓ Rule fit: the smallest needs share your life fits into, and the most your rent could be.\u003cbr\u003e✓ Needs or wants: three questions for any purchase on the fence, turned into a need share.\u003cbr\u003e✓ Paycheck split: the three transfers to make on every payday, to needs, wants and savings.\u003cbr\u003e✓ Rolling view: the rule judged over one, three, six and twelve months at once.\u003cbr\u003e✓ Loud month: one-off costs like a repair or a flight, shown apart from the usual month.\u003cbr\u003e✓ Debt in the twenty: the minimum payment counts as a need, anything above it counts as saving.\u003cbr\u003e✓ Drift: how far each month wandered from your rule, bucket by bucket.\u003cbr\u003e✓ Goals: what the twenty percent is going toward, and when each goal will be full.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 30 TABS AND 74 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Income, Spending, Fixed, Accounts\u003cbr\u003e✓ The three buckets: Needs, Wants, Savings\u003cbr\u003e✓ The rule: The rule, Rule fit, Needs or wants, Paycheck split, Rolling view, Loud month, Debt in the twenty, Drift\u003cbr\u003e✓ Kept and owed: Goals, Subscriptions, Debt, Net worth\u003cbr\u003e✓ The picture: Months, Year, Categories\u003cbr\u003e✓ Keeping it going: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, your take-home pay, your rule and your emergency fund target in months.\u003c\/li\u003e\n\u003cli\u003eCheck the buckets on Setup, list what comes round on Fixed, then log each purchase on Spending.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows this month, what is left in wants, twelve months and your emergency fund.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49025303117977,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8595173696_hw06.jpg?v=1790707892"},{"product_id":"weekly-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"Weekly Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eWEEKLY BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA weekly budget spreadsheet for anyone whose pay or bills don't follow the calendar month. It turns every bill into a weekly amount, so you know what to set aside before you spend anything else.\u003cbr\u003eWorks for pay that comes every week, every two weeks, or changes week to week.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Set-aside: turns every bill into one weekly amount to move to your bills account each payday.\u003cbr\u003e✓ This week: shows what's left to spend this week, what's due before next payday, and how many days to go.\u003cbr\u003e✓ Week caps: gives each spending category its own weekly limit, not a monthly one.\u003cbr\u003e✓ Bill weeks: looks thirteen weeks ahead and flags which weeks carry the most bills.\u003cbr\u003e✓ Fifth paycheck: shows which months bring an extra paycheck and where you've set it to go.\u003cbr\u003e✓ Weeks ahead: tracks how many weeks of bills your bills account already covers.\u003cbr\u003e✓ Pay yourself: works out a steady weekly amount for pay that changes week to week.\u003cbr\u003e✓ 52 weeks: lays out the whole year, one row per week, so you can see which weeks stayed on budget.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 29 TABS AND 60 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Income, Spending, Bills, Accounts\u003cbr\u003e✓ The week: This week, Week caps, Set-aside, Roll-over, Streaks\u003cbr\u003e✓ Looking ahead: Bill weeks, Fifth paycheck, Weeks ahead, Pay yourself\u003cbr\u003e✓ Putting money away: Goals, Subscriptions, Debt, Net worth\u003cbr\u003e✓ The year: 52 weeks, Months, Year, Categories\u003cbr\u003e✓ Keeping it going: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your payday, your take-home for a typical week and your savings per week. Also set where an extra fifth paycheck goes.\u003c\/li\u003e\n\u003cli\u003eAdd every bill once on Bills, then add your income and spending each week on Income and Spending.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what's left to spend this week, what's due this week, and how many weeks of bills you have covered.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49025726873753,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643318845_qukd.jpg?v=1790707894"},{"product_id":"subscription-tracker-spreadsheet-for-google-sheets-and-excel","title":"Subscription Tracker Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eSUBSCRIPTION TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA subscription tracker spreadsheet for anyone who wants to know what every subscription is actually worth. It logs each time you use a subscription, so you see the real cost per use, not just the price on the receipt.\u003cbr\u003eWorks for trials, monthly plans and yearly plans, and for a household sharing subscriptions.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Subscriptions: one line per subscription; the monthly cost, next renewal date and days until it fill in by themselves.\u003cbr\u003e✓ Charges: log what actually hit your card, and the file compares it with the listed price to catch price rises.\u003cbr\u003e✓ Uses: log each time you use a subscription; after 90 days, every one has a cost per use.\u003cbr\u003e✓ Worth it: ranks every subscription by its cost per use, most expensive first.\u003cbr\u003e✓ Trials: shows each free trial's end date, cancel-by date, and what it costs if you forget.\u003cbr\u003e✓ Price hikes: compares each subscription's first charge with its latest, and totals what the rises cost a year.\u003cbr\u003e✓ Rotation: compares keeping every streaming service on all year against switching between them month to month.\u003cbr\u003e✓ Cards: shows which card each subscription is on and which renewals could fail when a card expires.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 28 TABS AND 62 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Subscriptions, Charges, Uses\u003cbr\u003e✓ Coming up: This month, Renewals, Trials, Calendar\u003cbr\u003e✓ Decide what to keep: Worth it, Cancel list, Price hikes, Yearly vs monthly\u003cbr\u003e✓ Categories, cards, people: Overlap, Rotation, Cards, Household\u003cbr\u003e✓ The year: Months, Year, Categories, Creep\u003cbr\u003e✓ Routine and help: Audit, Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, your take-home pay, the people in your household and how many uses count as rarely used.\u003c\/li\u003e\n\u003cli\u003eList each subscription once on Subscriptions, then log charges from your statement on Charges and a use each time you open one on Uses.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what's due soon, which trials are ending, and what subscriptions cost per month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49026573566105,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643838547_b3qh.jpg?v=1790707896"},{"product_id":"family-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"Family Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eFAMILY BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA family budget spreadsheet for parents who want to see what each child actually costs. It puts a name on every bill, club and purchase, so the cost per kid adds up by itself.\u003cbr\u003eWorks for one child or several, one income or two.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Family: one line per person; marking who is a child is what every cost-per-child number in the file is built on.\u003cbr\u003e✓ Cost per kid: adds up every bill, club and purchase with a child's name on it, per month and per year.\u003cbr\u003e✓ Childcare: compares the daycare bill with the income that pays for it, and counts down to when it ends.\u003cbr\u003e✓ Activities: prices each club by what one session actually costs after the ones that got missed.\u003cbr\u003e✓ School year: lists every back-to-school cost by its due date and shows what's still unpaid.\u003cbr\u003e✓ Growing up: shows how what the kids cost changes over the next eight years as they grow.\u003cbr\u003e✓ Kid money: tracks allowance, paid jobs and what each child is saving up for.\u003cbr\u003e✓ Funds: divides costs you already know are coming, like camp or insurance, by the months left before each is due.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 34 TABS AND 72 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Family, Income, Bills, Spending, Activities\u003cbr\u003e✓ This month: This month, Budget, Groceries, Eat out\u003cbr\u003e✓ Kids: Cost per kid, Childcare, School year, Kid money, Growing up\u003cbr\u003e✓ Irregular costs: Funds, Birthdays, Holidays, Big buys\u003cbr\u003e✓ Year in review: Months, Year, Categories, Per person\u003cbr\u003e✓ Decisions: Where it goes, Squeeze, Two incomes, Family meeting\u003cbr\u003e✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, who's in the household, your savings goal and the month your school year starts.\u003c\/li\u003e\n\u003cli\u003eAdd each person on Family, mark who is a child, then add bills and purchases with that child's name on Bills and Spending.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what you've spent this month and what the kids cost so far.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49034184196249,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8595181142_ain4.jpg?v=1790707897"},{"product_id":"bill-tracker-spreadsheet-for-google-sheets-and-excel","title":"Bill Tracker Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eBILL TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA bill tracker spreadsheet for anyone who wants every bill and due date in one place. It compares what you pay now with what you paid last year. It counts down to the last day you can still cancel before a bill renews.\u003cbr\u003eWorks for bills that repeat weekly, every two weeks, monthly, quarterly, twice a year or once a year.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Next 30 days: every bill due in the next month, nearest first, with the days left and whether it needs you to act.\u003cbr\u003e✓ Payday plan: lines up six pay periods ahead against your bills, so you can see which pay period is tightest before it happens.\u003cbr\u003e✓ Autopay: splits your bills into the ones that pay themselves and the ones that need you, and flags which ride on a card.\u003cbr\u003e✓ Went up: compares what you pay now with what you paid a year ago, bill by bill, so a quiet rate rise doesn't stay quiet.\u003cbr\u003e✓ Annual bills and Set aside: tracks bills that are not monthly and divides each one by the months left until it's due.\u003cbr\u003e✓ Renewals: counts down to the last day you can still cancel a bill, not the renewal date itself.\u003cbr\u003e✓ Late fees: logs every late payment for the year, with the bill it came from and what would have prevented it.\u003cbr\u003e✓ Split and Settle up: splits shared bills the way you agreed, then shows the one transfer that settles the month between two people.\u003cbr\u003e✓ Worth it: lists every bill at its yearly price, biggest first, with what it has cost in late fees.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 33 TABS AND 73 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Bills, Payments, Income, People\u003cbr\u003e✓ Dates: This month, Next 30 days, Calendar, Payday plan\u003cbr\u003e✓ How it gets paid: Autopay, Late fees, Short month\u003cbr\u003e✓ Prices and usage: Went up, Bill history, Utilities\u003cbr\u003e✓ The uneven year: Annual bills, Set aside, Renewals\u003cbr\u003e✓ The year: Months, Year, Categories, Accounts, Worth it\u003cbr\u003e✓ Splitting the bills: Split, Settle up\u003cbr\u003e✓ Routine and help: Cut the bill, Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, household size, and the settings for due soon, big bills, rate rises and renewals.\u003c\/li\u003e\n\u003cli\u003eAdd every bill once on Bills, with how it's paid, whose it is and how many days' notice it needs. Log each payment on Payments as it goes out.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what's due, what went up, and what's left after the bills.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49038859501721,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643846365_f0vh.jpg?v=1790707899"},{"product_id":"financial-planner-spreadsheet-for-google-sheets-and-excel","title":"Financial Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eFINANCIAL PLANNER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA financial planner spreadsheet for anyone who wants to track net worth, not just monthly spending. You type in one balance per account and debt each month, and the file works out the rest.\u003cbr\u003eCovers net worth, retirement contributions, insurance and a freedom number built from the costs that outlast your job.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Net worth: everything you own minus everything you owe, updated from one snapshot a month.\u003cbr\u003e✓ Growth: splits the change in net worth into what you put in, what the market did and what a revaluation changed.\u003cbr\u003e✓ Contributions: how much tax-free room is left this year in the accounts the tax code only lets you fill once.\u003cbr\u003e✓ Freedom: the savings number built from the costs that are still there after the wage stops.\u003cbr\u003e✓ Composition: the same net worth split into what you could reach this week and what is locked up until later.\u003cbr\u003e✓ Next dollar: eleven steps in order, read from your own numbers, so you know where the next dollar should go.\u003cbr\u003e✓ Allocation and Fees: how far your portfolio has drifted from target, and what your fund fees cost each year.\u003cbr\u003e✓ Benchmarks and Coverage: how your net worth and insurance compare with rules of thumb you set yourself.\u003cbr\u003e✓ Payoff or invest: compares a debt's interest rate with your expected return, one debt at a time.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 37 TABS AND 74 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup\u003cbr\u003e✓ Describe it once: Accounts, Assets, Debts\u003cbr\u003e✓ The page you type into: Snapshots, Income, Yearly costs\u003cbr\u003e✓ The number itself: Net worth, Trend, Growth, Composition\u003cbr\u003e✓ How you compare: Milestones, Benchmarks\u003cbr\u003e✓ Money at work: Contributions, Holdings, Allocation, Fees, Taxes\u003cbr\u003e✓ The long game: Freedom, Projection, What if, Life events, Year\u003cbr\u003e✓ Protecting it: Insurance, Coverage, Documents\u003cbr\u003e✓ Deciding: Next dollar, Payoff or invest, Decisions, Review\u003cbr\u003e✓ Keeping it going: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, your age and how many people live on this money. Set the rates for investing, safety net, debt and insurance.\u003c\/li\u003e\n\u003cli\u003eDescribe your accounts, assets and debts once on Accounts, Assets and Debts. Then add one row to Snapshots every month with the date and each balance.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what you are worth, your last twelve months, your savings rate and your safety net.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49061791563929,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643032847_lolb.jpg?v=1790707905"},{"product_id":"meal-planner-spreadsheet-for-google-sheets-and-excel","title":"Meal Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eMEAL PLANNER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA meal planner spreadsheet with a grocery list and the real cost of every dish. It prices each dish from what you actually pay for groceries, then builds the shopping list from the menu minus your pantry.\u003cbr\u003eWorks in any currency; the file only ever divides pack prices into cost per serving.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Plan: pick a dish for each meal and see the cost of the day as you go.\u003cbr\u003e✓ Shopping list: the week's menu minus your pantry — what to buy and what it comes to.\u003cbr\u003e✓ Pantry: what's already in the cupboard, fridge and freezer, priced, and taken off the list first.\u003cbr\u003e✓ Cost per serving: every dish you cook, cheapest plate first, against the same plate bought ready.\u003cbr\u003e✓ Grocery log: one line per receipt, so the gap between the plan and the receipts shows up early.\u003cbr\u003e✓ Grocery budget: what's left to spend this month, and where it ends up if nothing changes.\u003cbr\u003e✓ Prep plan: everything in the week that keeps, gathered into one cooking session.\u003cbr\u003e✓ What to cook: the cheapest, the quickest, and what's about to go bad — answered without typing anything.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 35 TABS AND 84 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup\u003cbr\u003e✓ Describe it once: Ingredients, Recipes, Recipe items, Pantry\u003cbr\u003e✓ Fill in weekly: Plan, Shopping list, Grocery log, Eating out, Price book\u003cbr\u003e✓ What it costs: Cost per serving, Week cost, Grocery budget\u003cbr\u003e✓ Where it goes: Spend by category, Spend by store, Price trend\u003cbr\u003e✓ The food itself: Prep plan, Menu month, Rotation, Ratings\u003cbr\u003e✓ What is left: Leftovers, Freezer\u003cbr\u003e✓ The big picture: Seasonal, Year, Home vs out, Savings\u003cbr\u003e✓ Deciding: What to cook, Guests, Review\u003cbr\u003e✓ Keeping it going: Check-in, Notes, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: your name, people at the table, your grocery budget and your shopping day.\u003c\/li\u003e\n\u003cli\u003eAdd what you buy on Ingredients, what a dish is made of on Recipe items, then pick meals on Plan each week.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows the week ahead, the average plate and what's spent so far.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49072221356185,"sku":null,"price":13.45,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643048009_rd1v.jpg?v=1790707906"},{"product_id":"beginner-budget-bundle-50-30-20-budget-expense-tracker-bill-tracker-and-savings-tracker-spreadsheets","title":"Beginner Budget Bundle: 50\/30\/20 Budget, Expense Tracker, Bill Tracker and Savings Tracker Spreadsheets","description":"\u003cp\u003e\u003cstrong\u003eBEGINNER BUDGET BUNDLE: 4 SPREADSHEETS FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA beginner budget bundle for starting with one simple rule instead of forty categories. You get four planners, each with a filled example, a blank copy and a video guide.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📦 WHAT'S IN THE BUNDLE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ 50\/30\/20 Budget Planner — splits every paycheck into needs, wants and savings by the 50\/30\/20 rule. 30 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/50-30-20-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/50-30-20-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Expense Tracker — every expense in a daily log, by merchant, with needs against wants and no-spend days. 39 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Bill Tracker — every bill with its due date, a 30-day view, a calendar, autopay and annual bills. 33 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Savings Tracker — savings goals and the emergency fund, with your savings rate, a forecast and interest. 38 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/savings-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/savings-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF. It has two links for every planner: a filled example and a blank copy.\u003c\/li\u003e\n\u003cli\u003ePick the planner you need first. You don't have to set up all of them.\u003c\/li\u003e\n\u003cli\u003eClick the link to make your own copy in Google Sheets, or open its Excel file from the download.\u003c\/li\u003e\n\u003cli\u003eEvery planner starts on its own Start here tab, and each has its own short video guide.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ One PDF with the links to all 4 planners\u003cbr\u003e✓ Excel files for every planner, a filled one and a blank one (8 files in the download)\u003cbr\u003e✓ A video guide for each planner (the links are in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Each planner is its own file. They don't share data with each other.\u003cbr\u003e✓ Works with a free Google account. No add-ons, no subscription.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThese planners are a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67593539354777,"sku":null,"price":17.45,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8599872710_79t4.jpg?v=1790739063"},{"product_id":"complete-budget-bundle-14-budget-spreadsheets-for-budgets-bills-debt-payoff-savings-and-net-worth","title":"Complete Budget Bundle: 14 Budget Spreadsheets for Budgets, Bills, Debt Payoff, Savings and Net Worth","description":"\u003cp\u003e\u003cstrong\u003eCOMPLETE BUDGET BUNDLE: 14 SPREADSHEETS FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eFourteen budget spreadsheets: seven ways to budget and seven trackers that go with any of them. Built for anyone who wants one system instead of a different app for every job.\u003cbr\u003eEach planner comes with a filled example, a blank copy and its own video guide, so you can start with the one planner you need first.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📦 WHAT'S IN THE BUNDLE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Annual Budget Planner — the whole year on one plan: zero-based months, annual bills, sinking funds and a year-end review. 31 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/annual-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/annual-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Paycheck Budget Planner — every bill matched to the paycheck that pays it, with the gap between paydays and a buffer. 37 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/paycheck-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/paycheck-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Weekly Budget Planner — a budget you live week to week: a cap for each week and what rolls over. 29 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/weekly-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/weekly-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ 50\/30\/20 Budget Planner — needs, wants and savings by the 50\/30\/20 rule, with your own paycheck split. 30 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/50-30-20-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/50-30-20-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Irregular Income Budget Planner — for pay that changes month to month: a floor, a buffer and tax set aside. The file is named Dark Mode Budget Planner. 30 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/dark-mode-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/dark-mode-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Couples Budget Planner — money for two: your split rule, fair share, who paid and settle-up. 30 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/couples-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/couples-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Family Budget Planner — family money: cost per kid, childcare, the school year and activities. 34 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/family-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/family-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Expense Tracker — every expense in a daily log: spending pace, needs against wants and the big leaks. 39 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Bill Tracker — every bill with its due date, a calendar, a payday plan and autopay. 33 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Subscription Tracker — every subscription, renewals, free trials and a worth-it check. 28 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/subscription-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/subscription-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Debt Payoff Planner — debt snowball and avalanche side by side, your payoff plan and promo rates. 35 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Sinking Funds Tracker — money set aside for costs you know are coming, split per paycheck. 34 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Savings Tracker — savings goals and the emergency fund, with a forecast and months of runway. 38 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/savings-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/savings-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Financial Planner — the big picture: accounts, net worth over time, allocation and a retirement projection. 37 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/financial-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/financial-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e🧭 WHICH ONE TO START WITH\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Annual Budget Planner — if you want the whole year in view at once.\u003cbr\u003e✓ Paycheck Budget Planner — if you are paid every two weeks and want each bill tied to a paycheck.\u003cbr\u003e✓ Weekly Budget Planner — if you live week to week and want a cap for each week, not the month.\u003cbr\u003e✓ 50\/30\/20 Budget Planner — if you want one simple rule and nothing more.\u003cbr\u003e✓ Irregular Income Budget Planner — if your pay changes month to month.\u003cbr\u003e✓ Couples Budget Planner — if you share money with a partner.\u003cbr\u003e✓ Family Budget Planner — if you have kids and want cost per kid and the school year.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF. It has two links for every planner: a filled example and a blank copy.\u003c\/li\u003e\n\u003cli\u003ePick the planner you need first. You don't have to set up all of them.\u003c\/li\u003e\n\u003cli\u003eClick the link to make your own copy in Google Sheets, or open its Excel file from the download.\u003c\/li\u003e\n\u003cli\u003eEvery planner starts on its own Start here tab, and each has its own short video guide.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ One PDF with the links to all 14 planners\u003cbr\u003e✓ Excel files for every planner, a filled one and a blank one (28 files in the download)\u003cbr\u003e✓ A video guide for each planner (the links are in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Each planner is its own file. They don't share data with each other.\u003cbr\u003e✓ Twelve planners use a dark theme. The Weekly and Couples planners use a light theme, the same as in their own listings.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ Works with a free Google account. No add-ons, no subscription.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThese planners are a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67593707749529,"sku":null,"price":29.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8599977480_7oqy.jpg?v=1790740852"},{"product_id":"adhd-budget-planner-spreadsheet-for-google-sheets-and-excel","title":"ADHD Budget Planner Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eADHD BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eAn ADHD budget planner for anyone who finds category budgets hard to keep up with. It gives you one number instead of forty categories.\u003cbr\u003eSafe to spend already has bills, renewals, jars and fun money taken out of it, so if the number says yes, it is yes.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Safe to spend: what you can spend today and every day until the next payday.\u003cbr\u003e✓ Money log: one line per spend, while you still remember it. The category can wait for check-in day.\u003cbr\u003e✓ Due soon: bills, trials and money admin with a date, soonest first.\u003cbr\u003e✓ Impulse pause: write down what you want instead of buying it, and see what it costs in hours of work.\u003cbr\u003e✓ Trials \u0026amp; renewals: every free trial and yearly plan, so nothing renews by surprise.\u003cbr\u003e✓ Payday plan: seven paychecks ahead, so a short pay period shows up before it arrives.\u003cbr\u003e✓ ADHD tax: the money that leaks, like late fees and trials that renewed, written down with what came back by asking.\u003cbr\u003e✓ Savings jars: what each jar already holds, its goal and what it takes from each paycheck to get there on time.\u003cbr\u003e✓ Catch-up: type today's balance and the file counts from it, no rebuilding the weeks you missed.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 27 TABS AND 67 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup\u003cbr\u003e✓ Every day: Safe to spend, Money log, Due soon\u003cbr\u003e✓ Once a week: Check-in, Impulse pause, Trials \u0026amp; renewals, This week, Money admin\u003cbr\u003e✓ When you want: Paychecks, Bills, Payday plan, Jar log, Savings jars, Budget, ADHD tax, Triggers, No-spend days, Money wins, Month, Year\u003cbr\u003e✓ Keeping it going: Catch-up, Notes, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, fill in the shaded cells: how you are paid, a payday you know and your take-home pay. Set what goes to jars and your fun money per week.\u003c\/li\u003e\n\u003cli\u003eWrite your bills once on Bills, then log each spend on Money log as it happens.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what's safe to spend today, days to payday, what's due before payday and what the pause let go.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67595601084569,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8602328408_r5j9.jpg?v=1790780963"},{"product_id":"simple-budget-template","title":"Budget Template for Google Sheets and Excel, Easy Monthly Budget Spreadsheet, Finance Tracker and Budget Planner for Beginners","description":"\u003cp\u003e\u003cstrong\u003eSIMPLE BUDGET SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA simple monthly budget spreadsheet for beginners and anyone who wants a budget that takes minutes, not hours. Set your budget once, then add a transaction each time money comes in or goes out. Every new month starts on its own, so there is nothing to copy, clear or retype.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Budget: set a monthly budget once. It repeats every month, so you never retype it.\u003cbr\u003e✓ Common categories are already filled in. Each one is marked Income, Bill, Spending, Savings or Debt.\u003cbr\u003e✓ Budget: log each paycheck and purchase on one line with the date, amount, category and an optional note.\u003cbr\u003e✓ Budget: four cards show Income, Expenses, Savings and Balance for the month.\u003cbr\u003e✓ Your balance carries over from month to month, starting from the starting balance you type once.\u003cbr\u003e✓ Budget: Budget, Actual and Remaining for every category, so you can see what is still free to spend.\u003cbr\u003e✓ Budget: a chart of spending by category, and a Budget vs Actual chart.\u003cbr\u003e✓ Year: the last twelve months side by side, with a chart of money in and money out.\u003cbr\u003e✓ Want to see an old month again? Type a date in Pick month on Budget.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 3 TABS AND 3 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: your starting balance and four short steps\u003cbr\u003e✓ Budget: your monthly budget, transactions, four cards and two charts\u003cbr\u003e✓ Year: twelve months side by side, with totals and one chart\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, type your starting balance (checking and cash). Your name is optional.\u003c\/li\u003e\n\u003cli\u003eOn Budget, type a budget next to each category. Then add a transaction every time you get paid or spend.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. The cards, the charts and Year update with every line you add.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ You type your own numbers. Nothing is imported from your bank.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003e➕ WANT MORE?\u003cbr\u003e✓ Annual Budget Spreadsheet: the full version, with 31 tabs for planning the whole year.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/annual-budget-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/annual-budget-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Beginner Budget Bundle: four planners for a first budget, including an expense tracker and a bill tracker.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/beginner-budget-bundle-50-30-20-budget-expense-tracker-bill-tracker-and-savings-tracker-spreadsheets\"\u003ehttps:\/\/growlylabstudio.com\/products\/beginner-budget-bundle-50-30-20-budget-expense-tracker-bill-tracker-and-savings-tracker-spreadsheets\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67628664783001,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8686566467_bo5z.jpg?v=1791387451"},{"product_id":"spending-tracker-expense-log","title":"Spending Tracker for Google Sheets and Excel, Expense Spreadsheet and Daily Spending Log with Categories and Monthly Charts","description":"\u003cp\u003e\u003cstrong\u003eEXPENSE TRACKER FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA simple expense tracker for anyone who wants to know where their money goes. Add one line per purchase: date, amount and category. It shows what you spent this month, how that compares with the same days last month, and your biggest category.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Expenses: log each purchase on one line with the date, amount, category, how you paid and an optional note.\u003cbr\u003e✓ Fifteen common categories are already filled in. Rename them or add your own, up to twenty.\u003cbr\u003e✓ Give any category an optional monthly budget and see what remains.\u003cbr\u003e✓ Expenses: four cards show Spent this month, Vs last month (the same days), Daily average and Top category.\u003cbr\u003e✓ Set an optional monthly budget, and the first card shows what remains.\u003cbr\u003e✓ Expenses: a chart of this month by category, and a chart of every day this month.\u003cbr\u003e✓ Want to see an old month again? Type a date in Pick month on Expenses.\u003cbr\u003e✓ Year: every category, month by month, for twelve months, with totals and a chart.\u003cbr\u003e✓ A new month starts on its own. Nothing to copy or reset.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 3 TABS AND 3 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: an optional monthly budget and four short steps\u003cbr\u003e✓ Expenses: your categories, the purchase log, four cards and two charts\u003cbr\u003e✓ Year: twelve months by category, with totals and one chart\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, type a monthly budget if you want one. It is optional, and so is your name.\u003c\/li\u003e\n\u003cli\u003eOn Expenses, check the category list. Then add one line to the log every time you spend.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. The cards and charts show this month, and Year shows every month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ You type your own purchases. Nothing is imported from your bank or receipts.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003e➕ WANT MORE?\u003cbr\u003e✓ Dark Mode Expense Tracker: the full version, with spending by merchant, needs against wants and no-spend days. 39 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/expense-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Beginner Budget Bundle: four planners for a first budget, including an expense tracker and a bill tracker.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/beginner-budget-bundle-50-30-20-budget-expense-tracker-bill-tracker-and-savings-tracker-spreadsheets\"\u003ehttps:\/\/growlylabstudio.com\/products\/beginner-budget-bundle-50-30-20-budget-expense-tracker-bill-tracker-and-savings-tracker-spreadsheets\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67628664946841,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8686609735_6cnh.jpg?v=1791387458"},{"product_id":"monthly-bill-tracker-calendar","title":"Monthly Bill Tracker for Google Sheets and Excel, Bills Spreadsheet with Due Date Calendar and Paid Checklist, Bill Organizer","description":"\u003cp\u003e\u003cstrong\u003eBILL TRACKER FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA simple bill tracker that keeps every bill and its due date in one place. Type each bill once with its amount, due date and frequency. It shows what is due this month, what is paid, what is left and the next bill, and overdue bills turn red.\u003cbr\u003eTracks up to 40 bills.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Bills: type each bill once with the amount, due date, frequency, autopay and a category.\u003cbr\u003e✓ Frequency can be monthly, every 3 months, every 6 months or yearly. Each bill shows up only in the months it is due.\u003cbr\u003e✓ Bills: the next due date, days until due and a status for every bill: Paid, Due soon, Later this month, Not due this month or Overdue.\u003cbr\u003e✓ Bills: four cards show Total due, Paid, Remaining and Next due.\u003cbr\u003e✓ Calendar: a monthly calendar with every bill and its amount on the day it is due. Pick any month.\u003cbr\u003e✓ Paid: one checkbox per bill per month, for 24 months. Months when a bill is not due stay empty.\u003cbr\u003e✓ Paid: what was due and what you paid each month, with a chart.\u003cbr\u003e✓ A new month starts on its own. Nothing to copy or reset.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 4 TABS AND 1 CHART\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: the start month and four short steps\u003cbr\u003e✓ Bills: your bills, four cards, due dates and status\u003cbr\u003e✓ Calendar: every bill on the day it is due\u003cbr\u003e✓ Paid: a checkbox grid for 24 months, monthly totals and one chart\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, pick the first month you want to track. Leave it empty to start in January.\u003c\/li\u003e\n\u003cli\u003eOn Bills, type each bill once. When you pay a bill, check its box on Paid.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Bills shows what is due and what is left, and Calendar shows the month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac. In Excel, the checkboxes show as TRUE or FALSE\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ It does not pay bills or send reminders. It shows what is due, and you check off what you paid.\u003cbr\u003e✓ Add new bills at the bottom of the list, so the checks on Paid stay with the right bill.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick checks on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003e➕ WANT MORE?\u003cbr\u003e✓ Bill Tracker Spreadsheet: the full version, with a 30-day view, a payday plan and annual bills. 33 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/bill-tracker-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Beginner Budget Bundle: four planners for a first budget, including a bill tracker and an expense tracker.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/beginner-budget-bundle-50-30-20-budget-expense-tracker-bill-tracker-and-savings-tracker-spreadsheets\"\u003ehttps:\/\/growlylabstudio.com\/products\/beginner-budget-bundle-50-30-20-budget-expense-tracker-bill-tracker-and-savings-tracker-spreadsheets\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67628665045145,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8638810710_a62k.jpg?v=1791387455"},{"product_id":"grocery-budget-list-with-prices","title":"Grocery Budget and Grocery List with Prices for Google Sheets and Excel, Shopping List by Aisle, Weekly Grocery Planner","description":"\u003cp\u003e\u003cstrong\u003eGROCERY LIST WITH PRICES FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA grocery list spreadsheet that sorts your shopping list by aisle and adds up the cost before you go. 64 common groceries are already listed with their aisles. Check what you need, and the list shows an estimated total and what is left of your weekly budget.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Items: 64 common groceries are already listed and sorted into 12 aisles. There is room for 136 more of your own.\u003cbr\u003e✓ Items: type the price you usually pay once. Then check Need for what you are out of and change Qty.\u003cbr\u003e✓ Shopping list: everything you checked, in aisle order, with the quantity, price and total for each item.\u003cbr\u003e✓ Shopping list: an estimated total before tax and coupons, and how much of your weekly budget is left.\u003cbr\u003e✓ List is made for your phone. Open it in the Google Sheets app at the store and scroll.\u003cbr\u003e✓ On Items, pick the store where you usually buy an item (or type your own) and add a note like a brand or a size.\u003cbr\u003e✓ Trips: type the receipt total after each trip. See this month, last month and your average trip.\u003cbr\u003e✓ Trips: a chart of what groceries cost you each month, for the last twelve months.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 4 TABS AND 1 CHART\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: an optional weekly budget and four short steps\u003cbr\u003e✓ Items: your groceries with aisles, prices and the Need box\u003cbr\u003e✓ Shopping list: sorted by aisle, with the estimated total\u003cbr\u003e✓ Trips: a log of every trip, three cards and one chart\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Start here, type a weekly grocery budget if you want one. It is optional.\u003c\/li\u003e\n\u003cli\u003eOn Items, type the prices you usually pay. Before each trip, check Need for what you are out of.\u003c\/li\u003e\n\u003cli\u003eOpen Shopping list on your phone at the store. After the trip, type the receipt total on Trips and clear the Need column.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac. In Excel, the checkboxes show as TRUE or FALSE\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own list\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription.\u003cbr\u003e✓ The prices are the ones you type. Nothing is pulled from a store or an app.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one.\u003cbr\u003e✓ Set it up on a computer. At the store, open List in the free Google Sheets app.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003e➕ WANT MORE?\u003cbr\u003e✓ Meal Planner Spreadsheet: the full version. Plan the week's meals, and the shopping list fills in from your recipes. 35 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/meal-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/meal-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Family Organizer Bundle: a family planner, a family budget, the meal planner and a bill tracker in one set.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/family-home-bundle-family-planner-family-budget-meal-planner-and-bill-tracker-spreadsheets\"\u003ehttps:\/\/growlylabstudio.com\/products\/family-home-bundle-family-planner-family-budget-meal-planner-and-bill-tracker-spreadsheets\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67628665110681,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8638831762_f1sc.jpg?v=1791387457"},{"product_id":"trading-journal-spreadsheet","title":"Trading Journal Spreadsheet, Trade Log for Stocks Options Futures and Crypto with P\u0026L Calendar, Google Sheets Excel","description":"\u003cp\u003eTRADING JOURNAL SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003cbr\u003eLog every trade once — stocks, options, futures, forex, or crypto — and P\u0026amp;L, R-multiple, win rate, and your equity curve keep themselves up to date.\u003c\/p\u003e\u003cp\u003e📊 WHAT IT DOES\u003cbr\u003e✓ Trades: one row per trade — date, ticker, side, entry, exit, size, a multiplier for your asset (1 for stocks, 100 for a standard option, your own for futures, forex, or crypto), stop, commission, setup, and a note. P\u0026amp;L, R-multiple, and win or loss fill in on their own.\u003cbr\u003e✓ Trades: a risk check against your account balance on every trade, against the limit you set on Start here.\u003cbr\u003e✓ Stats: win rate, profit factor, and expectancy, broken down by setup and by day of the week.\u003cbr\u003e✓ Stats: your equity curve from your starting balance, and a chart of average R by setup.\u003cbr\u003e✓ P\u0026amp;L Calendar: pick a month and see every trading day colored green for a win day or red for a loss day, with the dollar result on the square.\u003c\/p\u003e\u003cp\u003e📂 WHAT'S INSIDE: 4 TABS AND 2 CHARTS\u003cbr\u003e✓ Start here: your starting balance and the risk limit you want to hold yourself to\u003cbr\u003e✓ Trades: four cards, and every trade you log\u003cbr\u003e✓ Stats: win rate and P\u0026amp;L cards, two breakdown tables, and two charts\u003cbr\u003e✓ P\u0026amp;L Calendar: two cards and a 6-week grid for the month you pick\u003c\/p\u003e\u003cp\u003e📝 HOW IT WORKS\u003cbr\u003e1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003cbr\u003e2. On Start here, set your starting account balance and the risk limit you want to hold yourself to.\u003cbr\u003e3. On Trades, log every trade as you close it — entry, exit, size, and stop.\u003cbr\u003e4. Open Stats or P\u0026amp;L Calendar any time for your win rate, equity curve, and a day-by-day read of your results.\u003c\/p\u003e\u003cp\u003e📥 WHAT YOU GET\u003cbr\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel 2016 or newer and Microsoft 365, on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own trades\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\u003cp\u003e💻 GOOD TO KNOW\u003cbr\u003e✓ Works with a free Google account. No app, no ads, no subscription.\u003cbr\u003e✓ This is a trade log, not advice — it records what you already did, it doesn't tell you what to buy or sell.\u003cbr\u003e✓ R-multiple is worked out from your own stop on each trade, not from the risk limit on Start here — those are two separate numbers, on purpose.\u003cbr\u003e✓ The multiplier makes one log work for every asset: 1 share for stocks, 100 for a standard option contract, or your own size for futures, forex, or crypto.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one, and Excel keeps them locked.\u003cbr\u003e✓ Best on a computer for setup. The Google Sheets app works for a quick check on your phone.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets. Links between tabs work in Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67714100691097,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8730632355_97c2.jpg?v=1792082862"},{"product_id":"pta-treasurer-spreadsheet","title":"PTA Treasurer Spreadsheet for Church and Club, Budget vs Actual, Ledger and Monthly Report, Google Sheets Excel","description":"\u003cp\u003ePTA TREASURER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003cbr\u003eSet up your organization once, log every deposit and payment, and your monthly report writes itself — for a PTA, a church, or a club alike.\u003c\/p\u003e\u003cp\u003e📊 WHAT IT DOES\u003cbr\u003e✓ Budget: 14 typical categories already listed — membership dues, fundraising, donations, grants, programs, supplies, and more — yours to rename or add to, with this year's budget for each one.\u003cbr\u003e✓ Ledger: one row per deposit or payment — date, description, category, amount, method, and who to reimburse, plus a reconciled checkbox. Type and signed amount pull from Budget on their own, and your running balance builds itself.\u003cbr\u003e✓ Monthly Report: pick a month for beginning and ending balance, income and expenses for that month, and budget vs. actual for the year so far, by category.\u003cbr\u003e✓ Monthly Report: a chart of budget against actual by category, and a chart of income vs. expenses by month.\u003cbr\u003e✓ Works on a fiscal year that starts in any month you set — most PTAs run July to June, not January to December.\u003c\/p\u003e\u003cp\u003e📂 WHAT'S INSIDE: 4 TABS AND 3 CHARTS\u003cbr\u003e✓ Start here: your organization name, year, starting balance, and fiscal year start\u003cbr\u003e✓ Budget: every category, this year's budget, and a chart\u003cbr\u003e✓ Ledger: three cards, and every deposit and payment you log\u003cbr\u003e✓ Monthly Report: four cards, budget vs. actual, and two charts\u003c\/p\u003e\u003cp\u003e📝 HOW IT WORKS\u003cbr\u003e1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003cbr\u003e2. On Start here, set your organization name, starting balance, and fiscal year start month.\u003cbr\u003e3. On Budget, rename or add categories and set this year's budget for each one.\u003cbr\u003e4. On Ledger, log every deposit and payment — type and balance fill in on their own. Open Monthly Report any time for a ready-to-share report.\u003c\/p\u003e\u003cp\u003e📥 WHAT YOU GET\u003cbr\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel 2016 or newer and Microsoft 365, on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own organization\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\u003cp\u003e💻 GOOD TO KNOW\u003cbr\u003e✓ Works with a free Google account. No app, no ads, no subscription.\u003cbr\u003e✓ Reconciled is a plain checkbox — check it once that transaction shows up on your bank statement. In Excel, the checkboxes show as TRUE or FALSE.\u003cbr\u003e✓ A category with no budget and no activity doesn't show up on Monthly Report at all — only the categories your organization actually uses.\u003cbr\u003e✓ This works for a PTA, a church, or a club alike — the category names on Budget are a starting point, not a requirement.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one, and Excel keeps them locked.\u003cbr\u003e✓ Best on a computer for setup. The Google Sheets app works for a quick check on your phone.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets. Links between tabs work in Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\u003cp\u003eThis is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67714100789401,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8730652909_brmc.jpg?v=1792082864"}],"url":"https:\/\/growlylabstudio.com\/collections\/budget-money-spreadsheets.oembed","provider":"GrowlyLab","version":"1.0","type":"link"}