{"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","url":"https:\/\/growlylabstudio.com\/products\/50-30-20-budget-planner-spreadsheet-for-google-sheets-and-excel","provider":"GrowlyLab","version":"1.0","type":"link"}