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