Money Diary Budget Planner: Smart Excel & Google Sheets Spreadsheet + Colour-In Printables

For years I checked my bank balance with one eye closed. What finally worked wasn't a complicated system: it was one place to write things down, a number telling me what was left, and something to colour in when I did well. That's the Money Diary.

Part 1: the smart spreadsheet (Excel + Google Sheets)

• Ten-minute setup: pick your currency, enter your take-home pay, budget each category. A 50/30/20 guide and a "left to assign" check help you give every bit of money a job.
• 12 month tabs: log a spend in seconds with a category drop-down. The top shows income, spent and left to spend, with a plain-English message on how you're doing.
• Category progress bars with On track / Watch it / Over flags, so you see trouble before it happens
• Dashboard: income vs spending chart, savings each month, where the money went, total saved and your best month
• Savings goals: up to 8 goals, with exactly how much to save each month to hit them on time
• Debt payoff: debt-free dates, the interest you'll pay, and which debt to tackle first (avalanche or snowball)
• Bills tracker with a "paid" tick for every month, plus a monthly money check-in

Part 2: the printable Money Diary (13 pages, A4 + US Letter)

• Money snapshot and net worth, monthly budget page, spending tracker and bills checklist
• Colour-in trackers: a 100-coin savings jar, sinking-fund thermometers, debt payoff boxes and a 31-day no-spend challenge
• Year in money, monthly money check-in and a "money wins" jar

Format: instant download (ZIP) with the .xlsx workbook and both PDF sizes. Open the workbook in Excel, or in Google Sheets via File → Import. Works with any currency.

Licence: personal use. Not for resale or redistribution.

This is a digital product. Nothing will be shipped. Your download link arrives by email straight after checkout.