{"product_id":"monthly-budget-planner-spreadsheet","title":"Money Diary Budget Planner: Smart Excel \u0026 Google Sheets Spreadsheet + Colour-In Printables","description":"\u003cp\u003e\u003cstrong\u003eFor years I checked my bank balance with one eye closed.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003ePart 1: the smart spreadsheet (Excel + Google Sheets)\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eTen-minute setup:\u003c\/strong\u003e 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.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e12 month tabs:\u003c\/strong\u003e log a spend in seconds with a category drop-down. The top shows income, spent and \u003cem\u003eleft to spend\u003c\/em\u003e, with a plain-English message on how you're doing.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCategory progress bars\u003c\/strong\u003e with On track \/ Watch it \/ Over flags, so you see trouble before it happens\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard:\u003c\/strong\u003e income vs spending chart, savings each month, where the money went, total saved and your best month\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings goals:\u003c\/strong\u003e up to 8 goals, with exactly how much to save each month to hit them on time\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt payoff:\u003c\/strong\u003e debt-free dates, the interest you'll pay, and which debt to tackle first (avalanche or snowball)\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBills tracker\u003c\/strong\u003e with a \"paid\" tick for every month, plus a monthly money check-in\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003ePart 2: the printable Money Diary (13 pages, A4 + US Letter)\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eMoney snapshot and net worth, monthly budget page, spending tracker and bills checklist\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eColour-in trackers:\u003c\/strong\u003e a 100-coin savings jar, sinking-fund thermometers, debt payoff boxes and a 31-day no-spend challenge\u003c\/li\u003e\n\u003cli\u003eYear in money, monthly money check-in and a \"money wins\" jar\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eFormat:\u003c\/strong\u003e 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.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eLicence:\u003c\/strong\u003e personal use. Not for resale or redistribution.\u003c\/p\u003e\n\u003cp\u003eThis is a digital product. Nothing will be shipped. Your download link arrives by email straight after checkout.\u003c\/p\u003e","brand":"Learnkit","offers":[{"title":"Default Title","offer_id":67759376105663,"sku":"LK-BUDGET-001","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0794\/5866\/4639\/files\/budget-hero-4x5_01345a0b-3cf9-48fb-ba7c-e5fcbca9ab74.jpg?v=1792930425","url":"https:\/\/learnkit.online\/products\/monthly-budget-planner-spreadsheet","provider":"Learnkit","version":"1.0","type":"link"}