Most budgets ask for thirty categories and a finance degree. This one asks for three things: what comes in, what has to go out, and what you want to save. The spreadsheet does the rest. It shares the money that is left across the weeks of your month and shows one number on the Weekly tab: safe to spend this week. Overspend one week and the following weeks quietly adjust; spend less and the extra moves forward. Log spending in a few seconds, tick bills as they are paid and read a monthly summary with charts. A short guide walks you through set-up, a filled example month and a 10-minute weekly money check, with a printable paper version for anyone who prefers a pen.
Who it is for
- People who pay the bills but never quite know what they can spend by the third week
- Anyone who gave up on budgeting apps and wants a plain spreadsheet without bank logins
- Couples and households who want one weekly number they can both agree on
What is inside
- Weekly Safe to Spend — the one number for this week, the share for every week of the month, spent and left, with a chart
- Income and Bills — income lines, 20 fixed bills with paid ticks, yearly costs turned into a monthly share, a savings line and a spending plan
- Spending Log — 200 rows: date, what, category, amount; the week fills in by itself
- Monthly Summary — plan vs spent by category, bills paid and still to pay, where the money goes, with charts
- Settings — one cell for your currency label, one for date style, the first day of your budget month and your own categories
- Example — a filled month at day 17, so you can see exactly how it reads
- Guide — set-up in 20 minutes, how the weekly number works, a filled example month, the 10-minute weekly money check
- Paper version — printable monthly plan and weekly spending sheet, filled examples first
How to use it in 3 steps
- Look at the Example tab, then fill Income and Bills (about 20 minutes, once a month)
- Log what you spend as you go, or in one go at the end of the day
- Check the Weekly tab: spend up to the safe number and let the sheet adjust the rest
Formats and devices
- Excel .xlsx (Excel on Windows or Mac)
- Google Sheets (one-click copy link inside the guide)
- Guide + paper version: A4 and US Letter PDF, fillable
- Formulas locked, input cells tinted, no currency symbol
Part of The Money Peace Bundle → https://beawareofme.com/the-money-peace-bundle/
Digital download · All sales final
