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Give every dollar a job. $25, one time, yours to keep.
Most budgets fail because they are too complicated to maintain or too vague to change anything. This spreadsheet is built to be simple enough to use in your first sitting and thorough enough to run your whole financial life. It was designed by someone who paid off $30,000 to $60,000 of debt using this exact method.
What’s inside
Budget tab: Over 100 income, bill, and spending categories, built around real Canadian life: condo/townhome fees, RRSP, TFSA, FHSA, RESP, and more. Fill in your income, assign every dollar, and the sheet shows whether you hit zero.
Transactions tab: Paste or import your bank and credit card statements, tag each line with a category, and the totals flow into your budget automatically. No manual re-adding.
Spending chart: A live chart of where your money actually went, so you see it at a glance.
Instructions tab: Plain-language steps, including which cells to edit and which to leave alone, so you don’t break the formulas.
Built-in summaries: Planned vs. actual, remaining balance per category, and monthly totals, all calculated for you.
A simple way to see the return: if the sheet helps you find just $20 a month you were not tracking, it has paid for itself in the first month. Over a year, that same $20 a month is $240, and over ten years invested at an assumed 8 percent, it grows to roughly $3,600. That is an illustration, not a guarantee.
Who it’s for
Beginners who have never kept a budget
Anyone who tried budgeting apps and quit
People paying down debt who need to see where every dollar goes
Couples who want one shared picture
What you get: An Excel file (.xlsx) that works in Microsoft Excel and in Google Sheets. Instant download after purchase.
Please note: This is an educational tool, not personalized financial, tax, or legal advice.
Ready to start? Download your copy, set aside 60 minutes this weekend, and give every dollar a job. Want help setting it up? Book a free 30 minute consultation, or a Clarity Session to build your plan with me.
Give every dollar a job. $25, one time, yours to keep.
Most budgets fail because they are too complicated to maintain or too vague to change anything. This spreadsheet is built to be simple enough to use in your first sitting and thorough enough to run your whole financial life. It was designed by someone who paid off $30,000 to $60,000 of debt using this exact method.
What’s inside
Budget tab: Over 100 income, bill, and spending categories, built around real Canadian life: condo/townhome fees, RRSP, TFSA, FHSA, RESP, and more. Fill in your income, assign every dollar, and the sheet shows whether you hit zero.
Transactions tab: Paste or import your bank and credit card statements, tag each line with a category, and the totals flow into your budget automatically. No manual re-adding.
Spending chart: A live chart of where your money actually went, so you see it at a glance.
Instructions tab: Plain-language steps, including which cells to edit and which to leave alone, so you don’t break the formulas.
Built-in summaries: Planned vs. actual, remaining balance per category, and monthly totals, all calculated for you.
A simple way to see the return: if the sheet helps you find just $20 a month you were not tracking, it has paid for itself in the first month. Over a year, that same $20 a month is $240, and over ten years invested at an assumed 8 percent, it grows to roughly $3,600. That is an illustration, not a guarantee.
Who it’s for
Beginners who have never kept a budget
Anyone who tried budgeting apps and quit
People paying down debt who need to see where every dollar goes
Couples who want one shared picture
What you get: An Excel file (.xlsx) that works in Microsoft Excel and in Google Sheets. Instant download after purchase.
Please note: This is an educational tool, not personalized financial, tax, or legal advice.
Ready to start? Download your copy, set aside 60 minutes this weekend, and give every dollar a job. Want help setting it up? Book a free 30 minute consultation, or a Clarity Session to build your plan with me.