A complete monthly budgeting system, in two formats so you can use whichever suits you.

Includes:

• An 8-page printable PDF: how to budget (3 methods explained), monthly overview, 4-week spending tracker, bills tracker, debt payoff tracker, savings goals, and monthly reflection

• A fully editable Excel spreadsheet version with the same categories, live formulas, and automatic totals, so budgeted vs actual, weekly spending, and debt payoff all calculate themselves

Print the PDF and fill it in by hand, or work digitally in the spreadsheet, or use both. Reuse every month.

Instant digital download (ZIP file containing both formats).