Budget Spreadsheet Download

We don't teach young people how to manage money.

You can go through school, get a degree, start earning and still have no idea how to build a budget. I didn't fully understand mortgages until I was 30 and buying my first house.

And I know plenty of capable, intelligent adults who struggle with budgeting - not because they don't care but because no one ever showed them how.

At the same time, access to debt has never been easier:

• Buy Now, Pay Later

• Credit cards

• Financing everything

Parts of this system are designed to be predatory, causing long-term financial hurt for short-term consumer happiness.

So I have built something simple - a no-signup, no-cost spreadsheet that helps you:

• Set a monthly budget in minutes

• Track where your money is actually going

• Get a clear picture of your finances

No complexity, no jargon, just something that works. If it helps even a handful of people better manage their finances or feel more in control, it's done its job.