{"title":"Personal Finance","description":"","products":[{"product_id":"budget-for-students-spreadsheet-google-96841","title":"Budget for Students Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eThis Budget for Students spreadsheet for Google Sheets and Microsoft Excel is perfect to help you stretch your budget during school.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our budget template simple and easy to use even for people with no technical background. Enter your transactions and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eEasily track your spending and net cash flow. Access your spreadsheet online anywhere via your Google account (free to set up) or Microsoft account.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Budget Dashboard\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Budget dashboard\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Cash Flow Summary\u003cbr\u003e- Amount remaining\u003cbr\u003e- Amount remaining per week\u003cbr\u003e- Income tracking\u003cbr\u003e- Dropdown for period type\u003cbr\u003e- Projected by Term calculations\u003cbr\u003e- Variable expenses\u003cbr\u003e- Fixed expenses\u003cbr\u003e- Projected \u0026amp; actual budgets\u003cbr\u003e- Variable expense breakdown\u003cbr\u003e- Transaction tracker\u003cbr\u003e- Account balance\u003cbr\u003e- Expense breakdown\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me on Etsy and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956478202174,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/BudgetforStudents.jpg?v=1706816144"},{"product_id":"ultimate-503020-budget-spreadsheet-66753","title":"Ultimate 50\/30\/20 Budget Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eThe Ultimate 50\/30\/20 Budget spreadsheet for Google Sheets and Microsoft Excel makes budgeting fun! Use the renowned 50\/30\/20 budgeting strategy to manage your money and achieve your financial goals.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our budget template simple and easy to use even for people with no technical background. Enter your transactions and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eEasily track your spending and net cash flow. You can choose the period. Includes an editable bills calendar, a subscription tracker, a debt snowball calculator and a sinking funds. Access your spreadsheet online anywhere via your Google account (free to set up).\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Budget Dashboard\u003cbr\u003e3. Bills Calendar\u003cbr\u003e4. Subscription Tracker\u003cbr\u003e5. Debt Snowball Calculator\u003cbr\u003e6. Savings Planner\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Budget dashboard\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Cash Flow Summary\u003cbr\u003e- Rollover from last period\u003cbr\u003e- Income tracking\u003cbr\u003e- Needs, Wants and Savings \u0026amp; Debt\u003cbr\u003e- Editable categories\u003cbr\u003e- Projected \u0026amp; actual budgets\u003cbr\u003e- Transaction tracker\u003cbr\u003e- Expense breakdown\u003cbr\u003e- Comprehensive graphs\u003cbr\u003e- Editable bills calendar\u003cbr\u003e- Automatic day updating calendar\u003cbr\u003e- Subscription tracker\u003cbr\u003e- Subscription monthly cost\u003cbr\u003e- Debt snowball calculator\u003cbr\u003e- Debt balance overview\u003cbr\u003e- Debt repayment end date\u003cbr\u003e- Savings planner\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003c\/p\u003e\n\u003cp\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956481118526,"sku":"","price":17.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/Ultimate503020Budget.jpg?v=1706821408"},{"product_id":"savings-planner-template-reach-your-47383","title":"Savings Planner Tracker Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eOur savings planner template spreadsheet for Google Sheets and Excel can help save your money towards a specific financial goal over time. Plan and budget for future expenses by breaking down the total cost into smaller, more manageable amounts.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our savings planner template simple and easy to use even for people with no technical background. Enter your debt information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calculator online anywhere via your Google account (free to set up) or Microsoft account. Your spreadsheet includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Savings Planner\u003cbr\u003e3. Filled example\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Savings Planner\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Space for up to 20 savings funds\u003cbr\u003e- Start Date and Goal Date\u003cbr\u003e- Savings Goal space\u003cbr\u003e- Automatic calculations\u003cbr\u003e- Amount saved so far\u003cbr\u003e- Balance remaning\u003cbr\u003e- Saving Planner with space for date and contributions\u003cbr\u003e- Recommended monthly contributions\u003cbr\u003e- Months left\u003cbr\u003e- Percentage Saved\u003cbr\u003e- Charts to help you visualize\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me on Etsy and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956482887998,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/SavingsPlanner.jpg?v=1706821023"},{"product_id":"net-worth-tracker-spreadsheet-google-30854","title":"Net Worth Tracker Spreadsheet Google Sheets Template","description":"\u003cp\u003eTake control of your finances with our comprehensive Net Worth Tracker Spreadsheet Google Sheets Template! This digital tool is the perfect way to track your assets and liabilities, calculate your net worth, and monitor your financial progress over time.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our Net Worth Tracker template simple and easy to use even for people with no technical background. Enter your investment information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calculator online anywhere via your Google account (free to set up). Your spreadsheet complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. READ ME - Instructions\u003cbr\u003e2. Net worth tracker\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Drop down for Month\u003cbr\u003e- Assets vs. Liabilities chart\u003cbr\u003e- Assets breakdown chart\u003cbr\u003e- Net worth over time chart\u003cbr\u003e- Net worth annual overview\u003cbr\u003e- Space for 40 assets\u003cbr\u003e- Assets split between savings \u0026amp; investments and properties \u0026amp; other assets\u003cbr\u003e- Space for 40 liabilities\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- You will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956485181758,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/NetWorthTrackerRainbow.jpg?v=1706820295"},{"product_id":"sinking-funds-tracker-spreadsheet-rainbow-94802","title":"Sinking Funds Tracker Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eOur sinking fund tracker spreadsheet for Google Sheets and Microsoft Excel can help you keep track of your savings towards a specific financial goal over time. Plan and budget for future expenses by breaking down the total cost into smaller, more manageable amounts.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our sinking fund tracker simple and easy to use even for people with no technical background. Enter your debt information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calculator online anywhere via your Google account (free to set up) or Microsoft account. Your spreadsheet includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e\u003cspan style=\"font-size: 0.875rem;\"\u003e.\u003c\/span\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Sinking Funds\u003cbr\u003e3. Filled example\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Sinking funds tracker\u003cbr\u003e- Space for up to 50 sinking funds\u003cbr\u003e- Additional contributions\u003cbr\u003e- Automatic calculations\u003cbr\u003e- Amount saved to date\u003cbr\u003e- Balance\u003cbr\u003e- Recommended amount\u003cbr\u003e- Months left\u003cbr\u003e- Estimate end\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956487180606,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/SinkingFundsRainbow.jpg?v=1706821130"},{"product_id":"simple-budget-by-paycheck-spreadsheet-48691","title":"Simple Budget by Paycheck Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eThe Simple Budget by Paycheck spreadsheet for Google Sheets and Microsoft Excel makes budgeting fun!\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our budget template simple and easy to use even for people with no technical background. Enter your transactions and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eTrack spending and net cash flow. You can choose the paycheck period. Includes an editable bills calendar, a subscription tracker, a debt snowball calculator and a sinking funds. Access your spreadsheet online anywhere via your Google account (free to set up) or Microsoft account. Your planner includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Budget by Paycheck\u003cbr\u003e3. Editable Bills Calendar\u003cbr\u003e4. Subscription Tracker\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Budget dashboard\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Cash Flow Summary\u003cbr\u003e- Rollover from last period\u003cbr\u003e- Income tracking\u003cbr\u003e- Expense, bills, debt payment and savings \u0026amp; Investment tracking\u003cbr\u003e- Editable categories\u003cbr\u003e- Projected \u0026amp; actual budgets\u003cbr\u003e- Savings tracker\u003cbr\u003e- Transaction tracker\u003cbr\u003e- Expense breakdown\u003cbr\u003e- Comprehensive graphs\u003cbr\u003e- Editable bills calendar\u003cbr\u003e- Automatic day updating calendar\u003cbr\u003e- Subscription tracker\u003cbr\u003e- Subscription monthly cost\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956490391870,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/BudgetbyPaycheck.jpg?v=1706821078"},{"product_id":"debt-dashboard-spreadsheet-google-sheets-63657","title":"Debt Dashboard Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eWith the Debt Dashboard Spreadsheet for Google Sheets and Microsoft Excel you can compare the two debt repayment methods; the Debt Avalanche and the Debt Snowball.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes the debt dashboard simple and easy to use even for people with no technical background. Enter your debt information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calculator online anywhere via your Google account (free to set up) or Microsoft account. Your spreadsheet includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Setup\u003cbr\u003e3. Debt Dashboard\u003cbr\u003e4. Payment Schedule\u003cbr\u003e5. Debt Snowball Calculator\u003cbr\u003e6. Debt Snowball Calculator\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Space for up to 40 debts\u003cbr\u003e- Debt balance overview\u003cbr\u003e- Debt balance today\u003cbr\u003e- Debt tracking over time\u003cbr\u003e- Total interest paid calculator\u003cbr\u003e- Automated calculations\u003cbr\u003e- Debt repayment method comparison\u003cbr\u003e- Expected payoff end date\u003cbr\u003e- Monthly payments calculator\u003cbr\u003e- View of monthly payment for every individual debt\u003cbr\u003e- Space for additional monthly contributions\u003cbr\u003e- Debt amount paid off\u003cbr\u003e- Debt repayment progress chart\u003cbr\u003e- Balance per debt today\u003cbr\u003e- Debt snowball calculator\u003cbr\u003e- Debt avalanche calculator\u003cbr\u003e- Automatic debt sorter by interest\u003cbr\u003e- Automatic debt sorter by debt size\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956495569214,"sku":"","price":12.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/DebtDashboardListing.jpg?v=1706816348"},{"product_id":"ultimate-budget-by-paycheck-spreadsheet-83725","title":"Ultimate Budget by Paycheck Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eThe Ultimate Budget by Paycheck spreadsheet for Google Sheets and Microsoft Excel makes budgeting fun!\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our budget template simple and easy to use even for people with no technical background. Enter your transactions and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eTrack spending and net cash flow. Choose the paycheck period. Includes an editable bills calendar, a subscription tracker, a debt snowball calculator and a sinking funds. Access this spreadsheet online anywhere via your Google account (free to set up). Your planner includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Budget by Paycheck\u003cbr\u003e3. Editable Bills Calendar\u003cbr\u003e4. Subscription Tracker\u003cbr\u003e5. Debt Snowball Calculator\u003cbr\u003e6. Savings Planner\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Budget dashboard\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Cash Flow Summary\u003cbr\u003e- Rollover from last period\u003cbr\u003e- Income tracking\u003cbr\u003e- Expense, bills, debt payment and savings \u0026amp; Investment tracking\u003cbr\u003e- Editable categories\u003cbr\u003e- Projected \u0026amp; actual budgets\u003cbr\u003e- Savings tracker\u003cbr\u003e- Transaction tracker\u003cbr\u003e- Expense breakdown\u003cbr\u003e- Comprehensive graphs\u003cbr\u003e- Editable bills calendar\u003cbr\u003e- Automatic day updating calendar\u003cbr\u003e- Subscription tracker\u003cbr\u003e- Subscription monthly cost\u003cbr\u003e- Debt snowball calculator\u003cbr\u003e- Debt balance overview\u003cbr\u003e- Debt repayment end date\u003cbr\u003e- Savings planner\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003c\/p\u003e\n\u003cp\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956498714942,"sku":"","price":17.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/UltimateBudgetbyPaycheckNew_1.png?v=1777409128"},{"product_id":"bill-calendar-spreadsheet-google-sheets-01347","title":"Bill Calendar Spreadsheet Google Sheets and Excel Template Monthly Debt \u0026 Bill Payment","description":"\u003cp\u003eWith the Bill Calendar for Google Sheets and Microsoft Excel you can keep track of when various bills are due, so that you can ensure you pay them on time and stay organized.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our bill calendar simple and easy to use even for people with no technical background. Enter your bills and income information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calendar online anywhere via your Google account (free to set up)or Microsoft account. Your spreadsheet includes most currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003e1. Bill Dashboard\u003cbr\u003e2. Bill Calendar\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Bill Dashboard\u003cbr\u003e- Cash flow chart\u003cbr\u003e- Sunday or Monday start\u003cbr\u003e- 10 spaces for income\u003cbr\u003e- 50 spaces for bills\u003cbr\u003e- Check box if recurring\u003cbr\u003e- Select frequency\u003cbr\u003e- Bill Calendar\u003cbr\u003e- Check boxes for paid bills\u003cbr\u003e- Checked bills red and strikethrough\u003cbr\u003e- Printable format\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956500844862,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/BillsCalendarListing.jpg?v=1706816020"},{"product_id":"annual-monthly-budget-spreadsheet-90065","title":"Annual \u0026 Monthly Budget Spreadsheet - Google Sheets \u0026 Excel Template for Personal Finance","description":"\u003cp\u003e\u003cstrong\u003eSimplify Your Budgeting with Our Annual \u0026amp; Monthly Budget Spreadsheet\u003c\/strong\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eMake budgeting simple and stress-free with the Annual \u0026amp; Monthly Budget Spreadsheet. Built for Google Sheets and Excel, this beginner-friendly tool helps you effortlessly organize your income, spending, bills, debts, and savings all year long.\u003c\/p\u003e\n\u003cp\u003eWith intuitive monthly tabs, automated dashboards, and easy-to-use trackers, you’ll always see exactly where your money is going and what’s left to budget. Whether you’re brand new to budgeting or just want a more straightforward system, this planner makes managing your finances clear and easy.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhy Choose This Budget Spreadsheet?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eUser-Friendly Design:\u003c\/strong\u003e Ideal for beginners, with automated calculations that save you time and effort.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eComprehensive Financial Tracking:\u003c\/strong\u003e Monitor your monthly spending, net cash flow, and yearly financial summary with intuitive dashboards.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eComplete Budgeting Tools:\u003c\/strong\u003e Includes a bills calendar, subscription tracker, debt snowball calculator, and savings planner—all in one place.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMulti-Currency \u0026amp; Global Use:\u003c\/strong\u003e Supports most currencies and allows easy adjustments for your specific needs.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAccess Anytime, Anywhere:\u003c\/strong\u003e Use it online with your Google or Microsoft account, available on any device.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e✦ \u003cstrong\u003eWHAT'S INCLUDED\u003c\/strong\u003e\u003cbr\u003e• Dashboard: Annual overview of income, spending, debt, and savings\u003cbr\u003e• Setup: Customize categories to fit your budget\u003cbr\u003e• Recurring Transactions: Enter once and they repeat automatically\u003cbr\u003e• Calendar: View upcoming bills and payments\u003cbr\u003e• 12 Monthly Budget Tabs: Plan and track your budget each month\u003cbr\u003e• Account Tracker: Track balances across all your accounts\u003cbr\u003e• 50\/30\/20 Budget Breakdown: See how your spending aligns with this rule\u003cbr\u003e• Couples Budget Breakdown: Compare income and spending between two people\u003cbr\u003e• Subscription Tracker: Know how much you spend on subscriptions\u003cbr\u003e• Net Worth Tracker: See your assets, debts, and progress over time\u003c!----\u003e\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eFEATURES\u003c\/strong\u003e\u003cbr\u003e✓ Annual dashboard with totals and charts\u003cbr\u003e✓ Annual cash flow summary\u003cbr\u003e✓ Annual and monthly totals in every category\u003cbr\u003e✓ Spending breakdown by category and person\u003cbr\u003e✓ 12 monthly budget tabs (income, expenses, bills, debts \u0026amp; savings)\u003cbr\u003e✓ Projected vs Actual budgets\u003cbr\u003e✓ Balance overview and spending overview charts\u003cbr\u003e✓ Transaction tracker (date, in\/out, category, account, person, description)\u003cbr\u003e✓ Recurring transactions (entered once, repeat automatically)\u003cbr\u003e✓ Built-in bills \u0026amp; payments calendar\u003cbr\u003e✓ Dropdown to view balances per month or full year\u003cbr\u003e✓ Account tracker for all accounts with transfers, interest \u0026amp; adjustments\u003cbr\u003e✓ Couples budget breakdown to see income and spending for two people\u003cbr\u003e✓ Net worth tracker (assets, debts, overall progress)\u003cbr\u003e✓ 50\/30\/20 budget breakdown dashboard\u003cbr\u003e✓ Subscription tracker with monthly cost total\u003cbr\u003e✓ Automatic updating across all tabs\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eWHAT YOU’LL GET\u003c\/strong\u003e\u003cbr\u003e• PDF with a link to the Ultimate Annual Budget Spreadsheet for Google Sheets\u003cbr\u003e• Excel file version of the Ultimate Annual Budget Spreadsheet\u003cbr\u003e• PDF with a link to the Debt Snowball\/Avalanche Spreadsheet for Google Sheets\u003cbr\u003e• Excel file version of the Debt Snowball\/Avalanche Spreadsheet\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eAFTER PURCHASE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e✓\u003c\/strong\u003e  You will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e\u003cstrong\u003e✓ For Google Sheets: \u003c\/strong\u003eDownload the file that starts with Google Sheets. In this file click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and choose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e\u003cstrong\u003e✓ For Excel:\u003c\/strong\u003e Download the .xlsx file and open it in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e📩 Need assistance? Send me a message anytime. I am happy to help.\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eNOTES\u003c\/strong\u003e\u003cbr\u003e⚠️ This spreadsheet was created with the latest Excel version (Office 365, desktop). Some features may not work in older versions\u003cbr\u003e⚠️ For Mac users, the Google Sheets version is recommended since Excel for Mac may be less reliable\u003cbr\u003e⚠️ Available in English only\u003cbr\u003e⚠️ Best viewed on a computer. Spreadsheets with more than 15 tabs may run slowly on tablets or phones\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eIMPORTANT\u003c\/strong\u003e\u003cbr\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003c\/p\u003e\n\u003cp\u003e✦\u003cstrong\u003e THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/strong\u003e\u003cbr\u003eDigital means it is ready to download straight away after purchase. No waiting and no shipping fees. Purchase once and it is yours forever.\u003c\/p\u003e\n\u003cp\u003eNo physical product will be shipped\u003cbr\u003e\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":46956503761214,"sku":"","price":22.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/AnnualBudgetNew.png?v=1777409903"},{"product_id":"ultimate-budget-for-couples-spreadsheet-50542","title":"Ultimate Budget for Couples Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eThe Ultimate Budget for Couples spreadsheet for Google Sheets and Microsoft Excel makes budgeting fun!\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our budget template simple and easy to use even for people with no technical background. Enter your transactions and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eEasily track your spending and net cash flow. You can choose the paycheck period. Includes an editable bills calendar, a subscription tracker, a debt snowball calculator and a sinking funds. Access your spreadsheet online anywhere via your Google account (free to set up). Your planner includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Budget Dashboard\u003cbr\u003e3. Breakdown\u003cbr\u003e4. Editable Bills Calendar\u003cbr\u003e5. Subscription Tracker\u003cbr\u003e6. Debt Snowball Calculator\u003cbr\u003e7. Savings Planner\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Budget dashboard\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Space to enter partner names\u003cbr\u003e- Cash Flow Summary\u003cbr\u003e- Rollover from last period\u003cbr\u003e- Income tracking\u003cbr\u003e- Expense, bills, debt payment and savings \u0026amp; Investment tracking\u003cbr\u003e- Editable categories\u003cbr\u003e- Projected \u0026amp; actual budgets\u003cbr\u003e- Savings tracker\u003cbr\u003e- Transaction tracker\u003cbr\u003e- Balance in transaction tracker\u003cbr\u003e- Expense breakdown\u003cbr\u003e- Comprehensive graphs\u003cbr\u003e- Income, Spending and Savings breakdown between partners\u003cbr\u003e- Individual and combined totals\u003cbr\u003e- Breakdown per Spending section\u003cbr\u003e- Editable bills calendar\u003cbr\u003e- Automatic day updating calendar\u003cbr\u003e- Subscription tracker\u003cbr\u003e- Subscription monthly cost\u003cbr\u003e- Debt snowball calculator\u003cbr\u003e- Debt balance overview\u003cbr\u003e- Debt repayment end date\u003cbr\u003e- Savings planner\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003c\/p\u003e\n\u003cp\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":47637755396414,"sku":"","price":17.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/UltimateBudgetforCouples_1.jpg?v=1706821497"},{"product_id":"debt-snowball-calculator-spreadsheet-24229","title":"Debt Snowball \/ Avalanche Calculator Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eWith the Debt Snowball\/Avalanche Calculator for Google Sheets and Microsoft Excel you can keep track of your debts, pay them faster and know when you'll be debt free.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our debt snowball \/ Avalanche template simple and easy to use even for people with no technical background. Enter your debt information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calculator online anywhere via your Google account (free to set up) or Microsoft account. Your spreadsheet includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Debt Snowball calculator\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Debt snowball and avalanche calculator\u003cbr\u003e- Space for up to 40 debts\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Payment schedule\u003cbr\u003e- Cross off once month has passed\u003cbr\u003e- Quick glance at monthly payments\u003cbr\u003e- Total monthly payments calculation\u003cbr\u003e- Debt repayment end date\u003cbr\u003e- Months needed until payoff\u003cbr\u003e- Amount paid off to date\u003cbr\u003e- Total interest paid calculator\u003cbr\u003e- Automatic debt sorter\u003cbr\u003e- Debt balance breakdown\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me  and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003c\/p\u003e\n\u003cp\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":47637868871998,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/DebtSnowballAvalancheNEW.png?v=1777409836"},{"product_id":"compound-interest-calculator-spreadsheet-77326","title":"Compound Interest Calculator Spreadsheet Google Sheets Template","description":"\u003cp\u003eWith the rainbow Compound Interest Calculator for Google Sheets you can Visualize the potential of your investments. Generating \"interest on interest\" is known as the power of compound interest.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our Compound Interest Calculator template simple and easy to use even for people with no technical background. Enter your investment information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calculator online anywhere via your Google account (free to set up). Your spreadsheet complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Compound Interest Calculator\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Compound Interest Calculator\u003cbr\u003e- Investment Growth Table\u003cbr\u003e- Retirement Plan\u003cbr\u003e- Compounding Interest Growth Overview\u003cbr\u003e- Detailed Tables\u003cbr\u003e- Space for additional contributions\u003cbr\u003e- Available in 3 currencies: Dollar, Euro, Pound\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- You will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":47637942272318,"sku":"","price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/CompoundInterest_1.jpg?v=1706816302"},{"product_id":"ultimate-monthly-budget-spreadsheet-30598","title":"Ultimate Monthly Budget Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eThis Ultimate Monthly budget spreadsheet for Google Sheets and Microsoft Excel makes budgeting fun!\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our budget template simple and easy to use even for people with no technical background. Enter your transactions and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eTrack monthly spending and net cash flow. Includes an editable bills calendar, a subscription tracker, a debt snowball calculator and a sinking funds. Access your spreadsheet online anywhere via your Google account (free to set up) or Microsoft Excel. Your planner includes most currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Monthly Budget\u003cbr\u003e3. Editable Bills Calendar\u003cbr\u003e4. Subscription Tracker\u003cbr\u003e5. Debt Snowball Calculator\u003cbr\u003e6. Savings Planner\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Budget dashboard\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Monthly spending overview\u003cbr\u003e- Income tracking\u003cbr\u003e- Expense, bills, savings \u0026amp; debt payment tracking\u003cbr\u003e- Projected \u0026amp; actual budgets\u003cbr\u003e- Savings tracker\u003cbr\u003e- Transaction tracker\u003cbr\u003e- Expense breakdown\u003cbr\u003e- Comprehensive graphs\u003cbr\u003e- Editable bills calendar\u003cbr\u003e- Automatic day updating calendar\u003cbr\u003e- Subscription tracker\u003cbr\u003e- Subscription monthly cost\u003cbr\u003e- Debt snowball calculator\u003cbr\u003e- Debt balance overview\u003cbr\u003e- Debt repayment end date\u003cbr\u003e- Savings planner\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":47637947220286,"sku":"","price":17.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/UltimateMonthlyBudget.jpg?v=1706821562"},{"product_id":"monthly-budget-spreadsheet-google-sheets-65893","title":"Monthly Budget Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eThis Simple Monthly budget spreadsheet for Google Sheets and Microsoft Excel makes budgeting fun!\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our budget template simple and easy to use even for people with no technical background. Enter your transactions and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eEasily track your monthly spending and net cash flow. Includes an editable bills calendar and subscription tracker. Access your spreadsheet online anywhere via your Google account (free to set up) or Microsoft account. Your planner includes 3 different currencies and comes complete with an easy to follow set of instructions.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Monthly Budget\u003cbr\u003e3. Editable Bills Calendar\u003cbr\u003e4. Subscription Tracker\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Budget dashboard\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Monthly spending overview\u003cbr\u003e- Cash Flow Summary\u003cbr\u003e- Rollover from last period\u003cbr\u003e- Income tracking\u003cbr\u003e- Expense, bills, savings \u0026amp; debt payment tracking\u003cbr\u003e- Projected \u0026amp; actual budgets\u003cbr\u003e- Savings tracker\u003cbr\u003e- Transaction tracker\u003cbr\u003e- Expense breakdown\u003cbr\u003e- Comprehensive graphs\u003cbr\u003e- Editable bills calendar\u003cbr\u003e- Automatic day updating calendar\u003cbr\u003e- Subscription tracker\u003cbr\u003e- Subscription monthly cost\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me on Etsy and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003cbr\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":47637953151294,"sku":"","price":8.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/MonthlyBudget_1.jpg?v=1706820240"},{"product_id":"annual-budget-by-paycheck-monthly-spreadsheet-google-sheets-and-excel","title":"Annual Budget By Paycheck \u0026 Monthly Spreadsheet Google Sheets and Excel","description":"\u003cp\u003eMake budgeting simple and stress-free with the By Paycheck Budget Annual and Monthly Spreadsheet. Built for Google Sheets and Excel, this beginner-friendly tool helps you organize your income, spending, bills, debts and savings by month and by paycheck.\u003c\/p\u003e\n\u003cp\u003eWith intuitive monthly tabs, automated dashboards and easy-to-use trackers, you’ll always see where your money is going and what’s left to budget. And with the added paycheck projection tools, you can plan your income and expenses for any period you choose while still budgeting month to month. This planner keeps your finances clear, flexible and easy to manage.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INCLUDED\u003cbr\u003e• Dashboard: Annual overview of income, spending, debt, and savings\u003cbr\u003e• Setup: Customize categories to fit your budget\u003cbr\u003e• Recurring Transactions: Enter once and they repeat automatically\u003cbr\u003e• Calendar: View upcoming bills and payments\u003cbr\u003e• By Paycheck Dashboard: View totals, unpaid items and remaining amount for any date range\u003cbr\u003e• By Paycheck Projections: Add projected amounts and plan your upcoming paycheck period\u003cbr\u003e• 12 Monthly Budget Tabs: Plan and track your budget each month\u003cbr\u003e• Account Tracker: Track balances across all your accounts\u003cbr\u003e• 50\/30\/20 Budget Breakdown: See how your spending aligns with this rule\u003cbr\u003e• Couples Budget Breakdown: Compare income and spending between two people\u003cbr\u003e• Subscription Tracker: Know how much you spend on subscriptions\u003cbr\u003e• Net Worth Tracker: See your assets, debts, and progress over time\u003c\/p\u003e\n\u003cp\u003e✦ FEATURES\u003cbr\u003e✓ Annual dashboard with totals and charts\u003cbr\u003e✓ Annual cash flow summary\u003cbr\u003e✓ Annual and monthly totals in every category\u003cbr\u003e✓ Spending breakdown by category and person\u003cbr\u003e✓ Select any date range to review your paycheck period\u003cbr\u003e✓ Automated paycheck dashboard with totals, unpaid items and remaining balance\u003cbr\u003e✓ Projection tool with recurring amounts plus your projected income and expenses\u003cbr\u003e✓ 12 monthly budget tabs (income, expenses, bills, debts \u0026amp; savings)\u003cbr\u003e✓ Projected vs Actual budgets\u003cbr\u003e✓ Balance overview and spending overview charts\u003cbr\u003e✓ Transaction tracker (date, in\/out, category, account, person, description)\u003cbr\u003e✓ Recurring transactions (entered once, repeat automatically)\u003cbr\u003e✓ Built-in bills \u0026amp; payments calendar\u003cbr\u003e✓ Dropdown to view balances per month or full year\u003cbr\u003e✓ Account tracker for all accounts with transfers, interest \u0026amp; adjustments\u003cbr\u003e✓ Couples budget breakdown to see income and spending for two people\u003cbr\u003e✓ Net worth tracker (assets, debts, overall progress)\u003cbr\u003e✓ 50\/30\/20 budget breakdown dashboard\u003cbr\u003e✓ Subscription tracker with monthly cost total\u003cbr\u003e✓ Automatic updating across all tabs\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU’LL GET\u003cbr\u003e• PDF with a link to the By Paycheck Budget Annual and Monthly Spreadsheet for Google Sheets\u003cbr\u003e• Excel file version of the By Paycheck Budget Annual and Monthly Spreadsheet\u003cbr\u003e• PDF with a link to the Debt Snowball and Avalanche Spreadsheet for Google Sheets\u003cbr\u003e• Excel file version of the Debt Snowball and Avalanche Spreadsheet\u003c\/p\u003e\n\u003cp\u003e✦After you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e📩 Need assistance? Send me a message anytime. I am happy to help.\u003c\/p\u003e\n\u003cp\u003e✦ NOTES\u003cbr\u003e⚠️ This spreadsheet was created with the latest Excel version (Office 365, desktop). Some features may not work in older versions\u003cbr\u003e⚠️ For Mac users, the Google Sheets version is recommended since Excel for Mac may be less reliable\u003cbr\u003e⚠️ Available in English only\u003cbr\u003e⚠️ Best viewed on a computer. Spreadsheets with more than 15 tabs may run slowly on tablets or phones\u003c\/p\u003e\n\u003cp\u003e✦ IMPORTANT\u003cbr\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003c\/p\u003e\n\u003cp\u003e✦ THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003cbr\u003eDigital means it is ready to download straight away after purchase. No waiting and no shipping fees. Purchase once and it is yours forever.\u003c\/p\u003e\n\u003cp\u003eNo physical product will be shipped\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":52748361498942,"sku":null,"price":22.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/AnnualBudgetbyPaycheck.png?v=1777409202"},{"product_id":"annual-monthly-budget-spreadsheet-google-sheets-excel-template-for-personal-finance-copy","title":"Annual \u0026 Monthly Budget Spreadsheet - Google Sheets \u0026 Excel Financial Planner Template","description":"\u003cp\u003e\u003cstrong\u003eSimplify Your Budgeting with Our Annual \u0026amp; Monthly Budget Spreadsheet\u003c\/strong\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eTake the stress out of managing your money with the Annual \u0026amp; Monthly Budget Spreadsheet. Designed for Google Sheets and Excel, this beginner-friendly planner helps you organize income, expenses, bills, debt, and savings in one simple system you can use all year.\u003c\/p\u003e\n\u003cp\u003eWith clear monthly tabs, automatic dashboards, and easy trackers, you can quickly see where your money is going and what you still have left to budget. Whether you’re just starting out or looking for a simpler way to stay organized, this spreadsheet makes budgeting feel clear, manageable, and approachable.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhy Choose This Budget Spreadsheet?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eUser-Friendly Design:\u003c\/strong\u003e Ideal for beginners, with automated calculations that save you time and effort.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eComprehensive Financial Tracking:\u003c\/strong\u003e Monitor your monthly spending, net cash flow, and yearly financial summary with intuitive dashboards.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eComplete Budgeting Tools:\u003c\/strong\u003e Includes a bills calendar, subscription tracker, debt snowball calculator, and savings planner—all in one place.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMulti-Currency \u0026amp; Global Use:\u003c\/strong\u003e Supports most currencies and allows easy adjustments for your specific needs.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAccess Anytime, Anywhere:\u003c\/strong\u003e Use it online with your Google or Microsoft account, available on any device.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e✦ \u003cstrong\u003eWHAT'S INCLUDED\u003c\/strong\u003e\u003cbr\u003e• Dashboard: Annual overview of income, spending, debt, and savings\u003cbr\u003e• Setup: Customize categories to fit your budget\u003cbr\u003e• Recurring Transactions: Enter once and they repeat automatically\u003cbr\u003e• Calendar: View upcoming bills and payments\u003cbr\u003e• 12 Monthly Budget Tabs: Plan and track your budget each month\u003cbr\u003e• Account Tracker: Track balances across all your accounts\u003cbr\u003e• 50\/30\/20 Budget Breakdown: See how your spending aligns with this rule\u003cbr\u003e• Couples Budget Breakdown: Compare income and spending between two people\u003cbr\u003e• Subscription Tracker: Know how much you spend on subscriptions\u003cbr\u003e• Net Worth Tracker: See your assets, debts, and progress over time\u003c!----\u003e\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eFEATURES\u003c\/strong\u003e\u003cbr\u003e✓ Annual dashboard with totals and charts\u003cbr\u003e✓ Annual cash flow summary\u003cbr\u003e✓ Annual and monthly totals in every category\u003cbr\u003e✓ Spending breakdown by category and person\u003cbr\u003e✓ 12 monthly budget tabs (income, expenses, bills, debts \u0026amp; savings)\u003cbr\u003e✓ Projected vs Actual budgets\u003cbr\u003e✓ Balance overview and spending overview charts\u003cbr\u003e✓ Transaction tracker (date, in\/out, category, account, person, description)\u003cbr\u003e✓ Recurring transactions (entered once, repeat automatically)\u003cbr\u003e✓ Built-in bills \u0026amp; payments calendar\u003cbr\u003e✓ Dropdown to view balances per month or full year\u003cbr\u003e✓ Account tracker for all accounts with transfers, interest \u0026amp; adjustments\u003cbr\u003e✓ Couples budget breakdown to see income and spending for two people\u003cbr\u003e✓ Net worth tracker (assets, debts, overall progress)\u003cbr\u003e✓ 50\/30\/20 budget breakdown dashboard\u003cbr\u003e✓ Subscription tracker with monthly cost total\u003cbr\u003e✓ Automatic updating across all tabs\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eWHAT YOU’LL GET\u003c\/strong\u003e\u003cbr\u003e• PDF with a link to the Ultimate Annual Budget Spreadsheet for Google Sheets\u003cbr\u003e• Excel file version of the Ultimate Annual Budget Spreadsheet\u003cbr\u003e• PDF with a link to the Debt Snowball\/Avalanche Spreadsheet for Google Sheets\u003cbr\u003e• Excel file version of the Debt Snowball\/Avalanche Spreadsheet\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eAFTER PURCHASE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e✓\u003c\/strong\u003e  You will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e\u003cstrong\u003e✓ For Google Sheets: \u003c\/strong\u003eDownload the file that starts with Google Sheets. In this file click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and choose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e\u003cstrong\u003e✓ For Excel:\u003c\/strong\u003e Download the .xlsx file and open it in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e📩 Need assistance? Send me a message anytime. I am happy to help.\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eNOTES\u003c\/strong\u003e\u003cbr\u003e⚠️ This spreadsheet was created with the latest Excel version (Office 365, desktop). Some features may not work in older versions\u003cbr\u003e⚠️ For Mac users, the Google Sheets version is recommended since Excel for Mac may be less reliable\u003cbr\u003e⚠️ Available in English only\u003cbr\u003e⚠️ Best viewed on a computer. Spreadsheets with more than 15 tabs may run slowly on tablets or phones\u003c\/p\u003e\n\u003cp\u003e✦ \u003cstrong\u003eIMPORTANT\u003c\/strong\u003e\u003cbr\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003c\/p\u003e\n\u003cp\u003e✦\u003cstrong\u003e THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/strong\u003e\u003cbr\u003eDigital means it is ready to download straight away after purchase. No waiting and no shipping fees. Purchase once and it is yours forever.\u003c\/p\u003e\n\u003cp\u003eNo physical product will be shipped\u003cbr\u003e\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":52982218260798,"sku":null,"price":22.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/AnnualBudgetSage.png?v=1770388921"},{"product_id":"debt-snowball-avalanche-calculator-spreadsheet-google-sheets-and-excel-template-copy","title":"Debt Snowball \/ Avalanche Calculator Spreadsheet Google Sheets and Excel Template","description":"\u003cp\u003eWith the Debt Snowball\/Avalanche Calculator for Google Sheets and Microsoft Excel you can keep track of your debts, pay them faster and know when you'll be debt free.\u003c\/p\u003e\n\u003cp\u003eThe calculations are done for you which makes our debt snowball \/ Avalanche template simple and easy to use even for people with no technical background. Enter your debt information and see the spreadsheet update automatically.\u003c\/p\u003e\n\u003cp\u003eContact us right away if you have any questions :)\u003c\/p\u003e\n\u003cp\u003eAccess your calculator online anywhere via your Google account (free to set up) or Microsoft account.\u003c\/p\u003e\n\u003cp\u003eAfter you purchase:\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003eYou will also receive an email with access to the Download page.\u003c\/p\u003e\n\u003cp\u003e》TABS\u003cbr\u003e1. Instructions\u003cbr\u003e2. Debt Snowball calculator\u003c\/p\u003e\n\u003cp\u003e》FEATURES\u003cbr\u003e- Debt snowball and avalanche calculator\u003cbr\u003e- Space for up to 40 debts\u003cbr\u003e- Dropdown for country\u003cbr\u003e- Most currencies included**\u003cbr\u003e- Payment schedule\u003cbr\u003e- Cross off once month has passed\u003cbr\u003e- Quick glance at monthly payments\u003cbr\u003e- Total monthly payments calculation\u003cbr\u003e- Debt repayment end date\u003cbr\u003e- Months needed until payoff\u003cbr\u003e- Amount paid off to date\u003cbr\u003e- Total interest paid calculator\u003cbr\u003e- Automatic debt sorter\u003cbr\u003e- Debt balance breakdown\u003c\/p\u003e\n\u003cp\u003e**For the currencies: After purchase if your country is not in the list, please contact me  and I will add it.\u003cbr\u003e______________________________________________\u003cbr\u003e》NOTES\u003c\/p\u003e\n\u003cp\u003e- For Google Sheets, you will need Google Sheets and a basic understanding of how to use it.\u003cbr\u003e- For Excel, you will need either Office 2021 or later or a Microsoft Excel 365 subscription and a basic understanding of how to use it.\u003cbr\u003e- The spreadsheet looks and works better on a desktop\/computer.\u003cbr\u003e______________________________________________\u003cbr\u003e》IMPORTANT\u003c\/p\u003e\n\u003cp\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003cbr\u003e______________________________________________\u003c\/p\u003e\n\u003cp\u003e》THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003c\/p\u003e\n\u003cp\u003eDigital means its ready to download straight away after buying! No waiting, and no shipping fees. Purchase once and its yours forever!\u003c\/p\u003e\n\u003cp\u003e*No physical product will be shipped*\u003cbr\u003e______________________________________________\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":52982235234622,"sku":null,"price":9.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/1_68fc95c7-9379-45c3-92a6-e8052c672c04.png?v=1770390092"},{"product_id":"annual-budget-spreadsheet-for-beginners-google-sheets-excel-simple-budget-planner","title":"Annual Budget Spreadsheet for Beginners Google Sheets \u0026 Excel | Simple Budget Planner","description":"\u003cp\u003eTake control of your money with a simple budget spreadsheet designed specifically for beginners.\u003c\/p\u003e\n\u003cp\u003eThe Annual Budget for Beginners Spreadsheet helps you plan, track, and manage your finances throughout the year without complicated features or overwhelming setup. With 12 monthly budget tabs, an annual dashboard, and an automated calendar, you'll always know where your money is going.\u003c\/p\u003e\n\u003cp\u003ePerfect for first-time budgeters, families, and anyone looking for an easy way to stay organized and build better money habits.\u003c\/p\u003e\n\u003cp\u003e✦AFTER YOU PURCHASE:\u003c\/p\u003e\n\u003cp\u003eYou will receive a confirmation email and soon after you will receive another email with links to download your files.\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Google Sheets: Download the PDF. In the PDF click on the button. It will redirect you to the Google Sheet website where you can make a copy of the file. If the file opens in \"View Only\" go to \"File\" and chose \"Make a copy\".\u003c\/p\u003e\n\u003cp class=\"ty-message\"\u003e- For Excel: Download the .xlsx file and open file in Microsoft Excel.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INCLUDED\u003cbr\u003e✓ Annual Dashboard\u003cbr\u003e✓ 12 Monthly Budget Tabs\u003cbr\u003e✓ Calendar\u003cbr\u003e✓ Step-by-step Instructions\u003cbr\u003e✓ Google Sheets Version\u003cbr\u003e✓ Excel 365 Version\u003c\/p\u003e\n\u003cp\u003e✦ FEATURES\u003cbr\u003e✓ Beginner Friendly\u003cbr\u003e✓ Start From Any Month\u003cbr\u003e✓ Automatic Calculations\u003cbr\u003e✓ Monthly Budget Tracking\u003cbr\u003e✓ Income Tracking\u003cbr\u003e✓ Expense Tracking\u003cbr\u003e✓ Bill Tracking\u003cbr\u003e✓ Debt Tracking\u003cbr\u003e✓ Savings Tracking\u003cbr\u003e✓ Monthly Calendar\u003cbr\u003e✓ Spending Charts\u003cbr\u003e✓ Balance Tracking\u003cbr\u003e✓ All Currencies Supported\u003cbr\u003e✓ Reuse Every Year\u003c\/p\u003e\n\u003cp\u003e✦PERFECT FOR\u003cbr\u003e• First-Time Budgeters\u003cbr\u003e• Staying Organized\u003cbr\u003e• Tracking Monthly Bills\u003cbr\u003e• Saving Money Consistently\u003cbr\u003e• Managing Everyday Spending\u003cbr\u003e• Planning Your Finances All Year\u003c\/p\u003e\n\u003cp\u003e✦COMPATIBILITY\u003cbr\u003eGoogle Sheets\u003cbr\u003eMicrosoft Excel 365 (Subscription Version)\u003cbr\u003ePlease note that some features may not work correctly in older versions of Excel.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU’LL GET\u003cbr\u003e• PDF with a link to the Annual Budget for Beginners for Google Sheets\u003cbr\u003e• Excel file version of the Annual Budget for Beginners Spreadsheet\u003c\/p\u003e\n\u003cp\u003e✦ AFTER PURCHASE\u003cbr\u003e✓ Once your payment is processed, your files will be available for instant download at etsy.com\/your\/purchases. If you checked out as a guest, you’ll find the download link in your receipt email\u003cbr\u003e✓ To use the Google Sheets version, log in with a free Google account and open the link provided in the PDF. The Excel version can be opened and used right away\u003cbr\u003e✓ Follow the included instructions for clear guidance on getting started and making the most of your spreadsheet\u003c\/p\u003e\n\u003cp\u003e📩 Need assistance? Send me a message anytime. I am happy to help.\u003c\/p\u003e\n\u003cp\u003e✦ NOTES\u003cbr\u003e⚠️ This spreadsheet was created with the latest Excel version (Office 365, desktop). Some features may not work in older versions\u003cbr\u003e⚠️ For Mac users, the Google Sheets version is recommended since Excel for Mac may be less reliable\u003cbr\u003e⚠️ Available in English only\u003cbr\u003e⚠️ Best viewed on a computer. Spreadsheets with more than 15 tabs may run slowly on tablets or phones\u003c\/p\u003e\n\u003cp\u003e✦ IMPORTANT\u003cbr\u003eAll designs are ©MyProductiveLifeCo. This item is for personal use and cannot be resold, redistributed, or used for any commercial purposes.\u003c\/p\u003e\n\u003cp\u003e✦ THIS IS A DIGITAL PRODUCT \/ INSTANT DOWNLOAD\u003cbr\u003eDigital means it is ready to download straight away after purchase. No waiting and no shipping fees. Purchase once and it is yours forever.\u003c\/p\u003e\n\u003cp\u003eNo physical product will be shipped\u003c\/p\u003e","brand":"MyProductiveLifeCo","offers":[{"title":"Default Title","offer_id":53528621252926,"sku":null,"price":14.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0821\/1552\/6974\/files\/1_08cc727a-8def-429b-a338-166e3cfcedda.png?v=1779393170"}],"url":"https:\/\/myproductivelifeco.com\/collections\/budgets.oembed?page=2","provider":"MyProductiveLifeCo","version":"1.0","type":"link"}