Budget Reset / Financial Planner

What you get

The new year is a natural time to get a clear picture of your money, but a blank spreadsheet is hard to start. This planner is for anyone who wants to know exactly where they stand, set up a monthly budget, and make a real plan for savings and debt, on paper or on screen.

It explains as it goes. The 50/30/20 page shows how the split works with a worked example. The debt pages explain the snowball and avalanche methods using the same four debts in both orders, so you can see the difference before you choose. It is general education to help you organize your own numbers, not personal financial advice.

What's inside

• Your money reset: six steps in order, and your biggest money goal
• Financial snapshot: what you own, what you owe, interest rates and minimums, and your net worth
• Monthly budget: income, fixed, flexible, and saving and payoff, planned against actual
• The 50/30/20 rule explained, with a worked example and your own numbers
• Savings goals: four goals, each with a fill-in progress bar
• Snowball or avalanche: both methods explained with the same example debts
• Debt payoff tracker: your debts in payoff order and a payment log
• Subscriptions audit, with where subscriptions tend to hide
• 2027 bill checklist: every regular bill with a tick box for each month
• No-spend challenge: your allowed list and a 31-day tick grid
• Sinking funds: plan for known costs, with a balance tracker by month
• Monthly money check-in: net worth, debt and savings for every month