This personal finance planner system will help you to reach your financial goals! The system uses the zero-based budget and debt snowball methods which makes every dollar work for you. This budget template is great for those following Dave Ramsey's baby steps or for anyone wanting to get started on their financial journey! I used this budget system to pay down $70,000 of debt and save a 12 month emergency fund! Another great piece of the system is the debt snowball calculator. The debt snowball spreadsheet allows you to monitor the pay down of each debt. Once a debt is paid off, that payment is "snowballed" into the remaining payments. The debt snowball calculator is the best way to track and pay down your debt! A net worth tracker spreadsheet is included to help you see your wealth grow! Use the savings goal, debt repayment goal, and baby steps tracker to visualize your path to financial freedom. A cash envelope insert printable has been included to help you stay on budget by tracking every penny you spend! 3 Workbooks - (14 worksheets/tabs - Paycheck to Paycheck Zero-Based Budget Template), (13 worksheets/tabs - Net Worth Tracker), (2 worksheets/tabs - Debt Snowball Calculator and Instructions) 1 PDF (Paycheck to Paycheck Zero -based Budget Guide) 1 PDF (Net Worth Tracker Guide) 1 PDF (Baby Steps Tracker) 1 PDF (Savings Fund Goal Tracker) 1 PDF (Debt Repayment Goal Tracker) 1 PDF (Cash Envelope Inserts) ➤ This spreadsheet workbook has 14 worksheets: a summary tab, 12 months of budget tabs, and a password tracker tab. Each monthly tab is comprised of five budgeting periods. This allows you to budget weekly, bi-monthly, bi-weekly, semi-monthly, or monthly. The colors in the spreadsheet may look different depending on what program you use it in. ➤ You will first put in your budgeted income and expense items. Next, download your bank statement. Then categorize your expenses. Finally, put this information into the budget and make every dollar work for you. ➤ The tutorial on how to use this budget can be found here: https://youtu.be/DsvaqQkLImU ➤ The debt snowball calculator has columns for up to 16 debts and will monitor 10 years of debt repayment. Simply list your debt name, the minimum payment, and the interest rate. The length of time it will take to repay your debts is calculated for you! List your debts in order of smallest debt to largest. ➤ The net worth tracker spreadsheet workbook has 13 worksheets, a summary tab, and 12 months of monthly tracking tabs. ➤ A basic understanding of Excel is necessary to use the spreadsheet tools. ➤ Instructional video I made on how to use the paycheck to paycheck budget spreadsheet can be found on my YouTube channel: https://youtu.be/DsvaqQkLImU and the debt snowball video can be found here: https://www.youtube.com/watch?v=YQizQB1puE8 ➤ The editable PDF savings and debt repayment goal trackers have the calculations done for you. Simply enter your goal, click the "tab" key, and your goal amounts will be calculated! Print and color in as you reach your goal! ➤ The Baby Steps Tracker is a great way to visualize your journey to financial freedom - the dates are editable! ➤ The editable cash envelope inserts are a great way to keep your cash on track. Simply print and fill in as you need! The spreadsheets were created in Microsoft Excel and Google Sheets. The spreadsheets have been an invaluable tool on my debt repayment journey! I currently use them in Google Sheets so that I can use them on the go on my phone. Easy to use instructions are included. The instructions for the budget and net worth tracker spreadsheets are delivered to you as a PDF document and the instructions for the debt snowball calculator are found on the second tab of the spreadsheet. *Please note that this PDF uses fillable form fields for your convenience. Due to this we recommend opening the file in Adobe Acrobat PDF Viewer for most reliable results. Get it for free here: https://get.adobe.com/reader/ If using a Mac please open in Adobe PDF Reader as the Mac Preview software does not work well with fillable fields. INSTANT DOWNLOAD: This is a digital product. No physical product will be sent. PLEASE NOTE: This item is an .xlsx and PDF format file Once payment is complete the digital files (1 zip containing - 3 xlsx files and 6 pdf files) will be available for download in your account and an email will be sent to your Etsy registered email. The pictures of the printed product give you an indication of how it looks used. 3 Workbooks - (14 worksheets/tabs - Paycheck to Paycheck Zero-Based Budget Template), (13 worksheets/tabs - Net Worth Tracker), (2 worksheets/tabs - Debt Snowball Calculator and Instructions) 1 PDF (Paycheck to Paycheck Zero -based Budget Guide) 1 PDF (Net Worth Tracker Guide) 1 PDF (Baby Steps Tracker) 1 PDF (Savings Fund Goal Tracker) 1 PDF (Debt Repayment Goal Tracker) 1 PDF (Cash Envelope Inserts) Use visualization to achieve your goals! ➤ If you have any questions about this item, just hit the "message seller" button and I will get right back to you! ➤ Visit my shop for other goal solutions: http://etsy.com/shop/YourFrugalFriend ➤ ➤ Sign up on my email list for 15% off: https://yourfrugalfriend.ck.page *Note: this item is not for commercial use. Do not resell or redistribute*
