Companion resources · Published Kindle edition
A practical book about written budgets, payday plans, and building a first cash buffer.
No account or email sign-up is required. Start with a worked example to understand the method, then save a separate clean copy.
P1 · Version 1.0
Keep the original allocation, record actual spending and funded set-asides, and explain adjustments without treating a bank balance as income.
Formula-driven XLSX checked in Microsoft Excel for Windows. Use the clean workbook for your numbers and keep the filled example separate. Other spreadsheet apps have not been verified.
The guide includes a fictional worked example. Your Copy is a separate blank working file.
P2 · Version 1.1
Project dated checking movements, find the lowest balance, and test an optional purchase using a separate current-cash snapshot.
Formula-driven XLSX checked in Microsoft Excel for Windows. Use the clean workbook for your numbers and keep the filled example separate. Other spreadsheet apps have not been verified.
The guide includes a fictional worked example. Your Copy is a separate blank working file.
P3 · Version 1.0
Track actual reserves, verify the cash supporting them, and compare dated contributions with a payment deadline.
Formula-driven XLSX checked in Microsoft Excel for Windows. Use the clean workbook for your numbers and keep the filled example separate. Other spreadsheet apps have not been verified.
The guide includes a fictional worked example. Your Copy is a separate blank working file.
These planning files make allocations, payment timing, and reserves visible. They do not create income, erase necessary expenses, or guarantee a buffer.
Do not send completed planning files, financial account details, passwords, identity documents, or other sensitive information by email.
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