Homeowner's budget template for the bills renters never see: property tax, insurance, HOA, utilities, and a maintenance reserve in a year-long structure.

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Jul 11, 2026

Monarch Money vs Rocket Money: Which Fits Which User

Monarch Money vs Rocket Money compared by feature, pricing, and use case. Side-by-side table plus the spreadsheet alternative most users land on.

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Jul 9, 2026

Compound Interest Calculator in Google Sheets (Step-by-Step)

Build a compound interest calculator in Google Sheets. Formula, monthly contributions, real vs nominal returns, and projections at 10, 20, and 30 years.

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Jul 7, 2026

Why Budgeting Apps Fail After 3 Months (And What Works Instead)

Why most budgeting app users quit by month 3. The novelty curve, friction triggers, and the structural reasons spreadsheets often outlast subscriptions.

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Jul 5, 2026

How to Budget with Irregular Income in Google Sheets

How to budget irregular income in Google Sheets: the baseline method, a four-tab spreadsheet, and the buffer that smooths peaks and dips for freelancers.

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Jul 3, 2026

Home Renovation Budget Spreadsheet (Contingency + Phase Costs)

Home renovation budget spreadsheet with phase tracking, contingency math, vendor quotes side by side, and the 15-20% buffer that survives surprise costs.

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Jul 1, 2026

State of Personal Finance Mid-2026: What the Data Shows

Mid-2026 state of personal finance: saving rate, credit card balances, mortgage burden, retirement balances, inflation, and net worth, from Fed and BLS data.

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Jun 29, 2026

Mid-Year Tax Checkup: 8 Things Worth Reviewing in June

A mid-year tax checkup with a spreadsheet: 8 areas to review in June - withholding, estimated payments, retirement and HSA pace, deductions, and life changes.

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Jun 27, 2026

Summer Camp Cost Calculator Spreadsheet

Summer camp cost calculator spreadsheet covering tuition, transport, gear, extras, and the per-week comparison that helps multi-child families decide.

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Jun 25, 2026

How to Calculate ROI on a Rental Property (Spreadsheet)

How to calculate rental property ROI in a spreadsheet: cap rate, cash-on-cash return, total return, and the realistic vacancy and expense assumptions that matter.

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Jun 23, 2026

Spreadsheet Budgets for Couples: Shared Sheets That Work

Spreadsheet budgets for couples: shared sheet structure, income-split models, the 'his/hers/ours' three-account setup, and patterns that survive disagreement.

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Black smartphone resting face-down on an open spiral notebook beside a dark computer keyboard in a minimalist flat-lay workspace

Jun 21, 2026

PocketGuard Alternative: Spreadsheet "In My Pocket" Approach

PocketGuard's 'in my pocket' calculation rebuilt as a spreadsheet. Bills, goals, and a daily spendable number - without the $74.99 a year.

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Jun 19, 2026

How to Set Up Sinking Funds in Google Sheets

Sinking funds in Google Sheets: how to plan for irregular expenses like insurance, holidays, car repairs, and annual fees without the bills surprising you.

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