How to Track Bills in a Spreadsheet
How to track bills in a spreadsheet: a bill list, payment log, 12-month plan, late fee tracker, and a live dashboard, shown with a worked example.
Budgeting Articles
Budgeting methods, templates, and practical guides for tracking spending. Articles covering budgeting topics with practical guides, calculators, and spreadsheet templates.
49 articles
How to Build a 50/30/20 Budget in a Spreadsheet
How to build a 50/30/20 budget spreadsheet: an income sheet sets needs, wants, and savings targets, and category sheets track actual spending against them.
Q3 2026 Financial Review Checklist
A Q3 2026 financial review checklist: YTD numbers, tax check-in, 401k/IRA/HSA pace math, insurance, and the pre-November planning items.
Student Budget Template for College 2026
Student budget template for college 2026. Tuition, room and board, books, food, transport, and a semester-by-semester cash flow that prevents surprises.
Homeowner's Budget Template: Utilities, Taxes, and Maintenance
Homeowner's budget template for the bills renters never see: property tax, insurance, HOA, utilities, and a maintenance reserve in a year-long structure.
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.
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.
Cost of Living Comparison Spreadsheet: Move-Decision Worksheet
Cost of living comparison spreadsheet for the move-or-stay decision. Side-by-side housing, taxes, utilities, transport, and the salary-equivalent number.
Mid-Year Financial Review: A Template for Checking In
A mid-year financial review template covering budget vs actual, net worth, savings rate, tax check-in, insurance, subscriptions, debt, goals, and adjustments for the rest of the year.
Subscription Tracker Spreadsheet (Excel Template, Annualized Costs)
A dedicated subscription tracker spreadsheet logs every recurring charge, annualizes the cost, and records renewal dates. Compare the free, $19 Essentials, and $29 Ultimate tiers, then run a 10-minute audit.
End-of-Year Budget Review Template: A 12-Month Retrospective
A year-end budget review template that walks through the 12 months you just lived. Variance per category, savings rate trend, and a checklist for next year's plan.
Free Expense Tracker Google Sheets Template (5-Minute Setup)
Free expense tracker templates for Google Sheets in 2026: Google's built-in version, a free starter, community options, a five-minute setup, and when the paid $19 version is worth it.
Wedding Budget Spreadsheet: 80 Rows That Cover the Whole Day
A wedding budget spreadsheet with 80-plus vendor and item rows tracking budget, deposit, balance, and final cost. Free walkthrough plus the Essentials Excel template at $19.
How to Plan a Yearly Budget in Google Sheets (6-Step Walkthrough)
How to plan a yearly budget in Google Sheets, step by step. Covers seasonal expenses, irregular income, the 12-month grid layout, and a worked example for a family.
Free Monthly Budget Template for Google Sheets (2026 Edition)
The best free monthly budget templates for Google Sheets in 2026. Includes Google's built-in template, Reddit favorites, and when free runs out of room.