This simple but powerful Excel tool is the exact budgeting system I used on my own journey to becoming debt free. It helped me see, month by month, where my money was actually going – my income, expenses, investments, and liabilities – and gave me the clarity I needed to take back control of my financial life.
This spreadsheet helps you track your full financial picture in one place so you can understand your cash flow, identify leaks, and make intentional decisions that move you toward freedom. Every dollar has a purpose, and this tool shows you exactly where each one is working for (or against) you.
A “How to Use This Tool” tab is included inside the spreadsheet so you can start right away, even if budgeting feels new or overwhelming.
Use it as often as you want, adapt it to your situation, and let it support your transformation – the same way it supported mine.
