Special Budget Spreadsheet Credit Card Audit Spreadsheet It is also a great starter budget for kids who don’t need all the features that household budget spreadsheets give you. The special budget spreadsheet allows you to plan this money out without clogging up your normal budget. This could be a lump sum of money you weren’t expecting or money you will use on a vacation that is sitting in savings. Sometimes you want to budget money that doesn’t fit exactly into your monthly budget. Simple Debt Snowball Spreadsheet Special Budget Spreadsheet This sheet does not count interest into the time, but people who get focused on paying off debt tend to find extra money to make their debt go away in about two-thirds the time this spreadsheet lists.
I put together this simple Debt Snowball spreadsheet just so I could list all my debts out, put them in order from largest to smallest, and get a rough estimate of how much time till I was debt-free. For most people, the time it takes to get out of debt is much shorter than they think. When you are drowning in debt, it can feel like the process will last forever.
Check it out if you want something more advanced. PocketSmith, a calendar-based financial planner, is an automated version of this tracker sheet. This gives you a bit of warning so you can shift some money around from a different account and avoid an overdraft.