BUNDLE 2027 Money Reset - Emergency Fund, Budget, Subscription Audit & Payday Planner Spreadsheets

The 2027 Money Reset Bundle gives you four tools in one download for starting 2027 with your money under control. You get an emergency fund calculator that shows your survival runway, a safe-to-spend calculator for guilt-free daily spending, a subscription audit that finds what to cancel, and a payday budget dashboard that plans every paycheck.

Picture a woman opening her banking app on the first of the month, sure this month will be different, and not sure of a single number in front of her. Under the hope sits a familiar dread: the mid-month squeeze, the end of month surprise, the quiet question of how long she would last if her pay stopped. The problem has a name here: Running Blind. It makes every month a guess and every surprise an emergency. Leave it in charge for another year and the year runs her: spending decided by mood, leaks nobody finds, and a safety net that never gets built because nobody knew what to build it from. So she sits down once and learns her numbers: how many months her savings cover, what she can safely spend today, which subscriptions are wasting money, and what each payday is for. The months after that start the same way, on purpose. She learned control was never about earning more first. It starts with knowing three or four numbers cold.

This is for anyone who wants to walk into 2027 with a real system: an emergency cushion, spending guardrails, no wasted subscriptions, and a paycheck plan. No more hoping it works out.

WHAT'S INSIDE: THE 4 TOOLS

1. Emergency Fund Runway: How many months could you survive? Enter savings + monthly essentials. Get your runway in months, funded-by dates for 3/6/9-month targets, and job-loss stress tests.
2. Safe-to-Spend Paycheck: How much can you safely spend today? Take balance minus bills due before payday minus a buffer. See your spendable number today + safe daily spend. Includes a quick-start guide.
3. Subscription Audit: Rank every subscription by Waste Score (0–100). Find what to cancel first and get exact annual savings. Includes a Cancel Scripts playbook and quick-start guide.
4. Payday Budget Dashboard: Run every payday on a plan. Allocate each paycheck across bills, savings, and spending before the money moves. Includes a quick-start PDF.

HOW THE FOUR WORK AS A TEAM

January: the Subscription Audit finds the money you're leaking and the Impulse-era waste gets cancelled. Safe-to-Spend tells you what's actually spendable day to day. The Emergency Fund calculator turns the savings into a runway target with a funded-by date. The Payday Dashboard runs the whole system every two weeks. One reset, four lenses, all of 2027.

EASY TO START: NO SPREADSHEET EXPERTISE NEEDED

Everything you touch is a cream-colored cell. Type over the sample numbers, follow each workbook's Start-Here tab, and the plans build themselves.

YOUR FIRST 60 SECONDS
- Google Sheets: File → Make a copy, then type your numbers into the cream cells.
- Excel: click Enable Editing, then type your numbers into the cream cells.

COMPATIBILITY

Every workbook in this bundle passed a live Google Sheets import test and a real Excel review before its individual launch. The files you download are the exact launched versions.

WHAT YOU GET: INSTANT DOWNLOAD (1 ZIP)
- emergency-fund-runway-calculator.xlsx
- safe-to-spend-paycheck-calculator.xlsx + README
- subscription-audit-calculator.xlsx + README
- payday-budget-dashboard.xlsx + QUICK_START.pdf + README
- Bundle README with the full contents guide

TRY BEFORE YOU BUY: LIVE VIEW-ONLY DEMOS
- Emergency Fund Runway: https://docs.google.com/spreadsheets/d/1vgh_UPuvLdrzy7ZS1CSR9IRwF1fcjRKW/edit?usp=sharing
- Safe-to-Spend Paycheck: https://docs.google.com/spreadsheets/d/1ZCyWO9mvotzdJQXSUMGtFjARjYkTiceF/edit?usp=sharing&ouid=11040
- Subscription Audit: https://docs.google.com/spreadsheets/d/1XeUC8f_Su3Ftdy0Eeeg73eWworZd3WG6FMwcIw8A-r4/edit?usp=sharing
- Payday Budget Dashboard: https://drive.google.com/file/d/19mZtSB01ciOyu0FAzHn_wCFqs0nxDFT3/view?usp=sharing

PLEASE NOTE
- These are educational planning tools, not financial, tax, or legal advice.
- Digital product. No physical item will be shipped. All sales final on digital downloads.

Built by the Kollaz studio. Smart financial tools for modern money.

Q&A

Q: Why "2027"? Do the tools expire?
A: Nothing expires. The tools work for any year. The bundle is timed for new-year planning season, when a full money reset pays off most.

Q: I get paid monthly, not biweekly. Does the payday dashboard still work?
A: Yes. It allocates any pay cycle. Enter your pay dates and amounts; the plan builds around them.

Q: How much can the subscription audit really save me?
A: It ranks every subscription by Waste Score and shows exact annual savings per cancellation. Most people find at least one forgotten subscription in the first pass.

Q: Excel or Google Sheets: which is better for these?
A: Both work. The workbooks were tested live in Google Sheets and reviewed in real Excel. Use whichever you already have.

Q: Is this a physical planner that ships to me?
A: No. This is a digital download. One ZIP with four Excel workbooks (also open in Google Sheets), available instantly after checkout.

Q: How do I get the files after buying?
A: Instant download: one ZIP file appears on your Etsy order page right after checkout, plus a download link by email.