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First-Year Homeowner Budget Spreadsheet | Sinking Funds, Debt Payoff (Excel, Google Sheets)

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Highlights

  • Designed by KitAndQuillCo
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 File

Owning your first home is exciting — until the surprise bills show up. Property taxes, a dying water heater, the HVAC that quits in July. This kit was built so those moments never wreck your budget again.

The First-Year Homeowner Money Kit gives you 6 easy tabs in one file:

- Start Here — a simple guide and color legend so you know exactly where to type.
- Dashboard — one glance shows your whole money picture; it updates itself.
- Monthly Budget — a zero-based budget (every dollar gets a job), planned vs. actual.
- Home Sinking Funds — save a little each month for HVAC, roof, appliances, property taxes and insurance, so big costs never become emergencies.
- Debt & Mortgage — list your debts and see your snowball payoff order automatically.
- Home Maintenance Checklist — seasonal tasks so nothing gets forgotten.

WHY YOU'LL LOVE IT
- Works in Google Sheets (free) AND Microsoft Excel
- All the math is built in — just type in the highlighted cells
- Reusable every month and year — not a one-time printable
- Clean, calm design — no clutter, no jargon
- Instant digital download

WHAT YOU GET (instant download)
- 1 Excel file (.xlsx) with all 6 tabs
- Works in Google Sheets — upload to Google Drive and open
- Pre-filled example numbers to show you how — just type over them

HOW TO USE IN GOOGLE SHEETS: Download the file, go to Google Drive, New, File Upload, then right-click, Open with, Google Sheets.

This is a digital download — nothing is shipped. For personal use. This is a budgeting tool, not financial advice.

📘 Want the how-to behind this spreadsheet? Read the companion ebook “Your Home, Your Money: A First-Year Playbook” on Amazon Kindle.

Made with care by Kit & Quill.

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Listed on Jul 25, 2026
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