Digital Budget Planner, Undated Monthly Finance Pages, Bill Tracker, Sinking Funds, Debt Payoff

Budget, track, save and pay off debt with a calm, undated digital budget planner. Four pages for every month plus savings, debt, bill and planning pages, all hyperlinked: tap the month tabs, section tabs or anything in the index to jump straight there.

WHAT'S INSIDE (92 pages)

- Cover with a quick how-to and a hyperlinked index
- Year at a glance
- 12 undated months with 4 pages each (48 monthly pages): bill calendar, monthly budget, expenses and a monthly review
- Monthly budget: summary (income, bills, savings, debt, spending), income planned vs actual, fixed bills with due dates and tick boxes, variable spending in 11 categories (budget vs actual), savings and debt
- Savings: 4 savings goals, 12 sinking funds, emergency fund, 52-week savings challenge, no-spend challenge, savings accounts
- Debt: debt overview (snowball or avalanche), 4 debt payoff trackers, extra payment plan, credit card log, debt-free countdown
- Bills: yearly bill tracker, subscriptions, annual expenses, 4 paycheck planners, bill payment log
- Plan: financial goals, year overview, net worth tracker, income tracker, purchase planner, money notes

HOW IT WORKS
1. After purchase, download the PDF from your Etsy account (Purchases and reviews).
2. Open it in a PDF annotation app that supports hyperlinks, on a tablet or computer.
3. Tap the tabs to move around and write with your stylus or keyboard. Duplicate any page you need more of.

GOOD TO KNOW
- Landscape two-page spread layout, one single PDF file
- Undated, so you can start any month. Works with any currency
- This is a planning tool, not financial advice
- Handwriting and numbers in the listing photos are only examples. Your planner pages come blank
- This is a digital product. No physical item will be shipped. App, device and stylus are not included
- For personal use only. Please do not share or resell
- Because this is a digital download, returns are not accepted. If you have any problem, message me and I will be happy to help