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Fixed Income Budget & Bill Tracker – Minimalist Money Planner (PDF)

Price:$3.49

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Highlights

Budgeting on a fixed or tight income is its own kind of hard. This calm, minimalist Budget & Bill Tracker is made for real life on disability benefits, pensions, part-time work, or any income that doesn't stretch far. It's clear and uncluttered, with no judgment.

Every amount has a job, no bill slips through, and small wins are easy to see.

WHAT'S INCLUDED (12 pages):
- Cover with contents
- Annual Overview: income, bills, spending, saved, debt paid and left over for all 12 months, plus yearly goals and important dates (benefit reviews, renewals, taxes)
- Monthly Budget: income vs. expected, fixed bills, everyday spending, savings and debt (budget vs. actual), plus an end-of-month check-in
- Bill Payment Tracker: each bill once with due day, amount, autopay, and a tick box for every month of the year
- Expense Log: date, what/where, category, paid with, need or want, amount and monthly total
- Subscription Tracker: cost, monthly/yearly, renewal, free-trial end date, keep/pause/cancel decision, plus monthly and yearly totals
- Benefits & Income Tracker: 4 income-source cards (amount, pay day, case/ref #, next review) and a payment log with expected vs. received
- Savings Goals: 4 goals with progress bars and deposit logs
- Debt Payoff Tracker: debt list, snowball / avalanche / hardship-plan strategy, debt-free progress bar and payment log
- Sinking Funds: 6 funds for known costs (medical, equipment, gifts, vet...) with monthly tick boxes
- No-Spend Challenge: 30-day tracker, what's still okay to spend on, money saved, reflections
- Money Contacts & Notes: who to call about bills and benefits, help programs to look into, and call notes

YOU'LL RECEIVE (one ZIP download):
- US Letter print PDF (8.5 x 11 in)
- US Letter fillable PDF (clickable fields + tick boxes)
- A4 print PDF (210 x 297 mm)
- A4 fillable PDF
- How_To_Use.txt with printing and filling tips

HOW IT WORKS:
1. Purchase and download the ZIP from your Etsy account (Purchases & Reviews), then unzip it.
2. To print: open a Print PDF and print at home or at a print shop at 100% / actual size. Print as many copies as you need for your own use.
3. To fill in digitally: open a Fillable PDF in the free Adobe Acrobat Reader on your computer, tablet or phone. Type into the fields, tick the boxes, and save.

GOOD TO KNOW:
- Instant digital download. No physical item will be shipped.
- Colors may look slightly different depending on your screen and printer.
- For personal use only. Please don't share, resell or redistribute the files.
- No currency symbols, so it works in any currency.
- Clean sage & neutral design on white pages.

This planner is an organizing tool, not financial, legal or benefits advice.
Designed by me with the help of AI tools.

Instant Download

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Listed on Oct 5, 2026
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