Freelancer Money System Bundle, 1099 Bookkeeping, Irregular Income Budget, Creator Brand Deal Tracker Spreadsheets

Seller's description

### What it is
One bundle, three spreadsheets, for freelancers, gig workers and creators whose pay changes month to month. Bookkeeping and quarterly tax, a buffer for uneven pay, and creator income plus brand-deal tracking — in three separate Excel files, so you can use one, two, or all three.

### Who it is for
Freelancers, gig workers and creators who need to track what they earned, what they spent, what is still unpaid, and what to set aside for tax — without piecing it together from separate notes.

### Exactly what you receive (instant download, 1 ZIP file)
- `1099-Bookkeeping-Tracker.xlsx` — Income and expense logs with editable categories, profit-and-loss dashboard, quarterly tax estimator with an editable set-aside percentage, mileage log, Start Here tab and worked example.
- `Irregular-Income-Freelancer-Budget.xlsx` — 12-month income history with average and income-floor calculation, buffer target and lean-month draw planner, steady pay-yourself calculator, bill calendar mapped to paydays, quarterly tax tab on gross income, Start Here tab, 3-month quick-start mode and worked example.
- `Content-Creator-Income-Brand-Deal-Tracker.xlsx` — Income by stream, platform and month dashboards, brand-deal pipeline (contract value, deposit, deliverables, due date, paid or pending, balance outstanding calculated automatically), expense categories for gear, software and editors with business-use % and deductible amount, tax estimator with editable percentages, 1099-NEC payer tracker, Start Here tab and worked example.
- `guide.md` — One combined buyer guide explaining how to open all three files, how to check each worked example before entering your own data, and how to use the three files together. The three files do not sync with each other; you type the figures you need in each file.

### Formats and compatibility
Excel (.xlsx) files, importable into Google Sheets via File > Import (a free Google account is required; the buyer guide explains the steps). There is no native Google Sheets copy link for this bundle. No macros. No bank sync and no platform sync. Use a computer for setup, not only the Etsy app.

### How it works after purchase
1. Buy the listing and download instantly from Etsy.
2. Open the combined buyer guide first — it tells you which file to open and which cells to type in.
3. Check each file's Worked Example tab first, to confirm the file is calculating correctly, then clear only the yellow sample values and enter your own data in yellow cells. Calculated cells are grey — do not overwrite them.
4. Save your own working copy of each file. Your master download stays unchanged if you need to start again.

### What it is NOT
It is not tax, financial or accounting advice, it does not file taxes, it does not sync with a bank or with YouTube, TikTok or Instagram, it does not collect brand payments, and it does not predict future income. Tax percentages, quarterly due dates and the mileage rate are editable inputs you must check. The Budget file's quarterly tax estimate is on gross income and does not track deductible business expenses; the Bookkeeping and Creator files estimate a set-aside on net profit after deductible expenses — do not add the three estimates together as one tax bill. It does not include a UGC rate-card / pricing calculator tab. It does not include a single combined workbook — you receive three separate workbooks.

### A note on the saving
Buying the three files separately at their live prices costs $44.11 in total ($13.13 + $17.99 + $12.99). This bundle at $34.99 saves $9.12 against that total. The bundle price is the price for this listing only; it does not change the prices of the three single listings.

## FAQ
**Q: Do I get one spreadsheet or three?**
A: Three separate Excel (.xlsx) files, plus one combined guide, in one ZIP download. Each file keeps its own tabs and worked example.

**Q: Does it work in Google Sheets and Excel?**
A: Yes. You get Excel (.xlsx) files that import into Google Sheets via File > Import, as explained in the guide. There is no native Google Sheets copy link for this bundle.

**Q: Is this tax advice?**
A: No. It is a tracking, budgeting and estimating tool only. Check your figures with a qualified professional before filing.

**Q: Do the three files sync with each other?**
A: No. You type the figures you need in each file, and each file calculates its own totals.