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Spreadsheet Budget, Zero-Based Budget, Debt Snowball Calculator, Personal Finance Bundle, Excel Download

YourFrugalFriend

Designed by YourFrugalFriend

YourFrugalFriend ·

Wichita, Kansas

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Star Seller. This seller consistently earned 5-star reviews, shipped on time, and replied quickly to any messages they received.

Highlights

  • Designed by YourFrugalFriend
  • Digital download
  • Digital file type(s): 1 PDF, 2 other files

This zero-based spreadsheet budget and debt snowball spreadsheet template bundle is a fun and simple way meet your goals! The zero-based budget method makes every dollar work for you. By giving every dollar a place, you will be able to use the budget to pay down more debt and save more than those who do not use this method!

The debt snowball method allows you to monitor the pay down of each debt. Once a debt is paid off, that payment is "snowballed" into the remaining payments. The debt snowball calculator is the best way to track and pay down your debt!

These are perfect tools for those following Dave Ramsey's Total Money Makeover, or for anyone wanting to visualize their monthly and annual budgeting!


➤ The budget spreadsheet workbook has 14 worksheets, a summary tab, 12 months of budget tabs, and a password tracker tab.

➤ First, download your bank statement. Second, categorize your expenses. Third, put this information into the budget and make every dollar work for you!

➤ Sumif formulas are included on the summary page of the monthly budget to automatically update the charts with your expense category needs!

➤ The debt snowball calculator has columns for up to 16 debts and will monitor 10 years of debt repayment. Simply list your debt name, the minimum payment, and the interest rate in order to have the length of time it will take to repay your debts calculated for you! List your debts in order of smallest debt to largest.

➤ A basic understanding of Excel is necessary to use these tools.

➤ Instructional video I made on how to use the annual budget spreadsheet can be found here: https://youtu.be/0tU-m_0HOSg

➤ The mega bundle for this item can be found here: https://www.etsy.com/listing/747894505/monthly-budget-spreadsheet-finance



These spreadsheets were created in Microsoft Excel and Google Sheets. I created these spreadsheets years ago and have used them to pay off $70,000 of debt and counting. It has been an invaluable tool on my debt repayment journey! I currently use them in Google Sheets so that I can use them on the go on my phone.


Easy to use instructions are included. The instructions for the budget are delivered to you as a PDF document and the instructions for the debt snowball calculator are found on the second tab of the spreadsheet.


INSTANT DOWNLOAD: This is a digital product. No physical product will be sent.

PLEASE NOTE: This item is an .xlsx format file.

Once payment is complete the digital files (3 - 2 xlsx files and 1 pdf file) will be available for download in your account and an email will be sent to your Etsy registered email.

The pictures of the printed product give you an indication of how it looks used.

2 Workbooks (14 worksheets/tabs - Zero-Based Budget Template) and (2 worksheets/tabs - Debt Snowball Calculator and Instructions)
1 PDF (Zero -based Budget Guide)

Use visualization to achieve your goals!


➤ If you have any questions about this item, just hit the "message seller" button and I will get right back to you!

➤ Visit my shop for other goal solutions: http://etsy.com/shop/YourFrugalFriend

➤ Sign up on my email list for 15% off: https://yourfrugalfriend.ck.page


*Note: this item is not for commercial use. Do not resell or redistribute*

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Reviews for this item

5.0

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience.

(6 reviews)

5.0 Item quality
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100% Buyers recommend
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5 out of 5 stars 5 This item

Etsy buyer May 27, 2024

This excel budget planner is awesome! I have been using a zero-based budget for years, but dislike writing it out each month. I was able to customize this budget to my expenses, and I created a budget in about 15 minutes. She also has a YouTube video on how to use this excel spreadsheet if you are more of a visual learner.

Etsy buyer May 27, 2024

5 out of 5 stars 5 This item

Chloe Feb 15, 2021

So helpful! Well made and useful to help me organize my credit card payoff plan

Chloe Feb 15, 2021

5 out of 5 stars 5 This item

Dana Oct 26, 2020

Just what I needed to handle my budget

Dana Oct 26, 2020

5 out of 5 stars 5 This item

Meg Mar 2, 2023

Meg Mar 2, 2023

YourFrugalFriend
YourFrugalFriend ·

Wichita, Kansas

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 4.9
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33.9k sales
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7 years on Etsy
Sasha
1 shop member

Typically responds within a few hours

Typically responds within a few hours

Smooth shipping Has a history of shipping on time with tracking.

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Rave reviews Average review rating is 4.8 or higher.

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Listed on Jun 24, 2026