Fifteen pages. One folder. No subscription, no nothing.

Budget Tracker

Plan monthly income, fixed bills, and variable spend on one printable page.

Bill Tracker

Track every recurring bill — rent, utilities, subscriptions — with due dates and paid status.

Savings Tracker

Set and watch your savings goals grow month over month.

Subscription Audit

Audit recurring subscriptions by monthly cost, mark Keep, Cut, or Try, add notes, and total the monthly amounts you keep or cut.

Debt Payoff Tracker

Map balances, interest rates, and minimums to a clear payoff plan.

Debt Snowball / Avalanche Planner

Choose snowball or avalanche, then write payoff order, debt name, current balance, minimum payment, and interest rate across eight rows, plus total debt, monthly payment total, and projected debt-free date.

Debt Payoff Progress Tracker

Page 12: name eight debts, note balances, APRs, and minimums, then record monthly payments, paid-to-date progress, and checkpoint dates.

Debt Payoff Roll-Down

Page 14 and the closing worksheet: list eight debts, then log each payment and watch balances roll down month by month.

Sinking Fund Tracker

Set aside money ahead for planned expenses — holidays, repairs, big purchases.

Monthly Spending by Category

Summarize the month on one page — Housing / Food / Transport / Subscriptions / Savings / Other, Budgeted vs Actual, with a quiet monthly total bar at the bottom.

Bill-Splitting Worksheet

Make shared bills easier to assign, settle, and keep in view.

12-Month Savings & Goal Tracker

Page 11: write the goal name at the top, then use Jan–Dec columns for goal amount, deposit, and running total.

Yearly Budget Overview

Page 13: see the whole year at a glance — income, bills, spending, savings, and what’s left.

Monthly Money Reflection

Page 15: close the month with three gentle prompts — what worked, what did not, and where next month can change — with generous writing space.