Personal Finance Bundle — Budget Planner + Debt Payoff Planner + Christmas Gift Budget

Three spreadsheets for getting your own money under control: a monthly budget, a plan to clear your debts, and a holiday budget so December doesn't undo the rest of the year. Bought one by one they come to €22. Together they are €15.

What you get

• Personal Budget Planner: plan vs actual for 12 months across 20 categories, an expense log with 1,000 rows, and savings goals that tell you how much to put aside each month
• Debt Payoff Planner: list up to 12 debts, compare snowball, avalanche and minimum payments only, and see your debt-free date, total interest and a month-by-month schedule
• Christmas Gift & Holiday Budget Planner: 40 people, 150 gifts tracked from idea to wrapped, other costs such as food and travel, and a card list

How it works

1. Open a file in Excel, Google Sheets or LibreOffice
2. Read the Start Here tab, which explains each sheet in a few lines
3. Type in the yellow cells. Everything else is a formula and updates on its own

Every file comes with example data so you can see how it works before you enter your own. Any currency. No macros, no subscription, no sign-up, and nothing is shared with anyone: the numbers stay in your own file.

Each planner is also sold on its own in this store, so check you don't already own one before buying the bundle. These are planning tools, not financial advice.

Built with AI assistance under the direction of the seller; every formula was tested.