💰 The Too Much Money, Still Broke Budget

2027 12-Month Cash Flow + Debt Payoff + Savings Google Sheets Template (Bonus: Plus the remaining of 2026!)

You make good money. So why does it still feel like you're broke?!

If you’ve ever looked at your bank account and thought, “WHERE THE HELL DID ALL OUR MONEY GO?” — this spreadsheet is for you.

This is the exact type of daily cash-flow tracker I created to help us finally see where our money was going, stay on top of our bills, make extra payments toward debt, AND actually start saving.

Because making more money doesn't automatically mean you'll feel good with money.

You have to tell your money where to go.

✨ WHAT'S INCLUDED

✔️ 12 full months of 2027 budgeting + BONUS the last months of 2026

✔️ Daily running cash balance so you can see what you actually have available

✔️ Paycheck + other income tracking

✔️ Bills & subscription tracking

✔️ Debt minimum payment tracking

✔️ Extra-to-debt tracking so you can see those extra payments add up

✔️ Savings tracking for multiple savings goals

✔️ Grocery & restaurant spending

✔️ Gas & transportation spending

✔️ Customizable spending categories

✔️ Debt Dashboard to track your progress

✔️ Savings Goals Dashboard to see how close you are to your goals

✔️ Debt-free progress percentage

✔️ START HERE guide to help you get set up

💸 WHY THIS IS DIFFERENT FROM A NORMAL BUDGET

Most budgets tell you how much you plan to spend each month.

This one helps you see what is actually happening with your money throughout the month.

You enter your income and spending as it happens, and your running balance helps you see what's available — so you're not wondering where your paycheck disappeared to halfway through the month.

And because we're not just trying to spend less...

We're trying to pay off debt AND build savings.

🏦 DEBT + SAVINGS IN ONE PLACE

Whether you're throwing every extra dollar at your credit cards, building your emergency fund, saving for Christmas, planning a vacation, or trying to do all of the above...

You can track it here.

Watch your debt go DOWN.

Watch your savings go UP.

And finally see where your money is going.

📊 YOU'LL RECEIVE

A Google Sheets template covering January–December 2027 (Plus the last months of 2026 so you can start budgeting NOW), including the Debt Dashboard, Savings Goals Dashboard, and START HERE instructions.

This is a digital product. No physical product will be shipped.

You'll receive instructions for making your own editable copy in Google Sheets.

⚠️ PLEASE NOTE

This is a Google Sheets template and requires access to Google Sheets.

The template is designed to be customized to fit your own income, bills, spending, debt, and savings goals.

Because this is a digital product that is delivered electronically and cannot be returned once accessed, all sales are final and no refunds or returns will be accepted.

Let's stop wondering where the money went.

We make too much money to feel this dang broke. 💰