2027 Family Money Reset Workbook

Start 2027 with a plan that covers every bill: a 2026 look-back, an annual budget that converts weekly-to-annual costs, sinking funds, a subscription audit, snowball vs. avalanche debt order with payoff months and a net worth snapshot.

What's inside the PDF (13 chapters): How to Use This Workbook; Step 1: Look Back at 2026; Step 2: Map Your 2027 Income; Step 3: Plan Every Bill, Whatever Its Frequency; Step 4: Sinking Funds for Irregular Bills; Step 5: Subscription Audit; Step 6: Debt Payoff: Snowball or Avalanche; Step 7: Net Worth Snapshot; Step 8: Emergency Fund and Protection; Step 9: Kids and Money; Step 10: The Monthly Money Date; Step 11: 2027 Goals; Notes.

Companion spreadsheet (.xlsx) tabs: Instructions, Settings, 2027 Budget, Summary, Subscriptions, Debts, Net Worth, 2026 Look Back. Calculated automatically: Annual Cost, Monthly Equivalent plus summary KPIs and a chart. Includes an Instructions tab, drop-down lists, yellow input cells and example rows labeled EXAMPLE so you can delete them and start. Works in Excel, Google Sheets and LibreOffice.

Instant digital download - nothing is shipped. Planning tool and general education - not financial, tax or investment advice.

Created with AI assistance and reviewed by the seller.