BlueCollar_Budget_Toolkit

Sheet 1: 💰 Payday Budget

• Income rows built for real-world pay: regular wages, overtime, tips, cash, side hustles
• Expense categories that matter: work boots, tools, union dues, fuel, truck maintenance, child care
• Two paycheck columns (1st and 15th) + other income
• Auto-calculates monthly totals and "Money Left Over" summary

Sheet 2: 💳 Debt Payoff Tracker

• Enter up to 10 debts (cards, car loans, medical bills, payday loans)
• Auto-calculates months to pay off and total interest using Excel's NPER formula
• Flags both the 🔥 Avalanche Target (highest interest = saves most money) and ⛄ Snowball Target (smallest balance = fastest win)

Sheet 3: 🏦 Savings Goal Tracker

• 12 goals with green progress data bars that fill as you save
• Real-world goals: emergency fund, car repair fund, Christmas, work gear, down payment
• Auto-estimates a target date based on your savings-per-paycheck amount

AI set up guide included for automating budgets