[EN] Intentional Spending System

The Intentional Spending System is a beginner-friendly Excel workbook designed to help you bring clarity to your personal finances without complicated accounting.

Instead of only tracking expenses, this workbook helps you understand whether your spending matches your priorities.

Using the simple 50/30/20 budgeting method, your money is organized into:

• Needs — essential expenses such as rent, groceries, bills, transport, and insurance.
• Wants — lifestyle spending such as eating out, subscriptions, shopping, travel, and entertainment.
• Savings & Investments — emergency fund, investing, debt repayment, and long-term money goals.

Inside the workbook, you will find:

• Start Here guide
• Setup page for income and budget targets
• Spending tracker
• Editable categories
• Dashboard summary
• Budget vs actual view
• Monthly review section
• Reset guide for reuse

This product is designed for people who want a simple and practical way to see their money clearly, reduce random spending, and make better monthly decisions.

Best for:

• Beginners who want to start budgeting
• People who feel their money disappears every month
• Freelancers, students, workers, and small household budgeters
• Anyone who wants a simple money clarity system without complicated finance tools

File included:

• Excel workbook .xlsx

Requirements:

You need Microsoft Excel, Google Sheets, LibreOffice Calc, or another spreadsheet app that can open .xlsx files. Some formatting may look best in Microsoft Excel.

Important Note:

This product is for personal budgeting and educational purposes only. It is not financial, investment, tax, or legal advice.