The Too Much Money, Still Broke Budget 💰

A 6-Month Cash Flow + Debt Payoff Google Sheets Template

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

If you've ever looked at your bank account and thought, “Where the heck did all of our money go?” — this was made for you.

The Too Much Money, Still Broke Budget is a simple, no-frills Google Sheets budget designed to help you see exactly where your money is going before it disappears.

Instead of only looking at your money month-by-month, this tracker lets you follow your daily cash flow, so you can see what your balance should look like after paychecks, bills, subscriptions, groceries, gas, debt payments, and everyday spending.

And because paying off debt is about more than just making minimum payments, you'll also be able to track your extra payments toward debt and watch your progress on the Debt Dashboard.

💰 WHAT YOU'LL GET

6 months of budgeting:

• August 2026
• September 2026
• October 2026
• November 2026
• December 2026
• January 2027

Your template includes:

✔️ Daily cash-flow tracking — See what your balance should be each day.

✔️ Income tracking — Track paychecks and other income.

✔️ Bill tracking — Keep your monthly bills organized in one place.

✔️ Subscription tracking — Keep those sneaky recurring charges visible.

✔️ Debt payment tracking — Track your required debt payments.

✔️ Extra-to-debt tracking — See how much extra you're putting toward becoming debt-free.

✔️ Grocery, restaurant, gas & other spending — Know where your everyday spending is going.

✔️ Customizable "OPEN" categories — Make the budget work for YOUR family's expenses.

✔️ Debt Dashboard — Track your starting debt, current debt, debt paid, percentage paid off, and extra payments toward debt.

✔️ Debt-free progress message — Watch your dashboard change as you work toward becoming debt-free. 🎉

🧠 WHY THIS IS DIFFERENT

A traditional monthly budget might tell you:

"You have $500 left to spend this month."

But that doesn't tell you whether you can safely spend $200 today when you have a $1,500 bill coming out next week.

This budget helps you look at your money day by day, so you can plan ahead instead of constantly wondering where your next paycheck is going.

The goal?

Know your numbers. Stop guessing. Stay ahead of your bills. Find extra money for debt. And finally feel like your money is working WITH you instead of disappearing on you.

📱 HOW IT WORKS

This is a Google Sheets digital template.

After purchase, you'll receive access to instructions that will direct you to make your own copy of the Google Sheet.

Once you've made your copy, it's yours to customize and use.

You'll need a free Google account to use the template.

🔒 A NOTE ABOUT CUSTOMIZATION

The template is designed to be customized for your household. Rename categories, enter your own numbers, and make it work for your family's unique situation.

⚠️ PLEASE READ BEFORE PURCHASING

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

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.

Please make sure you understand what you're purchasing before completing your order.

If you have questions about the template or need help accessing your purchase, please reach out and I'll be happy to help!

Ready to stop wondering where your money went?

Let's get debt free. 🤍