First-Year Homeowner Money Kit — Budget, Sinking Funds, Debt & Home Maintenance (Excel + Google Sheets)

Just bought a home? This all-in-one money kit helps you stop drowning in surprise costs — track your monthly budget, save for big repairs (HVAC, roof, taxes) with sinking funds, plan your debt payoff, and never miss home maintenance. All in one simple spreadsheet that works in Google Sheets AND Excel. No design or finance skills needed.

WHAT'S INSIDE (6 easy tabs):

• Start Here — a simple guide + color legend so you know exactly where to type
• - Dashboard — your whole money picture at a glance; it updates itself
• - Monthly Budget — a zero-based budget (every dollar gets a job), planned vs. actual
• - Home Sinking Funds — save monthly for HVAC, roof, appliances, property taxes & insurance
• - Debt & Mortgage — list your debts and see your snowball payoff order automatically
• - Home Maintenance Checklist — seasonal tasks so nothing gets forgotten

WHY YOU'LL LOVE IT:

• Works in Google Sheets (free) AND Microsoft Excel
• - All the math is built in — just type in the yellow cells
• - Reusable every month and year — not a one-time printable
• - Clean, calm design — no clutter, no jargon
• - Instant digital download — start today

HOW TO USE IN GOOGLE SHEETS: Download the file, open Google Drive, click New > File Upload, then right-click the file > Open with > Google Sheets.

This is a digital download — no physical item will be shipped. For personal use. This is a budgeting tool, not financial advice.