Complete Budget & Sinking Funds Workbook

An 8-tab workbook that runs your whole money system in one place.

What's inside (Excel .xlsx, importable into Google Sheets):

- Dashboard, Transactions, and Setup tabs

- Debt Payoff tab comparing snowball vs avalanche with live formulas

- Bill Tracker, Subscription Tracker, and Net Worth tabs

- Setup Guide walking through every tab

Formulas are protected so the math can't break by accident; type only in the marked input cells. Includes a worked example. Personal use only.