Budget Planner Printable — The Split, a Money System for Irregular and Multiple Incomes

WHY THIS EXISTS

Most budgeting advice assumes two things about you: that your money arrives on the same day every month, and that the problem is your self-control.

Neither is usually true. Income arrives in pieces now — a salary plus something on the side, or six invoices that land whenever clients get around to it. And the reason you stopped budgeting is not weakness. It is that every system asks you to reconstruct where your money went before it will tell you anything useful. That is homework, and you already know how it ends.

The Split starts from the other end. You do not need to know where your money went. You need three amounts and one ratio.

HOW IT WORKS

Every amount that arrives is divided by percentage into four named streams the moment it lands, before any decision is made:

FIXED — what keeps your life running

JOY — the things you refuse to give up, funded first rather than last

FUNDS — what you are saving toward

PAYOFF — what you are clearing

You set the ratio once, on page three, in about five minutes. Tick one of three presets — steady income, irregular or multi-source income, or paying down debt — or write your own. Multiply four times. Then stop.

That ratio is the system. Every page after it multiplies the same four numbers, so six invoices behave exactly like one salary, and a thin month breaks nothing: percentages are indifferent to the amount, the frequency and the source.

Because JOY is a stream with its own number, you can spend it without negotiating with yourself every time. That is the part most budgets get backwards.

WHAT YOU GET

32 pages, undated, drawn natively in both A4 and US Letter — not one size scaled into the other.

ENTRY

· How the system runs, on one page

· The five-minute split — three amounts, one ratio, the multiplication worked in print beside your own column

· A cut-out split card for your wallet

MONEY IN — built for irregular and multi-source income

· Income sources map: every stream with frequency and reliability

· The deposit log: each payment split the day it arrives, first row worked for you

· The floor: the one number your month has to clear

· Lean month and full month, with the trigger amount that switches between them

· Fixed costs matrix, annualised

LEAKS — money already leaving without a decision

· Subscription audit, 16 lines, each annualised, then keep / pause / cut

· Cancel queue with renewal dates and yearly saving

· Money-leak audit: 12 named leak types, estimated and multiplied by twelve

· The recovery total, then the recovery assignment — recovered money is assigned, not congratulated

PROTECTED — the stream that is not up for debate

· The protected list: what you refuse to give up, costed and ranked

· Cost per use, with three worked examples

· The joy ceiling: a weekly number you may spend without asking anyone

· The trade sheet: add one, drop one, with the difference shown

THE GATE — the spend-side filter

· Five gates before you pay, as a flowchart

· The 14-day lock ledger: log the want, wait, then rule on it

· The want queue: wants ordered and funded instead of refused

· A cut-out gate card for your wallet

PAYOFF — the maths made visible

· Debt inventory

· Avalanche against snowball, the same four debts run both ways on one sheet, with the months and the interest saved shown as a difference bar

· Your payoff order, with roll-forward

· An undated payoff tracker

FUNDS AND BUFFER

· Sinking funds: every goal divided into a monthly number

· A contribution ledger

· The buffer, set in months rather than in a mood

RUN IT

· The dashboard: the whole system on one page — this is the page you reprint

· The monthly reset: nine steps, fifteen minutes, each pointing at the page it needs

TWO SIZES, ONE PURCHASE

· A4 and US Letter, each drawn natively rather than scaled from the other

· Print at home on any printer, or use it on a tablet in GoodNotes or Notability

· Undated, so you start in whichever month you are actually in

There are no lined notes pages, no journal prompts, no reflective questions and no quote pages. Every page asks you to select, calculate or execute.

HOW IT WORKS AFTER YOU BUY

1. Your files are available immediately after payment, under My Purchases, and a download link is emailed to you as well.

2. Both A4 and US Letter are included, along with all three file types.

3. Print at 100% with "fit to page" off, or open it on a tablet in GoodNotes, Notability or any PDF app. Reprint any page, any time. It is undated, so it never expires.

ABOUT VYSICHKA

A small family studio from Kharkiv, Ukraine. Our name comes from an old embroidery technique where tiny holes let light through linen, leaving clean geometry — slow, exact work, counted thread by thread. We make everything in the same spirit: quiet, precise, made by hand. Counted, line by line.

For personal use only. Please do not resell, share or redistribute these files. © Vysichka Studio.