Description

The EPC Annual Budget Spreadsheet + is the ULTIMATE Budget Spreadsheet for all your financial planning needs! From tracking your daily spending to savings and debt to prioritizing your expenditures to help you save more money!

Here’s what the Annual Budget Spreadsheet + offers:

✅ EASY TO USE – Includes a setup guide tab with detailed user instructions, plus Budget Planner and a Transaction Tracker (log) Tab synced to monthly, annual, debt snowball, savings goal, and investment goal tabs.

✅ ANY CURRENCY USE – Set your currency preference & it auto-updates across all the template sections.

✅ START ANY MONTH – Start your budgeting journey any month of the year with sheets synced to match your starting month.

✅ FINANCIAL GOALS – Automated Savings and Investments goal tabs for tracking your progress. It also includes monthly goals and to-do list sections to help you stay focused and accountable.

✅ BILL CALENDAR – Smart Calendar synced to your monthly bills, debt, and subscriptions.

✅ BILLS, EXPENSES, DEBT, SAVINGS (SINKING FUNDS) TRACKERS – You have a monthly overview of your budgeted amounts and how much you earn and spend on bills, debt payments, and expenses, and send to your savings accounts.

✅ NET WORTH TRACKER – Stay up-to-date about your monthly and overall financial position. The spreadsheet includes a Net Worth Tab with automated calculations of how far you are to achieving your net worth goal.

✅ YEARLY FINANCIAL VIEW – Automated annual overview with charts. It shows you your annual cash flows and charts for quick access to all your financial information.

✅ DEBT PAYOFF WORKSHEET – Looking to get out of debt? The Debt Payoff Worksheet allows you to choose your preferred debt payoff strategy. It includes both the Debt Snowball and Debt Avalanche strategies that automatically organize your debt based on your chosen method, showing you what debts to focus on and possible payoff dates.

✅ PRIORITY WORKSHEET – Need to save more and don’t know how? Use the Priority Worksheet to identify the most important and not-so-important spending.

✅ DATE PICKER – Simply double-click on cells for dates and pick the correct transaction date from the pop-up calendar.

✅ GOOGLE SHEETS COMPATIBLE – Designed for working specifically with Google Sheets. You just need a Google Account.

✅ INSTANT ACCESS – Instant access after buying. You will receive a PDF with instructions to access and download the template.

✅ SUPPORT – Have any questions or need help after your purchase? Send us a message at info@enidkathambi.com, and we’ll respond as soon as possible.

FAQ

What Debt Strategy is Best?

The Annual Budget Spreadsheet + provides you with two options to choose from; Debt Snowball Worksheet and Debt Avalanche Worksheet. Both are great debt pay-off strategies. The best choice will ultimately depend on your financial goals and current financial situation.

Debt Snowball allows you to plan debt pay-off starting with loans that have the lowest principal balance. With this, you channel extra funds to that debt while paying the minimum repayment for other debts. The effects of this are slow, but once you get rid of one debt, you will start feeling the effects. Plus, the instant gratification of paying off a loan. Thus, it’s an ideal strategy if you’re struggling financially, you want to feel instant results and have more motivation to keep working toward debt pay-off.

The Debt Avalanche method, on the other hand, works on clearing debts with high interest first. With this, you channel extra funds to that debt while paying the minimum repayment for other debts. This is an ideal strategy when you want to save money in the long run. Remember that high interest rates lead to very expensive credit, especially when you hold that credit for a long time.

Ready to learn more about debt management? Check out more articles on this!

How Can I Save More Money to Payoff-Debt or Increase My Savings?

That’s where the Priority Worksheet comes in handy! It has the Bills, Expenses, and Subscription categories already populated for you. All you have to do is log your actual transactions in the Transactions Tracker, then head over to the Priority Worksheet and choose the priority level of each Bill or Expense. The amounts will be auto-populated based on the actual amounts you logged in the Transactions Tracker. With this, you are able to see how much you spend on each priority level. It will also show you how much you can save if you cut off some items, e.g., any bills/subscriptions and expenses you label as Not Important.

IMPORTANT!

• If you do not see an email with the PDF, please check your Spam folder
• CURRENCY – Uses any currency. Just set up your currency in the Set Up Tab
• USE – This spreadsheet is made specifically for Google Sheets and does not work with Excel
• DOWNLOAD ONLY – The template is a digital download with instant access upon payment. Upon purchase, you will receive a PDF file with a link to access the spreadsheet. No physical product will be shipped.
• REFUNDS – Refunds do not apply to digital downloads with instant access to the product upon purchase. For further information, please refer to our T&C and Shipping & Returns Policy.
• COLOURS – Colours used in the template may vary slightly based on individual devices used due to different colour calibrations on one’s device.
• COPYRIGHT – This planner is for Personal Use Only, not commercial purposes. No part of it can be sold, distributed, reproduced, duplicated, or sold in any form without the written consent of Every Penny Counts Consultancy.