Zero-Based Budgeting Toolkit

This 5-spreadsheet bundle is designed for anyone who wants to manage their money with purpose. Built around the zero - based budgeting method, it helps you assign every dollar a job - whether it's spending, saving, or paying off debt. If you're tired of wondering where your money goes each month, this toolkit is your solution.

What’s Inside (5 Ready-to-Use Spreadsheets):

• Annual Zero-Based Budgeting Spreadsheet
  Plan your entire year at a glance by organizing income and expenses month by month. Perfect for spotting patterns and setting annual goals.
  
• Zero-Based Budget Spreadsheet
  A monthly budgeting tool that lets you give every dollar a purpose, ensuring nothing is left untracked or unplanned.
  
• Monthly Budget Spreadsheet
  A simple, clear format to track income, expenses, and savings  -  ideal if you prefer a traditional monthly overview.
  
• Sinking Funds Tracker
  Create targeted savings categories for future expenses like holidays, gifts, or big purchases, and track your progress.
  
• Ultimate Personal Finance Tracker (Rainbow Theme)
  A colorful, all-in-one dashboard to track income, expenses, savings, and more  -  ideal for visual learners and creative minds.

Key Features:

• Based on zero-based budgeting principles
  
• Annual and monthly tracking in one toolkit
  
• Easy-to-use, no formulas needed
  
• Perfect for budgeting beginners or pros
  
• Works in both Excel and Google Sheets
  
• Clean layouts with helpful instructions

Whether you're budgeting for the first time or refining your financial routine, this toolkit brings structure, clarity, and confidence to your money management.

WHAT’S INCLUDED?

- Step-by-step instructions 
- 20 Templates of Spreadsheets
- 5 Sample Google Sheet with Mock Data
- 5 Blank Google Sheet
- 5 Sample Excel with Mock Data
- 5 Blank Excel
- Editable in Google Sheets and Microsoft Excel
- Compatible with MAC, PC, Phones, or Tablets