60/20/15/5 Budget Spreadsheet Template | Excel & Google Sheets
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60/20/15/5 – Stability & Growth Budget (More focus on essentials and financial security)
The 60/20/15/5 Stability & Growth Budget is a simple yet effective way to manage your finances, focusing on essentials while ensuring growth and financial security. This method is ideal for anyone who wants to prioritize long-term financial stability without sacrificing life’s pleasures.
How It Works:
-
60% for Needs:
Prioritize housing, utilities, groceries, healthcare, and other essential expenses. This portion ensures your basic living costs are covered. -
20% for Wants:
Enjoy life with a 20% allocation for entertainment, hobbies, dining out, and luxury items. It allows you to live without overindulgence. -
15% for Savings:
Set aside 15% for future investments, retirement, or an emergency fund. This builds your financial security over time. -
5% for Debt Repayment:
Manage outstanding obligations with 5% dedicated to debt repayment, helping reduce liabilities steadily.
Why It Works:
- Financial Security First: By allocating a large portion to needs and savings, this budget ensures your financial foundation is stable.
- Balanced Enjoyment: With 20% for wants, you can indulge responsibly without overextending yourself financially.
- Simple & Flexible: The clear categories make it easy to track and adjust your spending as needed.
- Future-Proof: With a focus on savings and debt management, this plan supports long-term financial health.
Benefits:
- Easy to Implement: This budget method offers clarity and structure for anyone looking to manage their money better.
- Financial Freedom: It helps reduce debt and build savings for the future.
- Accessible: The 60/20/15/5 Stability & Growth Budget Template is available in Google Sheets and Excel, making it easy to track and adjust on the go.
Start taking control of your finances today with the 60/20/15/5 Stability & Growth Budget Template - your path to financial peace of mind and security.
WHAT’S INCLUDED?
- Step-by-step instructions
- 4 Templates of Spreadsheets
- Sample Google Sheet with Mock Data
- Blank Google Sheet
- Sample Excel with Mock Data
- Blank Excel
- Editable in Google Sheets and Microsoft Excel
- Compatible with MAC, PC, Phones, or Tablets
FEATURES & LIMITATIONS
- Automated Calculations: All totals, charts, and summaries update automatically when data is entered. No manual math required.
- Currency Customization: For all budget and finance-related templates, you can easily change the currency symbol (USD, EUR, GBP, etc.) in just a few clicks.
- Protected Formulas: Certain cells and tabs are locked to prevent accidental deletion of complex formulas, ensuring your template works perfectly. However, no passwords are required—you can easily unlock the sheets if you wish to customize the structure.
- Language: This template is provided in English
- No Macros: We use advanced formulas instead of VBA macros, making the files safer and more compatible across different devices.
HOW IT WORKS & REQUIREMENTS
SYSTEM REQUIREMENTS:
To ensure all features and automated functions work correctly, you will need:
- Microsoft Excel: A subscription to Microsoft 365 (formerly Office 365) is strictly required. Older versions (Excel 2019 or earlier) may not support all formulas.
- Google Sheets: A free Google Account if you prefer using the web-based version.
- Device: A desktop or laptop is highly recommended for the best experience. Mobile devices may have limited editing capabilities.
HOW IT WORKS:
- Purchase and download your files instantly.
- Open the PDF file to access your unique Google Sheets link.
- Open the Excel file directly if using Microsoft 365.
- Follow the setup instructions inside and start planning!
IMPORTANT TO KNOW:
- Compatibility: This template is exclusively designed for Microsoft 365 and Google Sheets. It is not compatible with Numbers (Apple), LibreOffice, or OpenOffice.
- Refund Policy: Due to the instant nature of digital downloads, no refunds or exchanges can be given once the files are downloaded. Please verify your software compatibility before purchase.
- Personal Use Only: Your purchase grants you a single-user license. Re-selling, sharing, or distributing this template in any form is strictly prohibited and protected by copyright law.
DISPLAY & COLOR DISCLAIMER: The visual appearance of the spreadsheet may vary slightly depending on your screen resolution, color settings, and device hardware. For the best experience, we recommend using a desktop or laptop.
NEED HELP? If you have any questions, feel free to reach out to us at spreadsheetshub.office@gmail.com or info@spreadsheetshub.com. You can also contact us on WhatsApp for assistance.
