Four pages that answer “where did it actually go?”
Budgeting apps fail for the same reason gym memberships do — they make it easy to not look. Writing it by hand is slower, and that is the point.
Monthly Budget Overview — list income by source, then total income, total expenses, and net savings on one line each. One page, one number that matters.
Expense Tracker — date, category, amount, notes. Ruled rows, no pre-set categories, so it works whether your spending splits into five buckets or fifteen.
Savings Goals — goal, target amount, current amount, deadline. Enough to see whether the gap is closing.
Debt Payoff Tracker — debt name, balance, payment, and an interest-rate column. That last column is the one most trackers leave out, and it is the one that tells you which debt to attack first.
What you get
- 5-page PDF, instant download after checkout
- Prints on standard US Letter, black and white — no colour ink, no bleed
- Reprint the tracker pages every month; the goal pages once a year
What this is not
Not a spreadsheet and not an app — nothing calculates itself. These are printed lines, not fillable form fields, so you print and write by hand.
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