I built a household cash book in Excel/Sheets because every “budget template” I tried was an emp

Most “budget templates” are a grid with nice fonts.This one keeps a year of household money in one file.• Budget with 12 months of Planned vs Actual• Transaction register that feeds those actuals• Debt snowball (minimums + extra to the smallest balance)• Sinking funds with months-to-target• Net Worth snapshot• Dashboard you open on paydayExcel and Google Sheets. Yellow / blue cells are inputs. Black cells calculate.Personal use. Not tax or investment advice.