Family Finances Spreadsheet

A way to work out, ‘in a pinch, how much money would we need?’ or ‘if we have more, where should it go?’

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A few things to bear in mind:

  • I am not a financial advisor. This spreadsheet should be used at your discretion and you should only take financial advice from a professional.
  • If you think that your phone bill should be in the house section, then move it. Don’t come at me because you think something should be in a different place. I know you won’t pal.
  • If you’re working out the minimum you need you’ll use it differently than if you’re earning more and looking to save or pay off debts

I do joint budgeting with my husband, so if yours are more separate, this will still be useful, but you’ll need to split parts out in a different way. 

The details

This spreadsheet helps you calculate what you’d need to bring in to get by, and what your ideal budget and income would be, and how you’d use the extra money.

This spreadsheet is primarily for two different things.

– What’s the minimum we could get by on?

– How can I save or pay off debt while still enjoying my life?

I’d like to apologize in advance for anyone who doesn’t have joint finances or a partner, you may still find this useful, but it’s simply the set up I use myself. If the demand is there I can create a single income one too.  

What do you get?

As soon as you purchase, there will be a download available, unzip the file, and it will contain and excel file (which can be uploaded to google drive and opened with google sheets if you don’t have excel) with a video showing how to use it.

You’ll also be emailed the download link.


Why is this only 2 dollars? I don’t want you to think this is crap, it’s not, it’s good, but I’ve not set out to make a load of cash from this right now, I just want to make sure I’ve covered the time I put into it. Will the price change? I don’t know yet, but probably at some point.