Plan every pound, track what you really spend, and build a cushion for the future
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Most households have a rough idea of what comes in and what goes out – but the irregular bills, the 'little' spends and the months when everything lands at once are what cause the stress. This workbook gives you a complete picture of your money for a whole year. It works out your take-home pay, lists everything you plan to spend and save, places each bill in the month it's actually paid, and then compares your real spending against the plan with simple traffic lights. Alongside that it checks the balance between needs, wants and savings, tells you how much to put aside each month for annual bills, tracks your emergency fund and savings goals, and audits your subscriptions.
See how it works
The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.
Step 1
Take-home pay calculation, Child Benefit and charge, other income, and total income month by month. What you do: enter each earner's details and any other income.
Step 2
Every category with its amount, frequency, monthly equivalent and the amount that falls in each month. What you do: enter amounts, frequencies, months paid and Need/Want/Saving.
Step 3
Your actual spending, one line per transaction (1,500 rows). What you do: add your spending as you go.
Step 4
The log added up by category and by group for each month. What you do: nothing to enter.
Who it is for
Quick start
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Checkout takes a minute and you get a receipt by email.
Your download link arrives as soon as payment clears.
We can adapt any prebuilt solution or build something bespoke, with a lifetime bug-free guarantee.
Part of AML Finance Group
Our sister firm, AML Accountancy Solutions, is an award-winning accountancy practice helping businesses and individuals across the UK with their accounts, tax, bookkeeping and payroll.
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