Budget Kit · 28 Pages + Spreadsheet · Instant Download

Money Reset Budget Kit

Know where it goes. Decide where it goes next.

Two files that do different jobs. A calm planner PDF for the thinking: what money is for, what you owe, what renews, and one change each month. And a spreadsheet for the arithmetic: type each purchase once and every total works itself out.

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Undated, start any month · Spreadsheet opens in Excel, Google Sheets and Numbers · Personal use

Pages from the file you download

Shown from the US Letter edition. The A4 edition has the same pages.

  1. Cover of the SagaLeaf Money Reset Budget Kit PDF
    Page 1 of 28
  2. Where you are today: what you have, what you owe, and how you feel about money
    Page 4 of 28
  3. Debt plan: every debt with its balance, rate, minimum payment and payoff order
    Page 8 of 28
  4. Savings goals with ten squares to shade as each goal fills up
    Page 9 of 28
  5. Monthly page: income, plan versus actual for fourteen categories, and one thing to adjust
    Page 12 of 28

What's in the PDF

28 pages in five hyperlinked sections.

  1. 1–3
    Cover, how the kit works, contentsTwo files, two jobs: the spreadsheet does the maths, the PDF does the thinking.
  2. 4–11
    PlanWhere you are today, what money is for, income and fixed bills, a subscriptions audit, a debt plan, savings goals, sinking funds, and your monthly budget.
  3. 12–23
    Twelve monthly pagesIncome, plan versus actual for all fourteen categories, what you want this month, and one thing to adjust.
  4. 24–26
    TrackA two-page spending log for weeks away from the spreadsheet, and thirty no-spend days.
  5. 27–28
    Year review and notesTotals from the spreadsheet, wins, and what you will do next year.

What's in the spreadsheet

Seven sheets. White cells are for typing; everything shaded is a formula.

  1. 1
    SetupYour income and a planned amount for each of fourteen categories. Rename any of them.
  2. 2
    TransactionsThe only typing: date, what, category (a dropdown), amount. The month works itself out.
  3. 3
    MonthlyWhat you spent in each category every month, and what is left of the plan. Overspent months are shaded.
  4. 4
    YearTotal income, total spent, what you kept and your savings rate.
  5. 5
    Savings goalsLog each contribution; the total, percentage and a ten-square bar update themselves.
  6. 6
    DebtsLog each payment; what you have paid and what remains update themselves, and paid-off debts say so.
  7. 7
    Sinking fundsYearly costs divided by twelve, so you know what to set aside each month.

How it is built

  • You never add up a column: every total, balance and percentage is a formula
  • The same fourteen categories in the PDF and the spreadsheet, so the two halves agree
  • No currency symbol in the spreadsheet: it works in dollars, pounds or anything else
  • Undated: write the month on each page and start whenever you are ready

The PDF is flat: write on it in GoodNotes or Notability, or print it (US Letter and A4 included). The spreadsheet is an .xlsx file: open it in Excel or Numbers, or import it into Google Sheets with File, then Import. It is a budgeting tool, not financial advice.

Not ready yet?

Try the free weekly planner and daily focus sheet first — the same calm layout, one page each.

See the free set →

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A guide for getting started