Ultimate AUTOMATED Monthly Budget Spreadsheet (Google Sheets)

Master Your Money — All Year, Every Year.

Tired of feeling out of control with your finances? Say hello to the Ultimate Monthly Budget Google Spreadsheet — the only budgeting tool you'll ever need, designed to simplify, organize, and elevate your financial life.

✅ Why You’ll Instantly Love It:

• One-Time Purchase, Lifetime Use
  This spreadsheet is undated and designed with 12 monthly tabs + a template tab, so you can start any time of year and use it forever. No subscriptions. No expiration. Just pure financial clarity.

• Smart Auto-Calculations
  All totals update automatically — no formulas or math required. You enter the numbers, and your sheet does the rest.

• Color-Coded Due Date Alerts
  Your spreadsheet remembers what’s coming up so you don’t have to:
  • 🔶 Due Today turns orange
  • 🟡 Due Within 3 Days turns yellow
  • 🔴 Past Due turns red
  Stay organized and ahead of every payment.

• Progress You Can Feel
  Check a box next to completed tasks or payments and they’ll strike through — giving you that visual “done and dusted” win every time!

• Clear Visual Insights
  Built-in bar and pie graphs turn your numbers into simple visuals, so you can understand your money at a glance — not after a deep dive.

📊 What You’ll Get:

• At-a-Glance Financial Overview – See your entire financial snapshot in one dashboard.

• Income Tracker – Log all earnings, from salary to side hustle.

• Fixed Expenses (Bills) – Never miss a recurring payment.

• Variable Expenses – Track groceries, gas, and every daily detail.

• Savings Tracker – Set goals and watch your balance grow.

• Debt Tracker – Monitor what you owe and celebrate progress.

• Subscription Tracker – Keep auto-renewals in check.

• Investment Tracker – Watch your wealth build over time.

What You’ll Receive (Delivery Format):

• 1 Google Sheets budgeting template with 12+ Tabs

• PDF with link to make your own editable copy

• Lifetime access + reusable monthly tabs

• Fully editable in Google Sheets (free account required)

• Works on desktop, tablet, or mobile

How It Works:

• Open the PDF

• Click the Google Sheets link

• Make your own copy

• Start budgeting right away — no setup needed!

Perfect For:

• Beginners who want a simple budget

• Visual thinkers who love graphs and automation

• Busy people who want to track everything in one place

• Anyone tired of complicated apps or cluttered systems

🎯 Start now, use forever. Whether you're budgeting solo or managing a household, this intuitive, powerful spreadsheet makes it easy to stay on top of your finances all year long — without ever needing another tool.

No apps. No learning curve. Just one smart, easy-to-use Google Sheet built to help you thrive.

Disclaimer

The automated budget spreadsheets and trackers are organizational tools designed to help you input and visualize your personal data. They are not a substitute for professional financial advice, tax preparation, or legal counsel. We recommend consulting with a certified financial planner, accountant, or tax professional before making any significant financial decisions or filing tax returns. You are solely responsible for all financial decisions and data entered into these templates.

By purchasing and using this digital product, you agree that the creator and seller are not liable for any direct, indirect, incidental, consequential, or any other damages arising from the use or inability to use the product, including loss of data, income, or personal/financial detriment.

🚫 Digital Product Refund Policy

Please Note: Due to the digital nature of this product, all sales are final.
Once you purchase and gain access to the file, it cannot be returned or exchanged.

We do not offer refunds, cancellations, or exchanges for digital downloads under any circumstances.

By purchasing, you agree to these terms and understand that because the product is delivered instantly and cannot be "returned," all sales are considered final.

If you have any issues accessing your file or have questions before purchasing, feel free to contact us at harmonyoverblnce@gmail.com — we're happy to help!

Terms of Use:
This spreadsheet is for personal use only. Reselling, sharing, or redistributing is strictly prohibited.