{"product_id":"cash-envelope-budget-spreadsheet","title":"Cash Envelope Budget Planner Spreadsheet","description":"\u003cp\u003eThis cash envelope budget spreadsheet gives you envelope budgeting without carrying actual cash around. You fill twenty envelopes each month, log each purchase once, and see straight away which envelopes are healthy, which are nearly empty and which have run over.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePlease read:\u003c\/strong\u003e This is a tracker tool only, not financial, tax, legal, medical or any other professional advice or advisory service. It records and calculates what you enter; you are solely responsible for checking all figures, rates, dates and results and for every decision you make. By purchasing, downloading or using it, you accept these terms (your statutory consumer rights are not affected).\u003c\/p\u003e\u003ch2\u003eThe dashboard\u003c\/h2\u003e\u003cp\u003ePick the full year or any month and the envelopes, cards and charts all follow. Nothing on it is typed; it fills itself from what you enter.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003ePut in: the cash that went into the envelopes, with a mini chart by month\u003c\/li\u003e\n\u003cli\u003eA row of envelopes, each one filled to what is left in it\u003c\/li\u003e\n\u003cli\u003ePut in against spent: spent, unspent and anything over for each envelope\u003c\/li\u003e\n\u003cli\u003eMonth by month: what the envelopes spent against what went in\u003c\/li\u003e\n\u003cli\u003eHow many envelopes ran out in each month\u003c\/li\u003e\n\u003cli\u003ePaid in cash: how much of your spending really came out of the cash\u003c\/li\u003e\n\u003cli\u003eCash or card: the share of each envelope paid in cash and on a card\u003c\/li\u003e\n\u003cli\u003eA top up list of what to put back in each envelope before next month\u003c\/li\u003e\n\u003cli\u003eThe envelopes that go over most often\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eEnvelopes and sinking funds\u003c\/h2\u003e\u003cp\u003eThere are twenty envelopes, each filled and spent and each marked healthy, nearly empty or overspent. Next to them sit twenty-five sinking funds, each showing the months to go, so the bigger costs you see coming are saved for a little at a time. It works as an envelope budget and a savings tracker in the same workbook.\u003c\/p\u003e\u003ch2\u003eTwenty-three connected tabs\u003c\/h2\u003e\u003cp\u003eEverything reads from one transaction list, so nothing is typed twice and there are no pivot tables to refresh. Your monthly budget and the year view always agree, and every envelope doubles as an expense tracker for its category.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e2,000 transaction rows and 40 categories, all renameable\u003c\/li\u003e\n\u003cli\u003eBudgets, variances, totals and percentages calculated for you\u003c\/li\u003e\n\u003cli\u003eOver-budget and overdue amounts change color on their own\u003c\/li\u003e\n\u003cli\u003eDropdown lists that grow as you add accounts and categories\u003c\/li\u003e\n\u003cli\u003eCharts that redraw from your own numbers, not pictures\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eA filled-in copy to learn from\u003c\/h2\u003e\u003cp\u003eAlongside the blank workbook you get a full demo year you can click through, so you can see every tab working before you enter your own money. Both come in Excel and in Google Sheets.\u003c\/p\u003e\u003ch2\u003eWorks with\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eMicrosoft Excel 2016, 2019, 2021 and Microsoft 365, on Windows and Mac, and LibreOffice. No Microsoft 365 subscription needed.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eNo dynamic arrays, no macros, no add-ins and no bank connection\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eThe Excel workbook, filled with a worked example\u003c\/li\u003e\n\u003cli\u003eThe same workbook, blank and ready for your own numbers\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, with one-click links to the Google Sheets versions (filled and blank)\u003c\/li\u003e\n\u003cli\u003eThe terms of use as a PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYour files are ready as soon as payment clears. The template is for personal use on your own devices; please do not share or resell the files. Questions before or after you buy? Use our contact page and we will help.\u003c\/p\u003e\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eDoes it work in Excel and Google Sheets?\u003c\/h3\u003e\u003cp\u003eYes. The Excel workbook runs in Excel 2016 or later on Windows and Mac, and the instruction guide has one-click links to the Google Sheets versions for a free Google account.\u003c\/p\u003e\u003ch3\u003eDo I have to use real cash?\u003c\/h3\u003e\u003cp\u003eNo. The envelopes work whether you pay in cash or by card, and the dashboard shows the share of each envelope paid each way.\u003c\/p\u003e\u003ch3\u003eHow many envelopes and sinking funds are there?\u003c\/h3\u003e\u003cp\u003eTwenty envelopes, each marked healthy, nearly empty or overspent, and twenty-five sinking funds that show the months to go.\u003c\/p\u003e\u003ch3\u003eHow do I know what to put back in each envelope?\u003c\/h3\u003e\u003cp\u003eThe dashboard has a top up list showing what to put back in each envelope before next month.\u003c\/p\u003e\u003ch3\u003eCan I rename the envelopes?\u003c\/h3\u003e\u003cp\u003eYes. The workbook has 40 categories and every one can be renamed, and the dropdown lists grow as you add more.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597859979358,"sku":"OPX-012","price":25.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/cash-envelope-budget-spreadsheet-01.jpg?v=1790831992","url":"https:\/\/opxviashop.com\/products\/cash-envelope-budget-spreadsheet","provider":"OPXVIA","version":"1.0","type":"link"}