{"product_id":"cash-stuffing-budget-tracker","title":"Cash Budget and Withdrawal Tracker Spreadsheet","description":"\u003cp\u003eThis cash stuffing tracker is for anyone who fills a binder of cash sleeves on payday and has stood at a cash machine trying to work out which bills to ask for. Plan each sleeve once and the workbook tells you what is spent, what is left and exactly what to withdraw.\u003c\/p\u003e\u003cp\u003ePaper envelopes cannot solve one problem: the cash has to come out of a machine in bills that exist. This file does that arithmetic for you.\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\u003eNothing on the dashboard is typed. Pick the whole binder or one sleeve and the cards, tiles and withdrawal slip follow.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCash in the binder:\u003c\/strong\u003e what went into the sleeves this month against your plan\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eEvery sleeve:\u003c\/strong\u003e spent, left and anything spent beyond the cash\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe binder:\u003c\/strong\u003e a tile per sleeve showing what is left, amber when nearly empty and red when empty\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSleeves to watch:\u003c\/strong\u003e the six furthest in, marked over, empty, low or on track\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTo draw out:\u003c\/strong\u003e the cash to ask the machine for, and how many bills that is\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe withdrawal slip:\u003c\/strong\u003e how many 50s, 20s, 10s and 5s, and whether they cover every sleeve\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCash, month by month\u003c\/strong\u003e, where the cash goes by sleeve, and the six categories you paid for most in cash this year\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat sets it apart\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eA withdrawal slip:\u003c\/strong\u003e the count of each bill, what it comes to and what you are short by when amounts do not divide evenly\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eA smallest bill per sleeve:\u003c\/strong\u003e groceries in fifties is a handful of bills, the same sleeve in fives is a thick stack, and this column decides which\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eUsed as a percentage, amber at 90%:\u003c\/strong\u003e so the sleeve about to run out shows up early in the month\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRoom for 16 sleeves\u003c\/strong\u003e, each with a monthly amount, stuffed, spent and left, and what is left in the binder on the summary strip\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eStill a full budget underneath\u003c\/h2\u003e\u003cp\u003eCash only covers the spending categories, so the envelope system sits inside a complete budget with eleven connected tabs: Start Here, Setup, Accounts, Income, Transactions, Binder, twelve monthly tabs that fill themselves from one transaction list, Sinking Funds for the costs cash cannot cover, Annual Summary, Expense Breakdown and Dashboard. The worked example has twelve sleeves, from groceries down to a small buffer, with part of the month already spent and a slip that says which bills to draw.\u003c\/p\u003e\u003ch2\u003eLight and dark editions\u003c\/h2\u003e\u003cp\u003eEvery download includes a light edition and a dark edition. Every tab is restyled, not just the dashboard, and both use the same formulas. Each comes filled with a worked example and blank, in Excel and in Google Sheets, so your binder budget and cash envelope plan look the way you like. It suits cash stuffing alongside card spending and planned ATM withdrawals.\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\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook you make your own copy of, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eNo dynamic arrays, no macros, no add-ins and no subscription\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eLight edition: the Excel workbook filled with a worked example, and a blank one\u003c\/li\u003e\n\u003cli\u003eDark edition: the same two files in the dark design\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, which has one-click links to the Google Sheets versions (light and dark, 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 to download as soon as payment clears. The template is for personal and business use on your own devices, so 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\u003eCan I use it in Google Sheets as well as Excel?\u003c\/h3\u003e\u003cp\u003eYes. You download Excel workbooks for Excel 2016 or later on Windows and Mac, and the instruction guide has one-click links to make your own copy in Google Sheets with a free Google account.\u003c\/p\u003e\u003ch3\u003eHow does the withdrawal slip work?\u003c\/h3\u003e\u003cp\u003eEach sleeve has a smallest bill you are willing to use. The slip turns your sleeves into a count of 50s, 20s, 10s and 5s, and shows any shortfall when the amounts do not divide into those bills.\u003c\/p\u003e\u003ch3\u003eHow many sleeves can I have?\u003c\/h3\u003e\u003cp\u003eUp to 16 sleeves, each with a monthly amount, what was stuffed, what was spent and what is left.\u003c\/p\u003e\u003ch3\u003eCan I track card spending too?\u003c\/h3\u003e\u003cp\u003eYes. It is a full budget underneath, with transactions, twelve monthly tabs, sinking funds and an annual summary alongside the binder.\u003c\/p\u003e\u003ch3\u003eWhat is the difference between the light and dark editions?\u003c\/h3\u003e\u003cp\u003eOnly the look. Both have the same tabs and formulas, and both are included in every download.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597871808606,"sku":"OPX-211","price":20.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/cash-stuffing-budget-tracker-01.jpg?v=1790833129","url":"https:\/\/opxviashop.com\/products\/cash-stuffing-budget-tracker","provider":"OPXVIA","version":"1.0","type":"link"}