Debt & Budget Plan Setup
Budget: $8 – $15 USD
I want a clear, sustainable way to see where my money goes, knock out my credit-card balances, and stay on top of every bill without paying for fancy software. Right now I track nothing—no apps, no spreadsheets—so everything will start from scratch.
Here’s what I need from you:
• A simple snapshot of every credit card and other personal debts, showing balances, interest rates, minimums, and due dates.
• A realistic repayment strategy that prioritises high-interest debt but still fits my monthly cash flow.
• A zero-based or similar budget that covers regular expenses, savings goals, and the new debt-pay-down plan.
• A user-friendly tracking system—Google Sheets, Excel Online, or any other free tool—complete with formulas or pivot tables so I can update it quickly each week.
• Step-by-step instructions (written or video) so I can maintain the system myself after you hand it over.
Acceptance criteria: the sheet calculates running balances automatically, flags upcoming due dates at least a week in advance, and shows how extra payments affect my payoff timeline.
If you have a background in personal accounting or financial coaching and enjoy building no-cost, do-it-yourself tools, let’s talk.
Here’s what I need from you:
• A simple snapshot of every credit card and other personal debts, showing balances, interest rates, minimums, and due dates.
• A realistic repayment strategy that prioritises high-interest debt but still fits my monthly cash flow.
• A zero-based or similar budget that covers regular expenses, savings goals, and the new debt-pay-down plan.
• A user-friendly tracking system—Google Sheets, Excel Online, or any other free tool—complete with formulas or pivot tables so I can update it quickly each week.
• Step-by-step instructions (written or video) so I can maintain the system myself after you hand it over.
Acceptance criteria: the sheet calculates running balances automatically, flags upcoming due dates at least a week in advance, and shows how extra payments affect my payoff timeline.
If you have a background in personal accounting or financial coaching and enjoy building no-cost, do-it-yourself tools, let’s talk.