Google Sheets Budget Template Revamp -- 2

I already sell a basic Google Sheets budget to my social-media community, but I want the next release to feel truly premium. The sheet needs a fresh, colorful, and engaging layout, plus a few smart upgrades that make budgeting easier for non-technical users.

Core enhancements I have in mind:
• A clear Wants-vs-Needs section so users can categorize their expenses more effectively.
• Fully customizable spending categories—people should be able to rename or hide sections without breaking formulas.
• A way to track their dept balances and track their debt in a seperate tab.
• Seamless calculations throughout (income minus fixed, variable, sinking funds, etc.) handled with built-in functions like ARRAYFORMULA, SUMIFS, and DATA VALIDATION so totals update in real time.
• Gentle reminder notifications—something as simple as a date-driven “Budget check-in” banner or conditional-formatting alert—nothing that requires add-ons.

I will hand over the current template and brand colors. You’ll return a polished Google Sheet ready for copy-make and resale: clean sheet structure, locked formula cells, and clear instructions tab for my buyers. If you can wrap this up with neat conditional formatting and a share-ready link, we’re good to go.