Free budgeting guides

Practical, plain-English guides with real spreadsheet examples.

Fortnightly Budget Template (Excel & Google Sheets) for AustraliaA practical guide to budgeting on a fortnightly pay cycle in Australia, with a free Excel and Google Sheets template, worked steps and answers to common questions.Free Biweekly Budget Spreadsheet (Excel & Google Sheets)How to build a biweekly paycheck budget, handle three-paycheck months and use a free biweekly budget spreadsheet in Excel or Google Sheets.Sole Trader Spreadsheet for Australia: Simple Bookkeeping GuideHow Australian sole traders can keep simple records in a spreadsheet: income, expenses, GST and BAS figures, and what to hand your accountant.Christmas Budget Planner: How to Plan Christmas Without the January DebtA step-by-step guide to setting a Christmas budget, with a gift list method, food and hosting plan and a Christmas budget planner spreadsheet for Excel and Google Sheets.Wedding Budget Spreadsheet (Australia): Plan Every DollarHow to build a realistic wedding budget, track deposits and payments, and use a wedding budget spreadsheet in Excel or Google Sheets.Debt Payoff Spreadsheet: Snowball vs Avalanche ExplainedCompare the debt snowball and avalanche methods, learn how to build a debt payoff plan, and see a debt payoff spreadsheet for Excel and Google Sheets.