{"title":"Household Budget \u0026 Money","description":"\u003cp\u003eHousehold money spreadsheets: a subscription tracker and spending audit, and a paycheck budget template with a bill payment calendar. Your own numbers, organized.\u003c\/p\u003e","products":[{"product_id":"subscription-tracker-spending-audit-spreadsheet","title":"Subscription Tracker \u0026 Spending Audit Spreadsheet","description":"\u003cp\u003eList every recurring charge, see monthly and yearly totals, decide what stays and keep proof when you cancel.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWho it's for:\u003c\/strong\u003e Households who suspect they're paying for subscriptions they've forgotten and want a calm, complete list and a clean way to cancel.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThe problem it solves:\u003c\/strong\u003e This subscription tracker converts every recurring charge to a monthly and yearly figure, walks you through your statements line by line, adds up only the decisions you choose, and keeps a cancel log with proof and a date to check your next statement. Card numbers: last 4 digits only.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's inside\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSubscription Tracker Workbook (EXAMPLE + BLANK, .xlsx)\u003c\/li\u003e\n\u003cli\u003eSubscription Tracker Playbook (PDF)\u003c\/li\u003e\n\u003cli\u003eSubscription Inventory Sheet and Statement Review Worksheet (DOCX + PDF)\u003c\/li\u003e\n\u003cli\u003eCancellation Checklist and Bill Call Notes (DOCX + PDF)\u003c\/li\u003e\n\u003cli\u003eMonthly Money Check-In (DOCX + PDF)\u003c\/li\u003e\n\u003cli\u003eAI Prompt Pack: 25 prompts (PDF + TXT)\u003c\/li\u003e\n\u003cli\u003eStart Here guide and license\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eHow it works\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eList the subscriptions you know about.\u003c\/li\u003e\n\u003cli\u003eGo through 1–3 months of statements on Statement Audit.\u003c\/li\u003e\n\u003cli\u003eChoose keep, cancel, downgrade, renegotiate or decide later for each.\u003c\/li\u003e\n\u003cli\u003eCancel the way each company offers and log the proof.\u003c\/li\u003e\n\u003cli\u003eDo a 15-minute check each month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003eGood to know\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eEvery service, amount and person in the EXAMPLE file is made up.\u003c\/li\u003e\n\u003cli\u003eCancellation rules depend on the company's terms, your state and federal law. Check the company's cancel page and keep proof that you canceled.\u003c\/li\u003e\n\u003cli\u003eCard numbers: last 4 digits only. Never store bank logins, passwords or full card numbers in this file.\u003c\/li\u003e\n\u003cli\u003eThis is an organizing tool, not financial advice. Every total it shows comes from numbers you enter.\u003c\/li\u003e\n\u003cli\u003eExcel .xlsx workbook, no macros; formulas tested in LibreOffice (Google Sheets and Excel open-tests pending)\u003c\/li\u003e\n\u003cli\u003eChatGPT, Claude, Gemini and Copilot are trademarks of their owners. This kit isn't affiliated with them.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eRefunds:\u003c\/strong\u003e All sales are final. This kit is an instant digital download, so we don't offer refunds once your order is placed. If a file is broken, missing or not as described, email ryanviabusiness@gmail.com with your order number and we'll send you a working replacement file; if we can't provide a working file that matches this description, we'll refund your order. If you bought the same kit twice by mistake, email us within 14 days of the second order and we'll refund the duplicate order. Nothing in this policy limits any rights you have under law that can't be waived.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eLicense:\u003c\/strong\u003e one household; no resale, redistribution or sharing.\u003c\/p\u003e\n\u003cp\u003eCover images are illustrations created with AI. The people shown are fictional, not customers.\u003c\/p\u003e","brand":"The Collective's Digital Archive","offers":[{"title":"Default Title","offer_id":67663740174514,"sku":"DPF-022","price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0798\/6282\/5138\/files\/DPF-022-cover-people-1600x1200.png?v=1791554475"},{"product_id":"paycheck-to-paycheck-budget-template-bill-payment-calendar","title":"Paycheck to Paycheck Budget Template \u0026 Bill Payment Calendar","description":"\u003cp\u003eMatch every bill to the paycheck before it, plan set-asides and see the month on one calendar.\u003c\/p\u003e\n\u003cp\u003eNot financial, credit or tax advice. If you're behind on bills, a nonprofit credit counselor (for example an NFCC member agency) can help you review options.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWho it's for:\u003c\/strong\u003e Households who want to see, paycheck by paycheck, which bills are coming and what's left, and to track a starter emergency fund toward a goal they choose.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThe problem it solves:\u003c\/strong\u003e This paycheck budget template lays out your bills for 6 months and assigns each one to the last payday on or before its due date, so you can see what each paycheck has to cover, which ones are SHORT, the running balance, overdue and due-soon bills, and a calendar of the month. Your emergency fund goal is your own number.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's inside\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003ePaycheck Budget Workbook (EXAMPLE + BLANK, .xlsx)\u003c\/li\u003e\n\u003cli\u003ePaycheck Budget Playbook (PDF)\u003c\/li\u003e\n\u003cli\u003ePaycheck Plan and Monthly Bill Calendar (DOCX + PDF)\u003c\/li\u003e\n\u003cli\u003eBill List and Emergency Fund Tracker (DOCX + PDF)\u003c\/li\u003e\n\u003cli\u003ePayday Check-In (DOCX + PDF)\u003c\/li\u003e\n\u003cli\u003eAI Prompt Pack: 25 prompts (PDF + TXT)\u003c\/li\u003e\n\u003cli\u003eStart Here guide and license\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eHow it works\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOn Settings, enter how often you're paid, your first payday, usual take-home pay and money on hand.\u003c\/li\u003e\n\u003cli\u003eList every monthly bill with its due day.\u003c\/li\u003e\n\u003cli\u003eEnter set-asides for each payday.\u003c\/li\u003e\n\u003cli\u003eMark bills paid on the Bill Schedule.\u003c\/li\u003e\n\u003cli\u003eDo a 10-minute check-in each payday.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003eGood to know\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eEvery bill, amount and person in the EXAMPLE file is made up.\u003c\/li\u003e\n\u003cli\u003eNot financial, credit or tax advice.\u003c\/li\u003e\n\u003cli\u003eYour emergency fund goal is your own number.\u003c\/li\u003e\n\u003cli\u003eIf you're behind on bills, a nonprofit credit counselor (for example an NFCC member agency) can help you review options.\u003c\/li\u003e\n\u003cli\u003eAccounts and cards: last 4 digits only. Never store passwords, PINs or full account numbers in this file.\u003c\/li\u003e\n\u003cli\u003eExcel .xlsx workbook, no macros; formulas tested in LibreOffice (Google Sheets and Excel open-tests pending)\u003c\/li\u003e\n\u003cli\u003eChatGPT, Claude, Gemini and Copilot are trademarks of their owners. This kit isn't affiliated with them.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eRefunds:\u003c\/strong\u003e All sales are final. This kit is an instant digital download, so we don't offer refunds once your order is placed. If a file is broken, missing or not as described, email ryanviabusiness@gmail.com with your order number and we'll send you a working replacement file; if we can't provide a working file that matches this description, we'll refund your order. If you bought the same kit twice by mistake, email us within 14 days of the second order and we'll refund the duplicate order. Nothing in this policy limits any rights you have under law that can't be waived.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eLicense:\u003c\/strong\u003e one household; no resale, redistribution or sharing.\u003c\/p\u003e\n\u003cp\u003eCover images are illustrations created with AI. The people shown are fictional, not customers.\u003c\/p\u003e","brand":"The Collective's Digital Archive","offers":[{"title":"Default Title","offer_id":67663740928178,"sku":"DPF-023","price":29.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0798\/6282\/5138\/files\/DPF-023-cover-people-1600x1200.png?v=1791554474"}],"url":"https:\/\/shop.the-ai-collective.com\/collections\/household-budget-money.oembed","provider":"The Collectives Digital Archive","version":"1.0","type":"link"}