Build a simple, repeatable budgeting habit. This workbook helps you plan a zero-based budget, record transactions, and compare planned vs actual spending. The monthly budget CSV is clean and filterable by category, while the transactions CSV makes reconciling easy. Printable pages cover the monthly plan, expense tracker, savings goals, and a bill pay calendar. See where each dollar goes, lower surprises, and update your plan quickly when something changes. Use categories that fit your life and add notes for context. The layouts are minimalist and focused on clarity, so you can act fast: plan, track, adjust. Duplicate files for each month and keep a running history.
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