Losing income overnight is overwhelming — this toolkit gives you one clear place to see your numbers and make decisions, instead of guessing.

What’s inside (Excel spreadsheet, 6 tabs):
• Start Here – simple instructions, no experience needed
• Monthly Budget – enter income and expenses, see your surplus or gap instantly
• Expense Triage – sort every expense into Keep / Reduce / Cut with a built-in dropdown
• Bills & Debts – track balances, minimum payments, interest rates, and due dates in one place
• Emergency Fund – set a savings goal based on your real expenses and log progress monthly
• Dashboard – a one-page snapshot of where you stand, updates automatically

Everything is formula-driven — change one number and every tab updates. Just fill in the yellow cells.

Works in Excel and Google Sheets.

This isn’t financial advice — it’s a tool to help you see clearly and make your own decisions, at your own pace.