Budget & Expense Tracker (Excel)

What you will get • A complete Excel budget system built around the 50-20-20-10 Spending Circle method, fully designed for Ghanaians and Africans • Instant clarity on where every Ghana Cedi goes — before you spend itWhat’s included • 📊 Dashboard — live budget vs. spending tracker in GH₵ across all 4 circle layers (Akyi, Adwuma, Ahosɛpɛ, Mmoa) • 📋 Expense Tracker — log transactions including MoMo payments, cash, trotro fares, market shopping and more • 🎯 Budget Planner — 40+ Ghana-specific categories including ECG bills, NHIS, susu, school fees, chop money, asoebi and church tithe • 🏆 Savings Goals Tracker — track goals like land purchase, business capital, university fees, wedding fund and Hajj savings • 📖 Step-by-step How To Use guide with Akan proverbs and Ghana money tips built into the fileBenefits • Built for real Ghanaian expenses — not a foreign template that doesn’t fit your life • Covers every payment method: MTN MoMo, Vodafone Cash, cash, GCB bank transfer, and card • Saves hours of manual budgeting every month with automatic GH₵ calculations • Helps you stop overspending, grow your susu savings, and reach your financial goals faster • No subscriptions, no apps — yours forever in Microsoft Excel or Google Sheets​​​​​​​​​​​​​​​​