My Money Tracker — The Simple Spreadsheet That Shows You Exactly Where Your.

The ProblemYou know the feeling. Money comes in, and somehow, by the 20th of the month, it's gone. You didn't buy anything crazy. There was no big splurge. It just... disappeared — a little here on transport, a little there on data bundles, a "small small" here on family support.The truth is, you don't have a spending problem. You have a visibility problem. When you can't see where your money is going, you can't control it — and every savings goal stays a "someday" plan.The SolutionMy Money Tracker is a ready-to-use Excel spreadsheet built for exactly this. You log your income, your expenses, and your savings in three simple sheets — and the tracker instantly shows you the full picture: what you earned, what you spent, what you saved, and where every cedi actually went.No spreadsheet skills required. No setup headaches. Open it, start typing, and watch your financial picture build itself in real time.What's Inside📊 Dashboard Your money, at a glance. See this month's income, expenses, savings, and balance — plus how you're trending compared to last month — the moment you open the file.💰 Income Log Track every source of income — salary, side hustle, business sales, gifts, refunds — with the date, category, and payment method attached.🧾 Expense Log Log every expense against a category (Rent, Food, Transport, Data & Airtime, Health, Family Support, and more) so you can finally see which categories are quietly draining your account.🐷 Savings Log & Goals Set real savings goals — an emergency fund, rent advance, a laptop, a trip — with target amounts and dates. Every time you save, the tracker updates your progress bar automatically, so you can watch yourself get closer.📅 Monthly Summary A full 12-month view of your income, expenses, net balance, and savings rate — so you can spot patterns across the whole year, not just one month at a time.📝 Monthly Review A guided end-of-month check-in: Did you hit your income target? Your savings target? What was your biggest expense category? What will you change next month? Ten minutes, once a month, and you're always in control.⚙️ Settings Customize your categories, payment methods, currency, and monthly targets in one place — the whole tracker updates automatically.Why It WorksZero learning curve — if you can type in a cell, you can use this. No formulas to write, no formatting to fix.Everything calculates itself — enter a transaction once, and your dashboard, monthly summary, and goal progress all update instantly.Built for real life, not accountants — categories like Data & Airtime, MoMo payment methods, and Family & Black Tax are already built in, because this was made with how people here actually spend.One-time purchase — pay once, use it forever. No subscription, no monthly fee, no expiry.Works offline — it's an Excel file. No app to download, no internet required to use it.Who This Is ForAnyone who's ever thought "I don't know where my money goes"People who want to save consistently but keep falling offFreelancers and side-hustlers juggling multiple income sourcesAnyone tired of five different MoMo screenshots and no real pictureBeginners — this is designed to be the easiest possible way to start tracking, with nothing complicated to figure outWhat You Get✅ Instant download — start using it in the next 5 minutes ✅ Pre-built formulas — nothing to set up yourself ✅ A full year of tracking space (12 months, unlimited entries) ✅ Goal-tracking with visual progress bars ✅ Lifetime access — no subscription, everFAQDo I need to know Excel to use this? No. If you can type numbers into a cell, you can use every part of this tracker. Everything else is automatic.Does this work on my phone? Yes — it works in Excel or Google Sheets on mobile, tablet, or desktop.Is this a subscription? No. It's a one-time purchase. You own the file and use it for as long as you want.What if I mess something up? The tracker is built to be simple to reset — just clear your entries and start fresh. [Add support contact/instructions here.]Can I use it for more than one year? Yes — duplicate the file at the start of a new year, or ask about the multi-year version. [Customize based on what you actually offer.]