Smart Money Planner – Excel Budget, Savings Goals & Debt Tracker

What you will get• Finally know where your salary goes: money in, money spent, money saved and what's LEFT OVER every month.• Warnings before you overspend: each budget category shows OK, CAREFUL or OVER BUDGET.• A clear plan to reach your savings goals and become debt-free.• Instant download. Set up in 10 minutes, then 1 minute a day.What's included• 1 Excel file (.xlsx) with 9 ready sheets: Start Here, Dashboard, Budget, Spending, Income, Savings Goals, Savings Log, Debts and 52-Week Challenge.• Dashboard with cash vs MoMo spending, your biggest expense, a budget vs spent chart and a full-year summary with a chart.• 16 everyday categories: food, transport, rent, ECG & water, data, family support, tithe, health, school fees, going out, weddings & funerals and more.• Savings goals with progress bars and "save this much per month", tracking money in MoMo, bank, susu or T-bills.• Debt tracker showing how many months until you're debt-free.• 52-week savings challenge (GHS 5 a week grows to GHS 6,890).• Room for 6,000 spending entries. Example rows and simple instructions inside.• Works in Microsoft Excel on a computer and in the Excel phone app.Benefits• Stops money "disappearing": you see every cedi and where it went.• Helps you save every month and plan for big costs (rent advance, school fees, a new phone).• Locked formulas, so you can't break it by mistake.• Perfect for workers, teachers, nurses, NSS personnel, students, traders and couples.• Questions? WhatsApp Setera Creatives: 020 642 1809