The Spending Circle — Budget & Expense Tracker (Excel)

What you will get• A plug-and-play Excel budget system built around the proven 50/20/20/10 Spending Circle method• Instant clarity on where every pound/dollar goes — before you spend itWhat’s included• 📊 Dashboard — live budget vs. spending tracker across all 4 circle layers• 📋 Expense Tracker — log transactions and auto-update your totals• 🎯 Budget Planner — 30+ categories with customisable monthly targets• 🏆 Savings Goals Tracker — track multiple goals with auto months-to-goal calculator• 📖 Step-by-step How To Use guide built into the fileBenefits• Works for any income — just enter your take-home pay and the circle builds itself• Saves hours of manual budgeting every month with automatic calculations• Helps you stop overspending, start saving, and reach financial goals faster• No subscriptions, no apps — yours forever in Excel, Loom videos, etc.).