📊 Ultimate Debt-to-Income & Money Tracking Spreadsheet

Take full control of your finances with a powerful, all-in-one debt-to-income spreadsheet designed to show you exactly where every dollar you earn is going. No subscriptions. No hidden fees. Just clear, organized money management.

This spreadsheet is built for individuals who want clarity, accuracy, and long-term savings when it comes to budgeting, debt reduction, and wealth building.

✅ What’s Included

📈 Credit Utilization Chart

Easily monitor your credit utilization ratio to help you:

• Improve and maintain a healthier credit profile
• Identify over-utilized accounts
• Track balances vs. limits at a glance

💰 Personal Budget & Expense Tracking Chart

Track every dollar with precision, including:

• Date & Month
• Description of purchase
• Income category
• Expense / Debt category
• Ending balance after each entry

This allows you to clearly see where money is being spent, saved, or wasted — eliminating guesswork.

🗓️ Bill Due Date & Payment Tracking

Never miss a bill again with a dedicated chart that tracks:

• Day of the month
• Month
• Price amount
• Category of bill

Perfect for rent, utilities, subscriptions, insurance, and more.

☕ Latte Factor Chart (Frivolous Spending Tracker)

Identify small daily expenses that quietly drain your wealth.
This chart helps you track:

• Non-essential purchases
• Money that could have been invested or saved
• Long-term impact of small spending habits

A powerful tool for breaking financial leaks.

🏦 High-Yield Savings Tracking Chart

Keep a personal record of all savings totals in one place to:

• Track progress toward savings goals
• Cross-check balances in case of bank discrepancies
• Maintain accurate financial records

🎥 Step-by-Step Video Tutorial Included

Your purchase includes a detailed instructional video walking you through:

• How to use each chart
• How formulas work
• Best practices for accurate tracking

No experience required.

🔄 Lifetime Spreadsheet Updates (Upon Request)

You’ll receive lifetime updates to this spreadsheet whenever improvements or enhancements are made.

✔ Updates are provided upon request
✔ Available only to verified purchasers

⚠️ Important Notice

This spreadsheet contains built-in formulas for accurate calculations.

If formulas are deleted, altered, or overwritten, the spreadsheet will no longer function correctly.

In such cases, the spreadsheet must be repurchased.

Please make a backup copy before editing.

💸 Why Choose This Over Budgeting Apps?

Many companies offer apps that automatically track finances — but at a cost:

• Monthly or yearly subscription fees
• Costs that add up to thousands of dollars over a lifetime
• Limited control over your own data
• Price increases over time

💡 Our Solution:

• One-time purchase
• No subscriptions
• Lifetime updates
• Full ownership of your financial data
• Detailed video training included

You save money while building better financial habits.

🤝 Affiliate Program – Earn 20% Per Sale

Love this spreadsheet? Share it.

• Earn 20% commission on every sale you refer
• Simple, transparent affiliate structure
• Turn financial knowledge into passive income

🔒 Digital Product Notice

This is a digital download. No physical product will be shipped.

Take control of your money.

Track smarter.

Save thousands over your lifetime.

Add to cart today and start mastering your finances with clarity and confidence.

* EMAIL/TEXT WILL BE SENT REQUESTING NAMES OF CATEGORIES/DESCRIPTIONS SPECIFIC TO YOUR MONTHLY EXPENSES (Rent, utility, gas groceries etc.) THIS WILL BE ADDED TO THE SPREADSHEET! ONCE THIS IS COMPLETE SPREADSHEET WILL BE SENT IMMEDIATELY!