Household budgeting
Know what your next paycheck needs to cover.
Organize your take-home pay, bills, recurring expenses, and savings goals in one editable workbook.
Free Paycheck Planner
A single editable workbook for one pay period at a time. No account, no email required.
- An editable pay-period budget you fill in for each paycheck
- Planned versus actual columns so you can compare what you expected with what happened
- Written instructions on the Start Here sheet
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$19 one-time — not a subscription
Cosmic Money Reset Toolkit
The full five-sheet workbook for organizing a whole month of pay, bills, recurring charges and savings goals. One payment, no renewal, no recurring charge.
Start Here
How the workbook fits together and the order to fill it in.
Paycheck Plan
Assign each paycheck to bills, recurring expenses and savings before it is spent.
Bill Calendar
Lay out due dates across the month so nothing lands in the wrong pay period.
Recurring Review
List every recurring charge in one place and record a keep, change or cancel decision.
Savings Tracker
Track savings goals and contributions over time in one editable sheet.
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What you are getting — and what it is not
- Both files are Excel workbooks (.xlsx). They open in Microsoft Excel and can be imported into compatible spreadsheet software such as Google Sheets, Numbers or LibreOffice Calc.
- There is no bank connection and no account linking. You type in your own figures.
- No savings are guaranteed. These are educational organization tools, not financial, tax, investment or legal advice.
- Digital download. The toolkit is delivered on the confirmation page right after payment.
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