January Money Reset 2027

What's included

• Zero-Based Budget 2027

  Give every dollar a job. 12 months in six groups (41 categories), paychecks counted by payday with 3-paycheck months spotted, a 1,000-row transactions log with a Who column, a Dashboard for any month with your next moves, a printable Month View and a Year Summary. 7 tabs.

• Debt Snowball & Avalanche Payoff Tracker

  Your debt-free date and a month-by-month payoff plan for up to 15 debts. Snowball vs avalanche side by side with the interest each one costs, a payment log with On track / Ahead / Behind, milestones, and a printable debt-free coloring chart. 7 tabs.

• Sinking Funds 2027

  A savings jar for every bill or goal you know is coming: car insurance, holidays, back to school. What to put aside each month, what's due soon, a deposits and withdrawals log, a monthly plan and a printable fund tracker to color in. 6 tabs.

• Net Worth Tracker

  What you own, what you owe and the trend that matters. List every account once, type balances once a month, and see net worth, own vs owe, milestones ($10k, $25k, $50k…), net worth by month and a printable Year Review. 5 tabs.

Why the set

• One plan: debt payments and sinking funds are categories in the budget, the debts and jars are tracked in their own files, and net worth shows the result
• Same layout and the same cream-cell / gray-cell rules in all four, so you learn it once
• One sample household (Jordan & Casey) across all four, so you can see how the numbers line up; clearing it takes a few minutes per file
• Great for couples: names for both of you, and who spent what in the budget
• Any currency. Built by a data analyst: every number is a formula you can trace. No subscription, no app

How you get it

1. 1

   Download on Etsy

   Buy the set on Etsy, then download START-HERE.pdf and the Excel .zip from your Purchases.

   How to download
2. 2

   Make a copy

   Click each MAKE A COPY button in the PDF, one per spreadsheet: your copies are saved to your Google Drive. Prefer Excel? Open the .xlsx files.

   How to make your copy
3. 3

   Start

   Follow the Start Here tab. Type in the cream cells; the gray cells do the math for you.

   Clearing the sample data

You receive:

• START-HERE.pdf — Google Sheets links + quick guide
• january-money-reset-excel.zip — Excel versions, one folder per template

Good to know

• These are four separate files: nothing is linked between them, so each one also works on its own. You type your monthly amounts in each file.
• Best used on a computer; you can view them in the Google Sheets app on your phone.
• Personal use only. Please do not resell or share the files.

Planning tools, not financial advice.

Designed by me with the help of AI tools.