Description
Start 2027 with a plan for every dollar. A zero-based monthly budget for all 12 months, debt snowball and avalanche trackers you color in as you pay, sinking funds for the big yearly costs, savings challenges, a bill tracker and a year-end review — as a hyperlinked digital planner and a printable PDF.
What’s inside (57 pages)
- Money goals, net worth (Jan / Jul / Dec) & year at a glance
- Bill tracker & subscriptions audit
- Sinking funds planner + 12 sinking fund trackers
- Debt overview, snowball vs. avalanche guide & payoff plan
- Color-in debt payoff trackers & debt payment log
- Savings thermometers, 52-week & 100-envelope challenges
- 12 months: zero-based budget, spending tracker, no-spend calendar & review
- Year-end review · digital edition with tabs on every page
Two formats included
- Digital (hyperlinked): tap the tabs on every page to jump to any month or section — for GoodNotes, Notability, Xodo and other PDF annotation apps on iPad, Android tablets and computers.
- Printable: US Letter and A4, ready for a binder.
Good to know
- This is a digital download — nothing is shipped.
- You need a PDF annotation app (like GoodNotes or Notability) to write on the digital version.
- An organizing tool, not financial advice.
- License: personal use.
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