The Penny Pals’ easy to use spending plan template will help you budget your income, track your spending and save following The Penny Pals recommended saving pots.
The formulas have already been input into the document and The Penny Pal calculator will automatically calculate your budget for the month based on your income. The document includes an instructions page with a step-by-step guide on how to use the sheet.
The spending plan has been set up to last just over 1 year (Jan 2019 - Mar 2019) giving you plenty of time to get into the habit of sticking to a spending plan. The sheet is set up ready to be personalised for your use and locked with a password (provided with receipt) so your finance information is kept safe!