Hi guys!!! I've gotten a few asks about budgeting and handling money better — a post on that is in the works now — but I figured I would share the budgeting/expenses Google sheet that I made and have been using for about two years.
This is a link to the spreadsheet & under the "read more" I'll kind of go into detail about what it is, how to use it, and how to customize it to fit your needs.
I like using Google Docs because it's easy to access on both phone and computer so regardless of where you are you can quickly open it up and note down if you spend something or see how much you have left to spend on something. (I'll make a follow-up post at some point going over the process of making a reasonable budget and all that good stuff a little bit later, this post is really just about what the document is and how to use it ^-^)
You need to make your own copy of the spreadsheet so that you can start to edit and use it! When you open up the document click on "File" then select "Make a Copy"
2. Now that you have your own copy let's look at the "Monthly Expenses" part of the document.
This is the main part - your monthly expenses. I have it broken down into different categories so I can see how much money I'm spending on what, and notice if I'm spending too much on something. DO NOT EDIT THE COLOURED BOXES. Those are auto-updating, so you don't want to edit them or they won't auto-update anymore.
The monthly expenses table pulls data from this table down towards the bottom of the spreadsheet. This is where you can note down anything you spend money on. You have a drop-down menu to select what category the purchase falls under, what payment method you used, the total, and any notes about the purchase. The document will automatically add up any values for a category and put the total into the table at the top - that way you don't have to do any math at all its awesome.
CHANGING CATEGORY NAMES (please pay attention to this since if you change category names without following these steps it will not work anymore)
You need to change the category name in 3 different places.
1- Change the name on the "Monthy Expenses" table
2- Change the name in the formatting code in the "actual" part of the "monthly expenses table"
When you click on the value under the "actual" part of the monthly expenses table you should see something that looks like "=SUMIF(E36:E1002, "Eating Out", G36:G1002)" then just change "Eating Out" to whatever your preferred category name is.
3- Change the name in the drop-down options of the daily purchases part of the document
When you click on the dropdown menu, click the edit button. That will open the menu on the right-hand side of the screen, scroll down and change whichever category name you want to edit to the preferred category name.
Make sure that it is spelled the SAME WAY in all 3 of these places or it will not work properly!! I also made a short video showing how I would change the category "nicotine" to "fashion" to show you how it's done:
Once you've done that everything should auto-update properly, and the spending chart will update with the new name as well no need to edit the pie chart at all.
And this pie chart will automatically update to show you a visual of how much money you're spending on what (comparatively).
If you want to change the category names of the payment methods those you can just change in the drop-down edit menu - the names of those do not affect anything so you can change their names, add new ones, delete ones, whatever you want to do and you don't have to worry about anything else getting messed up.
3. The monthly income table is just tracking what your projected income vs. actual income was for the month
again, don't type in the coloured boxes, they will automatically update. I mostly use this as a sort of starting point for planning my budget so that I can sort of see how much money I expect to have for the month so I can plan around that number. This doesn't affect anything else in the document, so if you don't like it you can honestly delete it.
4. Savings and Debts trackers
Again, these aren't tied to anything else in the document so you can delete them if you like. I mostly use these to see whether my savings are going up or down, and keep track of how much money I owe to other people T-T. One note I will make is that the debts tracker does not take interest into account so I honestly just manually update it every month. (It is not a very extensive tracker, and if you need to manage debt there are honestly better ways to do it than this, I just kind of have it in here as a visual for myself).
If you run into any issues or have any trouble formatting / customizing the document feel free to shoot me a DM or an ask and I will help you out!
And again, post about budgeting and fiscal responsibility and all that jazz coming later, but for now try it and see if you like it! See if you can log every purchase you make for a week! That way you'll be able to start seeing what you tend to spend your money on the most, and how much money you spend, and then we can kind of build a budget later on with that in mind ^-^
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the subscription audit is humbling
the tiniest recurring charges are always the ones acting innocent. $6 here, $12 there, then suddenly the budget has a little leak nobody approved.
once a month i check what i used, what i forgot, and what quietly raised the price. boring, but it saves real money.
spending patterns are so rude because they do not feel like patterns while you are living them.
they feel like one coffee, one quick order, one tiny errand.
then the total shows up with receipts.
the spending audit always starts as a cute little check-in and ends with one category staring back like it pays rent.
this is why i like seeing the pattern before it becomes my whole month.
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Compare the best receipt scanning apps of 2026 — Dext, Expensify, Shoeboxed, QuickBooks and Zoho Expense — across pricing, use cases and features, with direct links.
a tiny budget reset that does not ask for a whole personality change.
just check what came in, what went out, and which category started acting too confident.
the carousel calling out the little convenience taxes hurt a little.
coffee delivery, Grab, lunch delivery, all the things that felt too small to matter until they added up.
Money Vault making the total visible is rude but honestly useful.
