{"title":"Budget Spreadsheets","description":"\u003cp\u003eProsper budget spreadsheets for Excel and Google Sheets. Plan every paycheque, smooth your bills, plan extra paycheques and give every dollar a job. 4 colour themes, instant download.\u003c\/p\u003e","products":[{"product_id":"biweekly-budget-spreadsheet-bundle","title":"Biweekly Budget Spreadsheet Bundle – 4 Themes","description":"\u003ch3\u003eAll 4 Themes\u003c\/h3\u003e\n\u003cp\u003eEmerald, Blush Pink, Dark Mode and Ocean Blue. Pick a look for each family member or switch whenever you like.\u003c\/p\u003e\n\u003cp\u003ePaid every two weeks? Then your bills are monthly but your money is not, and two or three times a year a third paycheque lands in one month. The Prosper Biweekly Budget is built for exactly that: all 26 (or 27) paydays dated for you, your bills smoothed through a separate bills account, and your extra paycheques planned before they arrive. It opens with a Biweekly Roadmap and a Dera Tip on every tab.\u003c\/p\u003e\n\u003ch3\u003eWhy Biweekly Earners Love It\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eType your first payday once: every payday of the year is dated, with 3-paycheque months highlighted\u003c\/li\u003e\n\u003cli\u003eTwo proven methods: \"Free 3rd cheques\" (bills paid from two cheques a month, every 3rd cheque is yours) or \"Even split\" (the same 12\/26 set-aside from every cheque)\u003c\/li\u003e\n\u003cli\u003eBills account balance after every cheque, plus the starting cushion you need so it never goes negative\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques planner: split each extra cheque between debt, savings and fun, and see the total for the year\u003c\/li\u003e\n\u003cli\u003eLeft to assign turns green at 0 on every cheque\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e8 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Biweekly Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: first payday, take-home pay, method, bills-account balance and 8 spending lines with 3rd-cheque %\u003c\/li\u003e\n\u003cli\u003eBills: monthly bills with due days and the per-cheque amount for both methods\u003c\/li\u003e\n\u003cli\u003ePay Calendar: a 12-month calendar with every payday and extra cheque coloured in\u003c\/li\u003e\n\u003cli\u003ePaycheques: every cheque with bill set-aside, your plan, left to assign, bills due and bills-account balance\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques: dates, amounts and your plan for each extra cheque\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log that lands in the right cheque by date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, extra cheques, saved, extra debt paid, cushion needed, next payday and two charts\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built only for biweekly pay. The Prosper Ultimate Budget System plans by month; this one plans the 26 cheques that fund it. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Biweekly_Budget_1_Emerald (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_2_BlushPink (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_3_DarkMode (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_4_OceanBlue (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eEach theme zip holds a BLANK and a DEMO .xlsx.\u003c\/p\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981362708652,"sku":"DERA-PROSPER-BIWEEKLY-BUDGET-ALL-4-THEMES-BUN","price":18.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Biweekly_Budget_All_4_Themes_Bundle__01_Bundle_Hero.jpg?v=1793532143"},{"product_id":"pink-biweekly-budget-spreadsheet","title":"Pink Biweekly Budget Spreadsheet – Paycheck Budget","description":"\u003ch3\u003eTheme: Blush Pink\u003c\/h3\u003e\n\u003cp\u003eSoft blush pink. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003ePaid every two weeks? Then your bills are monthly but your money is not, and two or three times a year a third paycheque lands in one month. The Prosper Biweekly Budget is built for exactly that: all 26 (or 27) paydays dated for you, your bills smoothed through a separate bills account, and your extra paycheques planned before they arrive. It opens with a Biweekly Roadmap and a Dera Tip on every tab.\u003c\/p\u003e\n\u003ch3\u003eWhy Biweekly Earners Love It\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eType your first payday once: every payday of the year is dated, with 3-paycheque months highlighted\u003c\/li\u003e\n\u003cli\u003eTwo proven methods: \"Free 3rd cheques\" (bills paid from two cheques a month, every 3rd cheque is yours) or \"Even split\" (the same 12\/26 set-aside from every cheque)\u003c\/li\u003e\n\u003cli\u003eBills account balance after every cheque, plus the starting cushion you need so it never goes negative\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques planner: split each extra cheque between debt, savings and fun, and see the total for the year\u003c\/li\u003e\n\u003cli\u003eLeft to assign turns green at 0 on every cheque\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e8 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Biweekly Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: first payday, take-home pay, method, bills-account balance and 8 spending lines with 3rd-cheque %\u003c\/li\u003e\n\u003cli\u003eBills: monthly bills with due days and the per-cheque amount for both methods\u003c\/li\u003e\n\u003cli\u003ePay Calendar: a 12-month calendar with every payday and extra cheque coloured in\u003c\/li\u003e\n\u003cli\u003ePaycheques: every cheque with bill set-aside, your plan, left to assign, bills due and bills-account balance\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques: dates, amounts and your plan for each extra cheque\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log that lands in the right cheque by date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, extra cheques, saved, extra debt paid, cushion needed, next payday and two charts\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built only for biweekly pay. The Prosper Ultimate Budget System plans by month; this one plans the 26 cheques that fund it. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Biweekly_Budget_BlushPink_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_BlushPink_DEMO.xlsx (a full example year)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981362741420,"sku":"DERA-PROSPER-BIWEEKLY-BUDGET-BLUSHPINK","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Biweekly_Budget_BlushPink__01_Hero.jpg?v=1793532143"},{"product_id":"dark-mode-biweekly-budget-spreadsheet","title":"Dark Mode Biweekly Budget Spreadsheet – Paycheck Budget","description":"\u003ch3\u003eTheme: Dark Mode\u003c\/h3\u003e\n\u003cp\u003eEasy-on-the-eyes dark mode with gold. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003ePaid every two weeks? Then your bills are monthly but your money is not, and two or three times a year a third paycheque lands in one month. The Prosper Biweekly Budget is built for exactly that: all 26 (or 27) paydays dated for you, your bills smoothed through a separate bills account, and your extra paycheques planned before they arrive. It opens with a Biweekly Roadmap and a Dera Tip on every tab.\u003c\/p\u003e\n\u003ch3\u003eWhy Biweekly Earners Love It\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eType your first payday once: every payday of the year is dated, with 3-paycheque months highlighted\u003c\/li\u003e\n\u003cli\u003eTwo proven methods: \"Free 3rd cheques\" (bills paid from two cheques a month, every 3rd cheque is yours) or \"Even split\" (the same 12\/26 set-aside from every cheque)\u003c\/li\u003e\n\u003cli\u003eBills account balance after every cheque, plus the starting cushion you need so it never goes negative\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques planner: split each extra cheque between debt, savings and fun, and see the total for the year\u003c\/li\u003e\n\u003cli\u003eLeft to assign turns green at 0 on every cheque\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e8 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Biweekly Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: first payday, take-home pay, method, bills-account balance and 8 spending lines with 3rd-cheque %\u003c\/li\u003e\n\u003cli\u003eBills: monthly bills with due days and the per-cheque amount for both methods\u003c\/li\u003e\n\u003cli\u003ePay Calendar: a 12-month calendar with every payday and extra cheque coloured in\u003c\/li\u003e\n\u003cli\u003ePaycheques: every cheque with bill set-aside, your plan, left to assign, bills due and bills-account balance\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques: dates, amounts and your plan for each extra cheque\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log that lands in the right cheque by date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, extra cheques, saved, extra debt paid, cushion needed, next payday and two charts\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built only for biweekly pay. The Prosper Ultimate Budget System plans by month; this one plans the 26 cheques that fund it. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Biweekly_Budget_DarkMode_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_DarkMode_DEMO.xlsx (a full example year)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981362774188,"sku":"DERA-PROSPER-BIWEEKLY-BUDGET-DARKMODE","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Biweekly_Budget_DarkMode__01_Hero.jpg?v=1793532143"},{"product_id":"green-biweekly-budget-spreadsheet","title":"Green Biweekly Budget Spreadsheet – Paycheck Budget","description":"\u003ch3\u003eTheme: Emerald\u003c\/h3\u003e\n\u003cp\u003eRich emerald green. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003ePaid every two weeks? Then your bills are monthly but your money is not, and two or three times a year a third paycheque lands in one month. The Prosper Biweekly Budget is built for exactly that: all 26 (or 27) paydays dated for you, your bills smoothed through a separate bills account, and your extra paycheques planned before they arrive. It opens with a Biweekly Roadmap and a Dera Tip on every tab.\u003c\/p\u003e\n\u003ch3\u003eWhy Biweekly Earners Love It\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eType your first payday once: every payday of the year is dated, with 3-paycheque months highlighted\u003c\/li\u003e\n\u003cli\u003eTwo proven methods: \"Free 3rd cheques\" (bills paid from two cheques a month, every 3rd cheque is yours) or \"Even split\" (the same 12\/26 set-aside from every cheque)\u003c\/li\u003e\n\u003cli\u003eBills account balance after every cheque, plus the starting cushion you need so it never goes negative\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques planner: split each extra cheque between debt, savings and fun, and see the total for the year\u003c\/li\u003e\n\u003cli\u003eLeft to assign turns green at 0 on every cheque\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e8 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Biweekly Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: first payday, take-home pay, method, bills-account balance and 8 spending lines with 3rd-cheque %\u003c\/li\u003e\n\u003cli\u003eBills: monthly bills with due days and the per-cheque amount for both methods\u003c\/li\u003e\n\u003cli\u003ePay Calendar: a 12-month calendar with every payday and extra cheque coloured in\u003c\/li\u003e\n\u003cli\u003ePaycheques: every cheque with bill set-aside, your plan, left to assign, bills due and bills-account balance\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques: dates, amounts and your plan for each extra cheque\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log that lands in the right cheque by date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, extra cheques, saved, extra debt paid, cushion needed, next payday and two charts\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built only for biweekly pay. The Prosper Ultimate Budget System plans by month; this one plans the 26 cheques that fund it. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Biweekly_Budget_Emerald_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_Emerald_DEMO.xlsx (a full example year)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981362806956,"sku":"DERA-PROSPER-BIWEEKLY-BUDGET-EMERALD","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Biweekly_Budget_Emerald__01_Hero.jpg?v=1793532143"},{"product_id":"blue-biweekly-budget-spreadsheet","title":"Blue Biweekly Budget Spreadsheet – Paycheck Budget","description":"\u003ch3\u003eTheme: Ocean Blue\u003c\/h3\u003e\n\u003cp\u003eCalm ocean blue. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003ePaid every two weeks? Then your bills are monthly but your money is not, and two or three times a year a third paycheque lands in one month. The Prosper Biweekly Budget is built for exactly that: all 26 (or 27) paydays dated for you, your bills smoothed through a separate bills account, and your extra paycheques planned before they arrive. It opens with a Biweekly Roadmap and a Dera Tip on every tab.\u003c\/p\u003e\n\u003ch3\u003eWhy Biweekly Earners Love It\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eType your first payday once: every payday of the year is dated, with 3-paycheque months highlighted\u003c\/li\u003e\n\u003cli\u003eTwo proven methods: \"Free 3rd cheques\" (bills paid from two cheques a month, every 3rd cheque is yours) or \"Even split\" (the same 12\/26 set-aside from every cheque)\u003c\/li\u003e\n\u003cli\u003eBills account balance after every cheque, plus the starting cushion you need so it never goes negative\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques planner: split each extra cheque between debt, savings and fun, and see the total for the year\u003c\/li\u003e\n\u003cli\u003eLeft to assign turns green at 0 on every cheque\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e8 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Biweekly Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: first payday, take-home pay, method, bills-account balance and 8 spending lines with 3rd-cheque %\u003c\/li\u003e\n\u003cli\u003eBills: monthly bills with due days and the per-cheque amount for both methods\u003c\/li\u003e\n\u003cli\u003ePay Calendar: a 12-month calendar with every payday and extra cheque coloured in\u003c\/li\u003e\n\u003cli\u003ePaycheques: every cheque with bill set-aside, your plan, left to assign, bills due and bills-account balance\u003c\/li\u003e\n\u003cli\u003eExtra Paycheques: dates, amounts and your plan for each extra cheque\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log that lands in the right cheque by date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, extra cheques, saved, extra debt paid, cushion needed, next payday and two charts\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built only for biweekly pay. The Prosper Ultimate Budget System plans by month; this one plans the 26 cheques that fund it. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Biweekly_Budget_OceanBlue_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_OceanBlue_DEMO.xlsx (a full example year)\u003c\/li\u003e\n\u003cli\u003eProsper_Biweekly_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981370998956,"sku":"DERA-PROSPER-BIWEEKLY-BUDGET-OCEANBLUE","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Biweekly_Budget_OceanBlue__01_Hero.jpg?v=1793532143"},{"product_id":"paycheck-budget-spreadsheet-bundle","title":"Paycheck Budget Spreadsheet Bundle – 4 Themes","description":"\u003ch3\u003eAll 4 Themes\u003c\/h3\u003e\n\u003cp\u003eEmerald, Blush Pink, Dark Mode and Ocean Blue. Pick a look for each family member or switch whenever you like.\u003c\/p\u003e\n\u003cp\u003eMost budgets are monthly. Your money is not - it arrives one paycheque at a time. The Prosper Paycheque Budget plans every single cheque: which bills it must pay, how much goes to savings and debt, and what is left for groceries, gas and fun, until every dollar has a job. It opens with a Payday Roadmap, so you know exactly what to do the day you get paid.\u003c\/p\u003e\n\u003ch3\u003eWhy It Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBills are matched to the paycheque that lands BEFORE they are due, automatically - no more rent surprises\u003c\/li\u003e\n\u003cli\u003eEvery paycheque of the year is laid out for you: weekly, biweekly, semi-monthly or monthly\u003c\/li\u003e\n\u003cli\u003eIrregular or shift pay? Type your real pay dates and everything follows\u003c\/li\u003e\n\u003cli\u003e\"Left to assign\" turns green at 0, amber when money still needs a job, red when a cheque is over-committed\u003c\/li\u003e\n\u003cli\u003ePaycheque View: one cheque at a time with its bills, plan vs spent and a payday checklist\u003c\/li\u003e\n\u003cli\u003eA Dera Tip on every tab (\"Never borrow from the next cheque - move money between lines of THIS one.\")\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e7 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Payday Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: pay frequency, first payday, take-home pay, buffer and 8 spending lines with defaults\u003c\/li\u003e\n\u003cli\u003eBills: 50 bills with due day, category and autopay\u003c\/li\u003e\n\u003cli\u003ePaycheques: up to 53 cheques with bills due, your plan, left to assign, status and spent so far\u003c\/li\u003e\n\u003cli\u003ePaycheque View: choose a cheque and see exactly what to pay and what is left\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log; each line lands in the right cheque by its date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, bills, saved, extra debt paid, cheques balanced, bills by category\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built differently: it plans each paycheque, while the Prosper Ultimate Budget System plans each month. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Paycheque_Budget_1_Emerald (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_2_BlushPink (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_3_DarkMode (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_4_OceanBlue (zip)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eEach theme zip holds a BLANK and a DEMO .xlsx.\u003c\/p\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981371031724,"sku":"DERA-PROSPER-PAYCHEQUE-BUDGET-ALL-4-THEMES-BU","price":18.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Paycheque_Budget_All_4_Themes_Bundle__01_Bundle_Hero.jpg?v=1793532143"},{"product_id":"pink-paycheck-budget-spreadsheet","title":"Pink Paycheck Budget Spreadsheet – Budget by Paycheck","description":"\u003ch3\u003eTheme: Blush Pink\u003c\/h3\u003e\n\u003cp\u003eSoft blush pink. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003eMost budgets are monthly. Your money is not - it arrives one paycheque at a time. The Prosper Paycheque Budget plans every single cheque: which bills it must pay, how much goes to savings and debt, and what is left for groceries, gas and fun, until every dollar has a job. It opens with a Payday Roadmap, so you know exactly what to do the day you get paid.\u003c\/p\u003e\n\u003ch3\u003eWhy It Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBills are matched to the paycheque that lands BEFORE they are due, automatically - no more rent surprises\u003c\/li\u003e\n\u003cli\u003eEvery paycheque of the year is laid out for you: weekly, biweekly, semi-monthly or monthly\u003c\/li\u003e\n\u003cli\u003eIrregular or shift pay? Type your real pay dates and everything follows\u003c\/li\u003e\n\u003cli\u003e\"Left to assign\" turns green at 0, amber when money still needs a job, red when a cheque is over-committed\u003c\/li\u003e\n\u003cli\u003ePaycheque View: one cheque at a time with its bills, plan vs spent and a payday checklist\u003c\/li\u003e\n\u003cli\u003eA Dera Tip on every tab (\"Never borrow from the next cheque - move money between lines of THIS one.\")\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e7 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Payday Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: pay frequency, first payday, take-home pay, buffer and 8 spending lines with defaults\u003c\/li\u003e\n\u003cli\u003eBills: 50 bills with due day, category and autopay\u003c\/li\u003e\n\u003cli\u003ePaycheques: up to 53 cheques with bills due, your plan, left to assign, status and spent so far\u003c\/li\u003e\n\u003cli\u003ePaycheque View: choose a cheque and see exactly what to pay and what is left\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log; each line lands in the right cheque by its date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, bills, saved, extra debt paid, cheques balanced, bills by category\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built differently: it plans each paycheque, while the Prosper Ultimate Budget System plans each month. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Paycheque_Budget_BlushPink_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_BlushPink_DEMO.xlsx (a full biweekly example)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981379223724,"sku":"DERA-PROSPER-PAYCHEQUE-BUDGET-BLUSHPINK","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Paycheque_Budget_BlushPink__01_Hero.jpg?v=1793532143"},{"product_id":"dark-mode-paycheck-budget-spreadsheet","title":"Dark Mode Paycheck Budget Spreadsheet – Budget by Paycheck","description":"\u003ch3\u003eTheme: Dark Mode\u003c\/h3\u003e\n\u003cp\u003eEasy-on-the-eyes dark mode with gold. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003eMost budgets are monthly. Your money is not - it arrives one paycheque at a time. The Prosper Paycheque Budget plans every single cheque: which bills it must pay, how much goes to savings and debt, and what is left for groceries, gas and fun, until every dollar has a job. It opens with a Payday Roadmap, so you know exactly what to do the day you get paid.\u003c\/p\u003e\n\u003ch3\u003eWhy It Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBills are matched to the paycheque that lands BEFORE they are due, automatically - no more rent surprises\u003c\/li\u003e\n\u003cli\u003eEvery paycheque of the year is laid out for you: weekly, biweekly, semi-monthly or monthly\u003c\/li\u003e\n\u003cli\u003eIrregular or shift pay? Type your real pay dates and everything follows\u003c\/li\u003e\n\u003cli\u003e\"Left to assign\" turns green at 0, amber when money still needs a job, red when a cheque is over-committed\u003c\/li\u003e\n\u003cli\u003ePaycheque View: one cheque at a time with its bills, plan vs spent and a payday checklist\u003c\/li\u003e\n\u003cli\u003eA Dera Tip on every tab (\"Never borrow from the next cheque - move money between lines of THIS one.\")\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e7 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Payday Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: pay frequency, first payday, take-home pay, buffer and 8 spending lines with defaults\u003c\/li\u003e\n\u003cli\u003eBills: 50 bills with due day, category and autopay\u003c\/li\u003e\n\u003cli\u003ePaycheques: up to 53 cheques with bills due, your plan, left to assign, status and spent so far\u003c\/li\u003e\n\u003cli\u003ePaycheque View: choose a cheque and see exactly what to pay and what is left\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log; each line lands in the right cheque by its date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, bills, saved, extra debt paid, cheques balanced, bills by category\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built differently: it plans each paycheque, while the Prosper Ultimate Budget System plans each month. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Paycheque_Budget_DarkMode_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_DarkMode_DEMO.xlsx (a full biweekly example)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981379256492,"sku":"DERA-PROSPER-PAYCHEQUE-BUDGET-DARKMODE","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Paycheque_Budget_DarkMode__01_Hero.jpg?v=1793532143"},{"product_id":"green-paycheck-budget-spreadsheet","title":"Green Paycheck Budget Spreadsheet – Budget by Paycheck","description":"\u003ch3\u003eTheme: Emerald\u003c\/h3\u003e\n\u003cp\u003eRich emerald green. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003eMost budgets are monthly. Your money is not - it arrives one paycheque at a time. The Prosper Paycheque Budget plans every single cheque: which bills it must pay, how much goes to savings and debt, and what is left for groceries, gas and fun, until every dollar has a job. It opens with a Payday Roadmap, so you know exactly what to do the day you get paid.\u003c\/p\u003e\n\u003ch3\u003eWhy It Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBills are matched to the paycheque that lands BEFORE they are due, automatically - no more rent surprises\u003c\/li\u003e\n\u003cli\u003eEvery paycheque of the year is laid out for you: weekly, biweekly, semi-monthly or monthly\u003c\/li\u003e\n\u003cli\u003eIrregular or shift pay? Type your real pay dates and everything follows\u003c\/li\u003e\n\u003cli\u003e\"Left to assign\" turns green at 0, amber when money still needs a job, red when a cheque is over-committed\u003c\/li\u003e\n\u003cli\u003ePaycheque View: one cheque at a time with its bills, plan vs spent and a payday checklist\u003c\/li\u003e\n\u003cli\u003eA Dera Tip on every tab (\"Never borrow from the next cheque - move money between lines of THIS one.\")\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e7 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Payday Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: pay frequency, first payday, take-home pay, buffer and 8 spending lines with defaults\u003c\/li\u003e\n\u003cli\u003eBills: 50 bills with due day, category and autopay\u003c\/li\u003e\n\u003cli\u003ePaycheques: up to 53 cheques with bills due, your plan, left to assign, status and spent so far\u003c\/li\u003e\n\u003cli\u003ePaycheque View: choose a cheque and see exactly what to pay and what is left\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log; each line lands in the right cheque by its date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, bills, saved, extra debt paid, cheques balanced, bills by category\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built differently: it plans each paycheque, while the Prosper Ultimate Budget System plans each month. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Paycheque_Budget_Emerald_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_Emerald_DEMO.xlsx (a full biweekly example)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981387448492,"sku":"DERA-PROSPER-PAYCHEQUE-BUDGET-EMERALD","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Paycheque_Budget_Emerald__01_Hero.jpg?v=1793532143"},{"product_id":"blue-paycheck-budget-spreadsheet","title":"Blue Paycheck Budget Spreadsheet – Budget by Paycheck","description":"\u003ch3\u003eTheme: Ocean Blue\u003c\/h3\u003e\n\u003cp\u003eCalm ocean blue. Also available in 3 more themes and as an \"All 4 Themes\" bundle.\u003c\/p\u003e\n\u003cp\u003eMost budgets are monthly. Your money is not - it arrives one paycheque at a time. The Prosper Paycheque Budget plans every single cheque: which bills it must pay, how much goes to savings and debt, and what is left for groceries, gas and fun, until every dollar has a job. It opens with a Payday Roadmap, so you know exactly what to do the day you get paid.\u003c\/p\u003e\n\u003ch3\u003eWhy It Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBills are matched to the paycheque that lands BEFORE they are due, automatically - no more rent surprises\u003c\/li\u003e\n\u003cli\u003eEvery paycheque of the year is laid out for you: weekly, biweekly, semi-monthly or monthly\u003c\/li\u003e\n\u003cli\u003eIrregular or shift pay? Type your real pay dates and everything follows\u003c\/li\u003e\n\u003cli\u003e\"Left to assign\" turns green at 0, amber when money still needs a job, red when a cheque is over-committed\u003c\/li\u003e\n\u003cli\u003ePaycheque View: one cheque at a time with its bills, plan vs spent and a payday checklist\u003c\/li\u003e\n\u003cli\u003eA Dera Tip on every tab (\"Never borrow from the next cheque - move money between lines of THIS one.\")\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e7 Tabs\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eStart Here: your Payday Roadmap and tab map\u003c\/li\u003e\n\u003cli\u003eSetup: pay frequency, first payday, take-home pay, buffer and 8 spending lines with defaults\u003c\/li\u003e\n\u003cli\u003eBills: 50 bills with due day, category and autopay\u003c\/li\u003e\n\u003cli\u003ePaycheques: up to 53 cheques with bills due, your plan, left to assign, status and spent so far\u003c\/li\u003e\n\u003cli\u003ePaycheque View: choose a cheque and see exactly what to pay and what is left\u003c\/li\u003e\n\u003cli\u003eSpending: a 600-row log; each line lands in the right cheque by its date\u003c\/li\u003e\n\u003cli\u003eDashboard: income, bills, saved, extra debt paid, cheques balanced, bills by category\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eAlready Have A Prosper Budget?\u003c\/h3\u003e\n\u003cp\u003eThis edition is built differently: it plans each paycheque, while the Prosper Ultimate Budget System plans each month. Use them side by side or on their own.\u003c\/p\u003e\n\u003ch3\u003eYou Will Receive\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eProsper_Paycheque_Budget_OceanBlue_BLANK.xlsx\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_OceanBlue_DEMO.xlsx (a full biweekly example)\u003c\/li\u003e\n\u003cli\u003eProsper_Paycheque_Budget_Quick_Start_Guide.pdf\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWorks With\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel (Windows, Mac, 365) and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eLaptop, desktop, tablet and phone. No macros, no add-ons. Any currency.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDigital download only. Nothing is shipped.\u003c\/li\u003e\n\u003cli\u003eCharts may look slightly different in Google Sheets; the numbers are identical.\u003c\/li\u003e\n\u003cli\u003eThis is a budgeting tool for information only, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please do not share or resell the files.\u003c\/li\u003e\n\u003cli\u003eAll designs, text and artwork are original Dera Brand work.\u003c\/li\u003e\n\u003cli\u003eQuestions? Use our Contact page. I reply quickly and I am happy to help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand. Bold and Timeless.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":47981387481260,"sku":"DERA-PROSPER-PAYCHEQUE-BUDGET-OCEANBLUE","price":9.59,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Paycheque_Budget_OceanBlue__01_Hero.jpg?v=1793532143"},{"product_id":"calm-blue-adhd-budget-spreadsheet","title":"Calm Blue ADHD Budget Spreadsheet – Safe to Spend Tracker","description":"\u003cp\u003e💙 Calm Blue edition: a soothing navy-and-sky look that keeps money feeling quiet, clear and under control.\u003c\/p\u003e\n\u003cp\u003e🧠 One number. No shame. A budget built for ADHD brains.\u003c\/p\u003e\n\u003cp\u003eCalm Money tells you exactly what's SAFE TO SPEND TODAY, and quietly handles the rest. Missed a week? Update one number and carry on. Nothing breaks.\u003c\/p\u003e\n\u003ch3\u003eWhy Calm Money Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Excel AND Google Sheets (most ADHD budgets are Sheets only)\u003c\/li\u003e\n\u003cli\u003eSafe to Spend: today, this week and until payday, after bills, holds and a safety buffer\u003c\/li\u003e\n\u003cli\u003eImpulse Pause: park a want for 24 hours, 48 hours, 7 or 30 days. The money is held. Skip it and it counts as saved\u003c\/li\u003e\n\u003cli\u003eADHD Tax Tracker: late fees, forgotten trials, rush shipping, lost things. Watch the total shrink\u003c\/li\u003e\n\u003cli\u003eLevel Up: XP, 20 levels, 16 badges, streaks and rewards you choose\u003c\/li\u003e\n\u003cli\u003eWeekly Money Date: a guided 15-minute check-in that ends with a celebration\u003c\/li\u003e\n\u003cli\u003eHyperfixation and seasonal buckets: move money between interests with zero guilt\u003c\/li\u003e\n\u003cli\u003ePaste your bank CSV: keyword rules sort every transaction for you\u003c\/li\u003e\n\u003cli\u003eBills tick themselves off and roll to the next due date. Subscriptions worth cancelling are flagged\u003c\/li\u003e\n\u003cli\u003eAny currency. Weekly, every 2 weeks, twice a month or monthly pay\u003c\/li\u003e\n\u003cli\u003eKind, shame-free wording everywhere. Numbers are information, never a judgement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e17 Tabs\u003c\/h3\u003e\n\u003cp\u003eStart Here · Home · Transactions · Monthly Budget · Bills \u0026amp; Subs · Savings Buckets · Debt Payoff · Impulse Pause · ADHD Tax · Money Date · Level Up · Annual Overview · Net Worth · Insights · Categories \u0026amp; Rules · Settings · Help \u0026amp; FAQ\u003c\/p\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCalmMoney_CalmBlue_BLANK.xlsx: your budget, ready to fill in\u003c\/li\u003e\n\u003cli\u003eCalmMoney_CalmBlue_DEMO.xlsx: the same budget filled with example data, so you can explore first\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow To Start (about 15 minutes)\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the guide PDF and click your \"Make a copy\" link. Excel: open the BLANK .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 7 tiny setup steps on the Start Here tab.\u003c\/li\u003e\n\u003cli\u003eCheck one number every day. That's it.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Type the new year in Settings. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Not for Apple Numbers.\u003c\/li\u003e\n\u003cli\u003eSetup is easiest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eNo bank connection. You type or paste your own data, and it stays private in your file.\u003c\/li\u003e\n\u003cli\u003eEnglish only. Prices show your chosen currency symbol.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisation tool for information only, not financial, tax or legal advice.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e💡 Want all 5 themes (Calm Blue, Soft Pastel, Dark Mode, High Contrast, Rainbow)? Look for the Calm Money 5-Theme Bundle in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48012589826220,"sku":"DERA-CALMMONEY-CALMBLUE","price":14.4,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/CalmMoney_CalmBlue__01_Safe_To_Spend_Hero.png?v=1793550443"},{"product_id":"soft-pastel-adhd-budget-spreadsheet","title":"Soft Pastel ADHD Budget Spreadsheet – Safe to Spend Tracker","description":"\u003cp\u003e🌸 Soft Pastel edition: gentle pink, lavender and mint, so opening your budget feels like a treat, not a chore.\u003c\/p\u003e\n\u003cp\u003e🧠 One number. No shame. A budget built for ADHD brains.\u003c\/p\u003e\n\u003cp\u003eCalm Money tells you exactly what's SAFE TO SPEND TODAY, and quietly handles the rest. Missed a week? Update one number and carry on. Nothing breaks.\u003c\/p\u003e\n\u003ch3\u003eWhy Calm Money Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Excel AND Google Sheets (most ADHD budgets are Sheets only)\u003c\/li\u003e\n\u003cli\u003eSafe to Spend: today, this week and until payday, after bills, holds and a safety buffer\u003c\/li\u003e\n\u003cli\u003eImpulse Pause: park a want for 24 hours, 48 hours, 7 or 30 days. The money is held. Skip it and it counts as saved\u003c\/li\u003e\n\u003cli\u003eADHD Tax Tracker: late fees, forgotten trials, rush shipping, lost things. Watch the total shrink\u003c\/li\u003e\n\u003cli\u003eLevel Up: XP, 20 levels, 16 badges, streaks and rewards you choose\u003c\/li\u003e\n\u003cli\u003eWeekly Money Date: a guided 15-minute check-in that ends with a celebration\u003c\/li\u003e\n\u003cli\u003eHyperfixation and seasonal buckets: move money between interests with zero guilt\u003c\/li\u003e\n\u003cli\u003ePaste your bank CSV: keyword rules sort every transaction for you\u003c\/li\u003e\n\u003cli\u003eBills tick themselves off and roll to the next due date. Subscriptions worth cancelling are flagged\u003c\/li\u003e\n\u003cli\u003eAny currency. Weekly, every 2 weeks, twice a month or monthly pay\u003c\/li\u003e\n\u003cli\u003eKind, shame-free wording everywhere. Numbers are information, never a judgement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e17 Tabs\u003c\/h3\u003e\n\u003cp\u003eStart Here · Home · Transactions · Monthly Budget · Bills \u0026amp; Subs · Savings Buckets · Debt Payoff · Impulse Pause · ADHD Tax · Money Date · Level Up · Annual Overview · Net Worth · Insights · Categories \u0026amp; Rules · Settings · Help \u0026amp; FAQ\u003c\/p\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCalmMoney_SoftPastel_BLANK.xlsx: your budget, ready to fill in\u003c\/li\u003e\n\u003cli\u003eCalmMoney_SoftPastel_DEMO.xlsx: the same budget filled with example data, so you can explore first\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow To Start (about 15 minutes)\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the guide PDF and click your \"Make a copy\" link. Excel: open the BLANK .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 7 tiny setup steps on the Start Here tab.\u003c\/li\u003e\n\u003cli\u003eCheck one number every day. That's it.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Type the new year in Settings. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Not for Apple Numbers.\u003c\/li\u003e\n\u003cli\u003eSetup is easiest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eNo bank connection. You type or paste your own data, and it stays private in your file.\u003c\/li\u003e\n\u003cli\u003eEnglish only. Prices show your chosen currency symbol.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisation tool for information only, not financial, tax or legal advice.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e💡 Want all 5 themes (Calm Blue, Soft Pastel, Dark Mode, High Contrast, Rainbow)? Look for the Calm Money 5-Theme Bundle in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48012599623852,"sku":"DERA-CALMMONEY-SOFTPASTEL","price":14.4,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/CalmMoney_SoftPastel__01_Safe_To_Spend_Hero.png?v=1793550443"},{"product_id":"dark-mode-adhd-budget-spreadsheet","title":"Dark Mode ADHD Budget Spreadsheet – Safe to Spend Tracker","description":"\u003cp\u003e🌙 Dark Mode edition: easy on the eyes for late-night check-ins, with bright, readable numbers that pop.\u003c\/p\u003e\n\u003cp\u003e🧠 One number. No shame. A budget built for ADHD brains.\u003c\/p\u003e\n\u003cp\u003eCalm Money tells you exactly what's SAFE TO SPEND TODAY, and quietly handles the rest. Missed a week? Update one number and carry on. Nothing breaks.\u003c\/p\u003e\n\u003ch3\u003eWhy Calm Money Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Excel AND Google Sheets (most ADHD budgets are Sheets only)\u003c\/li\u003e\n\u003cli\u003eSafe to Spend: today, this week and until payday, after bills, holds and a safety buffer\u003c\/li\u003e\n\u003cli\u003eImpulse Pause: park a want for 24 hours, 48 hours, 7 or 30 days. The money is held. Skip it and it counts as saved\u003c\/li\u003e\n\u003cli\u003eADHD Tax Tracker: late fees, forgotten trials, rush shipping, lost things. Watch the total shrink\u003c\/li\u003e\n\u003cli\u003eLevel Up: XP, 20 levels, 16 badges, streaks and rewards you choose\u003c\/li\u003e\n\u003cli\u003eWeekly Money Date: a guided 15-minute check-in that ends with a celebration\u003c\/li\u003e\n\u003cli\u003eHyperfixation and seasonal buckets: move money between interests with zero guilt\u003c\/li\u003e\n\u003cli\u003ePaste your bank CSV: keyword rules sort every transaction for you\u003c\/li\u003e\n\u003cli\u003eBills tick themselves off and roll to the next due date. Subscriptions worth cancelling are flagged\u003c\/li\u003e\n\u003cli\u003eAny currency. Weekly, every 2 weeks, twice a month or monthly pay\u003c\/li\u003e\n\u003cli\u003eKind, shame-free wording everywhere. Numbers are information, never a judgement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e17 Tabs\u003c\/h3\u003e\n\u003cp\u003eStart Here · Home · Transactions · Monthly Budget · Bills \u0026amp; Subs · Savings Buckets · Debt Payoff · Impulse Pause · ADHD Tax · Money Date · Level Up · Annual Overview · Net Worth · Insights · Categories \u0026amp; Rules · Settings · Help \u0026amp; FAQ\u003c\/p\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCalmMoney_DarkMode_BLANK.xlsx: your budget, ready to fill in\u003c\/li\u003e\n\u003cli\u003eCalmMoney_DarkMode_DEMO.xlsx: the same budget filled with example data, so you can explore first\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow To Start (about 15 minutes)\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the guide PDF and click your \"Make a copy\" link. Excel: open the BLANK .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 7 tiny setup steps on the Start Here tab.\u003c\/li\u003e\n\u003cli\u003eCheck one number every day. That's it.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Type the new year in Settings. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Not for Apple Numbers.\u003c\/li\u003e\n\u003cli\u003eSetup is easiest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eNo bank connection. You type or paste your own data, and it stays private in your file.\u003c\/li\u003e\n\u003cli\u003eEnglish only. Prices show your chosen currency symbol.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisation tool for information only, not financial, tax or legal advice.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e💡 Want all 5 themes (Calm Blue, Soft Pastel, Dark Mode, High Contrast, Rainbow)? Look for the Calm Money 5-Theme Bundle in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48012602736812,"sku":"DERA-CALMMONEY-DARKMODE","price":14.4,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/CalmMoney_DarkMode__01_Safe_To_Spend_Hero.png?v=1793550443"},{"product_id":"high-contrast-adhd-budget-spreadsheet","title":"High Contrast ADHD Budget Spreadsheet – Safe to Spend Tracker","description":"\u003cp\u003e⚫ High Contrast edition: bold black, white and strong colour so every number is easy to read at a glance.\u003c\/p\u003e\n\u003cp\u003e🧠 One number. No shame. A budget built for ADHD brains.\u003c\/p\u003e\n\u003cp\u003eCalm Money tells you exactly what's SAFE TO SPEND TODAY, and quietly handles the rest. Missed a week? Update one number and carry on. Nothing breaks.\u003c\/p\u003e\n\u003ch3\u003eWhy Calm Money Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Excel AND Google Sheets (most ADHD budgets are Sheets only)\u003c\/li\u003e\n\u003cli\u003eSafe to Spend: today, this week and until payday, after bills, holds and a safety buffer\u003c\/li\u003e\n\u003cli\u003eImpulse Pause: park a want for 24 hours, 48 hours, 7 or 30 days. The money is held. Skip it and it counts as saved\u003c\/li\u003e\n\u003cli\u003eADHD Tax Tracker: late fees, forgotten trials, rush shipping, lost things. Watch the total shrink\u003c\/li\u003e\n\u003cli\u003eLevel Up: XP, 20 levels, 16 badges, streaks and rewards you choose\u003c\/li\u003e\n\u003cli\u003eWeekly Money Date: a guided 15-minute check-in that ends with a celebration\u003c\/li\u003e\n\u003cli\u003eHyperfixation and seasonal buckets: move money between interests with zero guilt\u003c\/li\u003e\n\u003cli\u003ePaste your bank CSV: keyword rules sort every transaction for you\u003c\/li\u003e\n\u003cli\u003eBills tick themselves off and roll to the next due date. Subscriptions worth cancelling are flagged\u003c\/li\u003e\n\u003cli\u003eAny currency. Weekly, every 2 weeks, twice a month or monthly pay\u003c\/li\u003e\n\u003cli\u003eKind, shame-free wording everywhere. Numbers are information, never a judgement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e17 Tabs\u003c\/h3\u003e\n\u003cp\u003eStart Here · Home · Transactions · Monthly Budget · Bills \u0026amp; Subs · Savings Buckets · Debt Payoff · Impulse Pause · ADHD Tax · Money Date · Level Up · Annual Overview · Net Worth · Insights · Categories \u0026amp; Rules · Settings · Help \u0026amp; FAQ\u003c\/p\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCalmMoney_HighContrast_BLANK.xlsx: your budget, ready to fill in\u003c\/li\u003e\n\u003cli\u003eCalmMoney_HighContrast_DEMO.xlsx: the same budget filled with example data, so you can explore first\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow To Start (about 15 minutes)\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the guide PDF and click your \"Make a copy\" link. Excel: open the BLANK .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 7 tiny setup steps on the Start Here tab.\u003c\/li\u003e\n\u003cli\u003eCheck one number every day. That's it.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Type the new year in Settings. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Not for Apple Numbers.\u003c\/li\u003e\n\u003cli\u003eSetup is easiest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eNo bank connection. You type or paste your own data, and it stays private in your file.\u003c\/li\u003e\n\u003cli\u003eEnglish only. Prices show your chosen currency symbol.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisation tool for information only, not financial, tax or legal advice.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e💡 Want all 5 themes (Calm Blue, Soft Pastel, Dark Mode, High Contrast, Rainbow)? Look for the Calm Money 5-Theme Bundle in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48012604211372,"sku":"DERA-CALMMONEY-HIGHCONTRAST","price":14.4,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/CalmMoney_HighContrast__01_Safe_To_Spend_Hero.png?v=1793550443"},{"product_id":"rainbow-adhd-budget-spreadsheet","title":"Rainbow ADHD Budget Spreadsheet – Safe to Spend Tracker","description":"\u003cp\u003e🌈 Rainbow edition: cheerful, colour-coded and fun, because a budget your brain enjoys is a budget you'll actually use.\u003c\/p\u003e\n\u003cp\u003e🧠 One number. No shame. A budget built for ADHD brains.\u003c\/p\u003e\n\u003cp\u003eCalm Money tells you exactly what's SAFE TO SPEND TODAY, and quietly handles the rest. Missed a week? Update one number and carry on. Nothing breaks.\u003c\/p\u003e\n\u003ch3\u003eWhy Calm Money Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Excel AND Google Sheets (most ADHD budgets are Sheets only)\u003c\/li\u003e\n\u003cli\u003eSafe to Spend: today, this week and until payday, after bills, holds and a safety buffer\u003c\/li\u003e\n\u003cli\u003eImpulse Pause: park a want for 24 hours, 48 hours, 7 or 30 days. The money is held. Skip it and it counts as saved\u003c\/li\u003e\n\u003cli\u003eADHD Tax Tracker: late fees, forgotten trials, rush shipping, lost things. Watch the total shrink\u003c\/li\u003e\n\u003cli\u003eLevel Up: XP, 20 levels, 16 badges, streaks and rewards you choose\u003c\/li\u003e\n\u003cli\u003eWeekly Money Date: a guided 15-minute check-in that ends with a celebration\u003c\/li\u003e\n\u003cli\u003eHyperfixation and seasonal buckets: move money between interests with zero guilt\u003c\/li\u003e\n\u003cli\u003ePaste your bank CSV: keyword rules sort every transaction for you\u003c\/li\u003e\n\u003cli\u003eBills tick themselves off and roll to the next due date. Subscriptions worth cancelling are flagged\u003c\/li\u003e\n\u003cli\u003eAny currency. Weekly, every 2 weeks, twice a month or monthly pay\u003c\/li\u003e\n\u003cli\u003eKind, shame-free wording everywhere. Numbers are information, never a judgement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e17 Tabs\u003c\/h3\u003e\n\u003cp\u003eStart Here · Home · Transactions · Monthly Budget · Bills \u0026amp; Subs · Savings Buckets · Debt Payoff · Impulse Pause · ADHD Tax · Money Date · Level Up · Annual Overview · Net Worth · Insights · Categories \u0026amp; Rules · Settings · Help \u0026amp; FAQ\u003c\/p\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCalmMoney_Rainbow_BLANK.xlsx: your budget, ready to fill in\u003c\/li\u003e\n\u003cli\u003eCalmMoney_Rainbow_DEMO.xlsx: the same budget filled with example data, so you can explore first\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow To Start (about 15 minutes)\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the guide PDF and click your \"Make a copy\" link. Excel: open the BLANK .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 7 tiny setup steps on the Start Here tab.\u003c\/li\u003e\n\u003cli\u003eCheck one number every day. That's it.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Type the new year in Settings. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Not for Apple Numbers.\u003c\/li\u003e\n\u003cli\u003eSetup is easiest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eNo bank connection. You type or paste your own data, and it stays private in your file.\u003c\/li\u003e\n\u003cli\u003eEnglish only. Prices show your chosen currency symbol.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisation tool for information only, not financial, tax or legal advice.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e💡 Want all 5 themes (Calm Blue, Soft Pastel, Dark Mode, High Contrast, Rainbow)? Look for the Calm Money 5-Theme Bundle in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48012605325484,"sku":"DERA-CALMMONEY-RAINBOW","price":14.4,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/CalmMoney_Rainbow__01_Safe_To_Spend_Hero.png?v=1793550443"},{"product_id":"adhd-budget-spreadsheet-bundle","title":"ADHD Budget Spreadsheet Bundle – 5 Themes","description":"\u003cp\u003e🎨 The complete set: all 5 themes (Calm Blue, Soft Pastel, Dark Mode, High Contrast and Rainbow). Switch whenever your mood or your eyes need a change.\u003c\/p\u003e\n\u003cp\u003e🧠 One number. No shame. A budget built for ADHD brains.\u003c\/p\u003e\n\u003cp\u003eCalm Money tells you exactly what's SAFE TO SPEND TODAY, and quietly handles the rest. Missed a week? Update one number and carry on. Nothing breaks.\u003c\/p\u003e\n\u003ch3\u003eWhy Calm Money Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eWorks in Excel AND Google Sheets (most ADHD budgets are Sheets only)\u003c\/li\u003e\n\u003cli\u003eSafe to Spend: today, this week and until payday, after bills, holds and a safety buffer\u003c\/li\u003e\n\u003cli\u003eImpulse Pause: park a want for 24 hours, 48 hours, 7 or 30 days. The money is held. Skip it and it counts as saved\u003c\/li\u003e\n\u003cli\u003eADHD Tax Tracker: late fees, forgotten trials, rush shipping, lost things. Watch the total shrink\u003c\/li\u003e\n\u003cli\u003eLevel Up: XP, 20 levels, 16 badges, streaks and rewards you choose\u003c\/li\u003e\n\u003cli\u003eWeekly Money Date: a guided 15-minute check-in that ends with a celebration\u003c\/li\u003e\n\u003cli\u003eHyperfixation and seasonal buckets: move money between interests with zero guilt\u003c\/li\u003e\n\u003cli\u003ePaste your bank CSV: keyword rules sort every transaction for you\u003c\/li\u003e\n\u003cli\u003eBills tick themselves off and roll to the next due date. Subscriptions worth cancelling are flagged\u003c\/li\u003e\n\u003cli\u003eAny currency. Weekly, every 2 weeks, twice a month or monthly pay\u003c\/li\u003e\n\u003cli\u003eKind, shame-free wording everywhere. Numbers are information, never a judgement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e17 Tabs\u003c\/h3\u003e\n\u003cp\u003eStart Here · Home · Transactions · Monthly Budget · Bills \u0026amp; Subs · Savings Buckets · Debt Payoff · Impulse Pause · ADHD Tax · Money Date · Level Up · Annual Overview · Net Worth · Insights · Categories \u0026amp; Rules · Settings · Help \u0026amp; FAQ\u003c\/p\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e10 Excel files: a BLANK and a filled-in DEMO for each of the 5 themes\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with all 5 Google Sheets \"Make a copy\" links\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow To Start (about 15 minutes)\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the guide PDF and click your \"Make a copy\" link. Excel: open the BLANK .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 7 tiny setup steps on the Start Here tab.\u003c\/li\u003e\n\u003cli\u003eCheck one number every day. That's it.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Type the new year in Settings. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Not for Apple Numbers.\u003c\/li\u003e\n\u003cli\u003eSetup is easiest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eNo bank connection. You type or paste your own data, and it stays private in your file.\u003c\/li\u003e\n\u003cli\u003eEnglish only. Prices show your chosen currency symbol.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisation tool for information only, not financial, tax or legal advice.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48012614566060,"sku":"DERA-CALMMONEY-BUNDLE","price":20.4,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/CalmMoney_Bundle__01_Safe_To_Spend_Hero.png?v=1793550443"},{"product_id":"blush-pink-prosper-budget-spreadsheet","title":"Blush Pink Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003eBlush Pink edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_BlushPink.xlsx: the Blush Pink colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014588739756,"sku":"DERA-PROSPER-ULT-BLUSHPINK","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_BlushPink__01_Dashboard_Hero.png?v=1793556869"},{"product_id":"classic-prosper-budget-spreadsheet","title":"Classic Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003eClassic edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_Classic.xlsx: the Classic colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014599225516,"sku":"DERA-PROSPER-ULT-CLASSIC","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Classic__01_Dashboard_Hero.png?v=1793556867"},{"product_id":"dark-mode-prosper-budget-spreadsheet","title":"Dark Mode Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003eDark Mode edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_DarkMode.xlsx: the Dark Mode colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014601027756,"sku":"DERA-PROSPER-ULT-DARKMODE","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_DarkMode__01_Dashboard_Hero.png?v=1793556867"},{"product_id":"lavender-prosper-budget-spreadsheet","title":"Lavender Dream Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003eLavender edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_Lavender.xlsx: the Lavender colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014609842348,"sku":"DERA-PROSPER-ULT-LAVENDER","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Lavender__01_Dashboard_Hero.png?v=1793556866"},{"product_id":"ocean-blue-prosper-budget-spreadsheet","title":"Ocean Blue Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003eOcean Blue edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_OceanBlue.xlsx: the Ocean Blue colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014611873964,"sku":"DERA-PROSPER-ULT-OCEANBLUE","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_OceanBlue__01_Dashboard_Hero.png?v=1793556867"},{"product_id":"pastel-rainbow-prosper-budget-spreadsheet","title":"Pastel Rainbow Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003ePastel Rainbow edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_PastelRainbow.xlsx: the Pastel Rainbow colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014620917932,"sku":"DERA-PROSPER-ULT-PASTELRAINBOW","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_PastelRainbow__01_Dashboard_Hero.png?v=1793556867"},{"product_id":"sage-neutral-prosper-budget-spreadsheet","title":"Sage \u0026 Neutral Prosper Budget Spreadsheet – Annual Budget Planner","description":"\u003cp\u003eSage Neutral edition of the Prosper Ultimate Budget System.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eProsper_Budget_SageNeutral.xlsx: the Sage Neutral colour theme.\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eWant every colour? The Prosper 7-Colour Bundle is in our shop.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014630781100,"sku":"DERA-PROSPER-ULT-SAGENEUTRAL","price":10.19,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_SageNeutral__01_Dashboard_Hero.png?v=1793556867"},{"product_id":"prosper-budget-spreadsheet-bundle","title":"Prosper Budget Spreadsheet Bundle – 7 Colour Themes","description":"\u003cp\u003eThe complete set: all 7 colour themes of the Prosper Ultimate Budget System. Switch whenever you like.\u003c\/p\u003e\n\u003cp\u003e💰 Know exactly where your money goes, what's due next, and how close you are to your goals, all in one beautiful spreadsheet. The Prosper Ultimate Budget System works in BOTH Microsoft Excel and Google Sheets. Enter your bills once, log your spending in seconds, and let the dashboards, calendar and trackers do the rest.\u003c\/p\u003e\n\u003ch3\u003eWhy Prosper Is Different\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eOne file, two programs: works in Excel (2019, 2021, 365) AND Google Sheets.\u003c\/li\u003e\n\u003cli\u003eFinancial Health Score (0–100): see how you're really doing on savings, emergency fund, debt and spending.\u003c\/li\u003e\n\u003cli\u003eSet-and-forget recurring bills: weekly, biweekly, monthly, quarterly or annual, scheduled automatically.\u003c\/li\u003e\n\u003cli\u003eSmart bill calendar: every bill and payday lands on its date.\u003c\/li\u003e\n\u003cli\u003eAny currency: change one cell and everything follows ($ € £ ₦ ₹ …)\u003c\/li\u003e\n\u003cli\u003eStart any month of the year.\u003c\/li\u003e\n\u003cli\u003e🌍 Tax-advantaged account tracker for your country: Canada (TFSA\/RRSP\/FHSA), USA (401k\/IRA\/HSA), UK (ISA\/pension), Australia (super), or Custom for anywhere else.\u003c\/li\u003e\n\u003cli\u003eProtected formulas, so nothing breaks by accident.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e25 Tabs Included\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eGet started\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here: quick-start steps and clickable navigation.\u003c\/li\u003e\n\u003cli\u003eSetup: year, currency, categories, budgets and accounts with live balances.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eTrack\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRecurring Bills: up to 60 bills and income streams, next due date, and a Jan–Dec payment grid.\u003c\/li\u003e\n\u003cli\u003eTransactions: 1,500-row log; the group and sign fill in automatically.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eSee\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDashboard: year-to-date totals, monthly chart, Health Score, 50\/30\/20 check, top 5 spending categories, balances and goals.\u003c\/li\u003e\n\u003cli\u003eBill Calendar: monthly view plus your next 12 upcoming payments.\u003c\/li\u003e\n\u003cli\u003e12 Monthly Tabs (Jan–Dec): planned vs actual for every category, progress bars, bill checklist and charts.\u003c\/li\u003e\n\u003cli\u003eAnnual Overview: every category, every month, heat mapped.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eGrow\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSavings Goals: up to 20 goals or sinking funds, with contributions counted automatically and a monthly target to stay on track.\u003c\/li\u003e\n\u003cli\u003eDebt Payoff Planner: snowball, avalanche or custom order with payment rollover, payoff dates, total interest and your debt-free date.\u003c\/li\u003e\n\u003cli\u003eDebt Schedule: month-by-month balances for up to 20 years.\u003c\/li\u003e\n\u003cli\u003eNet Worth Tracker: monthly assets and liabilities with a goal.\u003c\/li\u003e\n\u003cli\u003eInvestment Forecast: up to 40 years, in future AND today's dollars.\u003c\/li\u003e\n\u003cli\u003eTax Accounts: pick your country and limits load automatically, with room left and over-limit warnings (Custom option for every other country).\u003c\/li\u003e\n\u003cli\u003eNo-Spend Challenge: fills itself in from your transactions.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat You'll Receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAll 7 colour themes: Classic, Blush Pink, Dark Mode, Sage \u0026amp; Neutral, Lavender Dream, Ocean Blue and Pastel Rainbow (one .xlsx each).\u003c\/li\u003e\n\u003cli\u003eQuick-Start Guide PDF with your Google Sheets \"Make a copy\" link, step-by-step setup, a tour of every tab, FAQ and troubleshooting.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow It Works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eDownload your files from your order email or order page.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: open the link in the PDF and click \"Make a copy\". Excel: open the .xlsx file.\u003c\/li\u003e\n\u003cli\u003eFollow the 4 setup steps (about 20 minutes).\u003c\/li\u003e\n\u003cli\u003eWatch your money come into focus.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eNew year? Duplicate the file, change the year and keep going. No need to buy again.\u003c\/p\u003e\n\u003ch3\u003ePlease Note\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a DIGITAL DOWNLOAD. Nothing physical will be shipped.\u003c\/li\u003e\n\u003cli\u003eWorks in Excel 2019, 2021 and Microsoft 365 (Windows or Mac) and in Google Sheets with a free Google account. Older Excel versions and Apple Numbers are not supported.\u003c\/li\u003e\n\u003cli\u003eBest on a computer. Google Sheets also works on phones and tablets.\u003c\/li\u003e\n\u003cli\u003eThe template is delivered blank. Listing images show sample data for illustration.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell, share or redistribute.\u003c\/li\u003e\n\u003cli\u003eThis is an organisational tool for information only, not financial, tax or legal advice. Contribution limits are 2026 reference figures; confirm yours with your tax authority.\u003c\/li\u003e\n\u003cli\u003eDue to the digital nature of this product, all sales are final. If anything isn't working, use our Contact page and I'll gladly help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eThank you for supporting Dera Brand, a small Canadian business. Bold and Timeless. 💛\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eInstant digital download. All files arrive together in one ZIP, emailed to you and available on your order page right after checkout.\u003c\/em\u003e\u003c\/p\u003e","brand":"Dera Brand","offers":[{"title":"Default Title","offer_id":48014632157356,"sku":"DERA-PROSPER-ULT-BUNDLE","price":20.99,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0599\/8428\/1772\/files\/Prosper_Bundle__01_Dashboard_Hero.png?v=1793556867"}],"url":"https:\/\/www.derabrand.com\/collections\/budget-spreadsheets.oembed","provider":"Dera Brand","version":"1.0","type":"link"}