Home Buyer Ritual

Months until you can buy — what is still to save — down payment, closing costs, buffer, safety net — divided by what you actually save per month.

$14one-time · VAT included · no subscription

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In your download: 8 files

Excel workbook · Light · USD
START HERE guide (PDF)
Excel workbook · Dark Mode
Excel workbook · UK · GBP
Excel workbook · EUR
Excel workbook · AUD
Excel workbook · CAD
Excel workbook · INR

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Works inExcel Google Sheets

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing — every edition in one download

✓Free updates forever · 14-day refund

Part of the Complete Collection — 119 workbooks, every edition, future releases, $99.

The first weekend of the month page

What the file tells you every month

Lenders tell you what they will lend; nobody tells you what you can carry. This sheet tracks the down payment at the pace you actually save, works out the price your income can hold, and gives every home on your list a verdict — payment and cash at closing.

01 · verdictDown payment — saving pace vs what the target date needs

02 · verdictAffordability — the most your income carries at today's rate vs the target price

03 · verdictShortlist — which homes on your list work, payment and cash at closing

Sheets in the workbook

✓Monthly · the ritual page

✓Savings · one line a month: the house-fund balance

✓Homes · every home you look at: payment, ratios, cash at closing — AFFORD / STRETCH / NO

✓Settings · price, down payment, rate, income, debts, lender lines

How it works

1Type target price, down payment, rate, income and debts — fifteen minutes, once

2Log the fund balance monthly and homes as you see them — pace, ready date and a verdict per home appear

3Open once a month — months to go, three verdicts, three tasks

Who it is for

First-time buyers and anyone saving toward a home in the next few years.

Dark edition included

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay and Google Pay. Prices in PLN, EUR or USD; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to [email protected].

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Home Buyer Ritual

What the file tells you every month

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