Paycheck Budget Ritual

Safe to spend until next payday — this paycheck − bills it must cover − savings − what you already spent.

$14one-time · VAT included · no subscription

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✓Download page opens right after payment + links by e-mail. No account.

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

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing · EN PL DE FR ES — every edition in one download

✓Free updates forever · 14-day refund

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

The payday page

What the file tells you every month

Monthly budgets break when you are paid every two weeks. This one works the way your money actually arrives: every bill assigned to the paycheck that covers it, and one number — safe to spend until next payday — that is always true.

01 · verdictBills — what this paycheck must cover

02 · verdictSpending — how fast it is going

03 · verdictSavings — did the future get paid

Sheets in the workbook

✓Payday · the ritual page

✓Bills · assigned to the right paycheck

✓Spending · log as you go

✓Sinking Funds · save ahead

✓Paychecks · every period, past and planned

How it works

1Tell it how you are paid — weekly, every two weeks, twice a month or monthly — and one recent payday

2List bills and log spending — bills land on the paycheck that has to cover them, or split evenly — your choice

3Open on payday — safe to spend, three verdicts, three tasks — ten minutes

Who it is for

Anyone paid weekly, biweekly, twice a month or monthly who keeps running short before the next check.

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, Google Pay and PayPal. Prices in PLN, EUR, USD or GBP; 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].

Pairs well with

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