This workbook is used to track my monthly income, bills, and general spend.

*This document directly references the cells present in 2026 Bill Plan, 3-2026 sheet*

# Sections overview by cell ranges
1. G1:K2 - Income per paycheck
    1.1. L1:L18 - Credit card balances + total
    1.2. M1:M18 - Loan balances + total
2. G3:K18 - Bills definitions
3. A1:E26 - Ledger of core spend (bills and notable income/payouts)
    3.1. A2:E2 - Initial state
    3.2. A3:E6 - Freeform: Notable aux payouts or income to prioritize
    3.3. A7:E10 - Pay, base essentials, misc. pre-form spend
    3.4. A11:E22 - Each predefined bill, ideally sorted by date
    3.5. A23:E25 - Freeform: Notable aux payouts to fit in after core spend
    3.6. A26:E26 - Save for next month, balance after core spend
4. A36:E39 - Luxury spend
5. A41:E52 - Miscellaneous spend - smaller recurring purchases, for-fun purchases
6. A28:E34 - Savings goals & progress
7. G29:I31 - Amount to save
8. H32:J38 - Short term purchase queue
9. K29:K38 - Long term goals list
10. H40:J42 - Vacation planning: total to save + how much per month
11. H44:K49 - Vacation planning: breakdown by purchase type
12. H50:I50 - Vacation planning: contributions from other individuals
13. G23:J27 - Exact date ranges each relevant pay period covers
14. G20:K22+K23 - Ledger of dues to other people/institutions
## 1. Income per paycheck
Input each paycheck that would be received that month, its date, and its value.
## 2. Bills definitions
- Priority (green = normal, yellow = late no penalty/need to figure out, red = late, pay ASAP)
    - State (x = scheduled/accounted for, ? = solve unknowns, blank = unaccounted for, - = skip this month)
- Code (only used for copy-pasting to the ledger) and payment due date
- Total amount due
- Amount roommate(s) are accountable for
- Bill description: type (rent/phone/internet/insurance/loan/utilities/credit/none) and name
## 3. Ledger of core spend
Row 2: Shows bill period MM-YYYY, pre-existing account balance, and amount carried over from previous month's reserve (A26:B26). The reserve was only ever used with bi-weekly pay. It hasn't been needed since I switched to being paid on the 1st of each month.

Rows 7-10: Paycheck block. If multiple paychecks per month, there'd be multiple paycheck blocks. Includes income, essentials spend (transportation and groceries), and misc. spend since the last paycheck

Rows 11-22: Bills from the bills definitions section, ideally sorted by date. Auto-fills most data based on the code pasted in. Charge cell and description cell afford per-month overrides, for whenever necessary. Rolling balance column. Column E is payment state (blank = not yet paid, x=paid, AUTO=no manual payment needed)

Row 26: Rent stow cell, primarily used with multi-paycheck months to inform how much of the final paycheck is needed for next month's rent. Final balance cell of core spend = color coded green for emphasis.
## 4. Luxury spend
First row: "allowance" is the post core spend balance minus (section 6->B34) savings. Eating out=input amt reserved for fun food. Misc other=total derived from section 5.
## 5. Miscellaneous spend
Itemized input for notable purchases, "Misc" item at the top as a catchall for all the other less noteworthy purchases.
## 6. Savings goals & progress
Row 29: A) Saved to date (carries from cell D of previous month)
Rows 29-33: B) Savings added, C) New total saved
Rows 30-33: Individual savings added, goal, description
Row 34: Leftover spend balance for section 4
## 7. Amount to save
Modifiers that augment the post core spend balance to determine a savings goal. Multiply (i.e. 0.2) and add (i.e. +$50)-->resulting goal amount.
## Misc. notes
K24:K27 were links to filtered views (filtered by tag) in an old banking portal. Haven't been relevant in awhile, just never cleaned them up.