{"title":"Finance Trackers","description":"\u003ch2\u003eMoney, organized in files you own\u003c\/h2\u003e\n\u003cp\u003eFinance Trackers is TrendLoop's spreadsheet line for people who would rather open one clear file than pay for another budgeting app. Each tracker starts blank, has its formulas built in, and comes with a plain language guide.\u003c\/p\u003e\n\u003cp\u003eThe line has a monthly budget and cash flow tracker in CAD, the same tracker in USD, a debt payoff tracker that compares snowball and avalanche order side by side, and a bundle that brings all three together. Enter your own numbers, follow the guide, and keep the files for as long as they are useful.\u003c\/p\u003e\n\u003cp\u003eThese are planning tools only. They do not connect to a bank account, and they are not financial, tax, investment, or debt advice.\u003c\/p\u003e\u003cp\u003eCanadian budget spreadsheets, a debt payoff planner, and a subscription tracker, all in Excel, all instant downloads.\u003c\/p\u003e","products":[{"product_id":"monthly-budget-and-cash-flow-tracker-excel-spreadsheet-in-cad","title":"Monthly Budget and Cash Flow Tracker, Excel Spreadsheet in CAD","description":"\u003cp\u003e\u003cstrong\u003eA calm, clear budget file for a full year of Canadian dollars.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA Canadian budget planner spreadsheet for Excel: income, fixed bills, everyday spending, and savings, month by month, in CAD. Enter your income, expenses, and savings month by month. The totals are already built, so the file shows your net cash flow for each month and a running total for the year without any hand math. White cells are yours to fill in. Blue cells calculate on their own.\u003c\/p\u003e\n\u003ch2\u003eWhat is inside\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCover:\u003c\/strong\u003e a short start page that explains the file and the order to use it in.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome:\u003c\/strong\u003e monthly rows for salary or wages, self employment income, investment income, rental income, and other income, with monthly and yearly totals.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFixed Expenses:\u003c\/strong\u003e monthly rows for the costs that stay fairly steady, including rent or mortgage, utilities, insurance, phone, internet, subscriptions, and transport passes.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eVariable Expenses:\u003c\/strong\u003e monthly rows for the costs that move, including groceries, dining out, fuel or transit, entertainment, clothing, personal care, gifts, and other spending.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings:\u003c\/strong\u003e monthly rows for an emergency fund, retirement savings, a vacation fund, and other savings, kept visible as its own part of the plan.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCash Flow Summary:\u003c\/strong\u003e pulls the four sheets together and shows total income, total expenses, total savings, net cash flow, and cumulative cash flow for every month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYearly Totals:\u003c\/strong\u003e the full year on one page, with a category by category breakdown under the summary.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuide:\u003c\/strong\u003e a one page PDF that walks through the setup in plain steps.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eWho it is for\u003c\/h2\u003e\n\u003cp\u003eAnyone in Canada who wants one honest view of money coming in and money going out across a full year. It suits employees, self employed people, couples, and households who prefer a file they own to another monthly app fee.\u003c\/p\u003e\n\u003ch2\u003eHow it works\u003c\/h2\u003e\n\u003col\u003e\n\u003cli\u003eDownload the spreadsheet and the guide after checkout, then open the spreadsheet in Excel.\u003c\/li\u003e\n\u003cli\u003eStart on the Income sheet and work through Fixed Expenses, Variable Expenses, and Savings, entering your own amounts by month.\u003c\/li\u003e\n\u003cli\u003eRead the Cash Flow Summary for the month by month picture, and Yearly Totals when you want the whole year at once.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch2\u003eWhat you need\u003c\/h2\u003e\n\u003cp\u003eMicrosoft Excel, where the built in formulas work as designed. The file can also be imported into Google Sheets if you prefer to work there. No account, subscription, or bank connection is involved.\u003c\/p\u003e\n\u003ch2\u003eFAQ\u003c\/h2\u003e\n\u003ch3\u003eDoes the tracker start blank?\u003c\/h3\u003e\n\u003cp\u003eYes. Every amount is yours to enter, and the totals update as you type.\u003c\/p\u003e\n\u003ch3\u003eDoes it connect to my bank?\u003c\/h3\u003e\n\u003cp\u003eNo. Nothing connects, syncs, or uploads. The file sits on your computer and holds only what you put in it.\u003c\/p\u003e\n\u003ch3\u003eHow do I get the files?\u003c\/h3\u003e\n\u003cp\u003eBoth files, the Excel spreadsheet and the PDF guide, are delivered as downloads after checkout. There is nothing to ship.\u003c\/p\u003e\n\u003ch2\u003ePlease note\u003c\/h2\u003e\n\u003cp\u003eThis is a planning tool only, not financial advice. It does not include tax advice, investment advice, or debt advice, and it makes no promise about income, savings, or results.\u003c\/p\u003e\n","brand":"My Store","offers":[{"title":"Default Title","offer_id":67800814158051,"sku":null,"price":29.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/7580\/2083\/files\/finance-cad-branded-cover.png?v=1792932510"},{"product_id":"monthly-budget-and-cash-flow-tracker-excel-spreadsheet-in-usd","title":"Monthly Budget and Cash Flow Tracker, Excel Spreadsheet in USD","description":"\u003cp\u003e\u003cstrong\u003eA calm, clear budget file for a full year of US dollars.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eEnter your income, expenses, and savings month by month. The totals are already built, so the file shows your net cash flow for each month and a running total for the year without any hand math. White cells are yours to fill in. Blue cells calculate on their own. Every amount in this edition is labelled in USD from the first sheet to the last.\u003c\/p\u003e\n\u003ch2\u003eWhat is inside\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCover:\u003c\/strong\u003e a short start page that explains the file and the order to use it in.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome:\u003c\/strong\u003e monthly rows for salary or wages, self employment income, investment income, rental income, and other income, with monthly and yearly totals.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFixed Expenses:\u003c\/strong\u003e monthly rows for the costs that stay fairly steady, including rent or mortgage, utilities, insurance, phone, internet, subscriptions, and transport passes.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eVariable Expenses:\u003c\/strong\u003e monthly rows for the costs that move, including groceries, dining out, fuel or transit, entertainment, clothing, personal care, gifts, and other spending.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSavings:\u003c\/strong\u003e monthly rows for an emergency fund, retirement savings, a vacation fund, and other savings, kept visible as its own part of the plan.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCash Flow Summary:\u003c\/strong\u003e pulls the four sheets together and shows total income, total expenses, total savings, net cash flow, and cumulative cash flow for every month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYearly Totals:\u003c\/strong\u003e the full year on one page, with a category by category breakdown under the summary.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuide:\u003c\/strong\u003e a one page PDF that walks through the setup in plain steps.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eWho it is for\u003c\/h2\u003e\n\u003cp\u003eAnyone who budgets in US dollars and wants one honest view of money coming in and money going out across a full year. It suits employees, self employed people, couples, and households who prefer a file they own to another monthly app fee. A matching CAD edition is in the Finance Trackers collection if your accounts run in both currencies.\u003c\/p\u003e\n\u003ch2\u003eHow it works\u003c\/h2\u003e\n\u003col\u003e\n\u003cli\u003eDownload the spreadsheet and the guide after checkout, then open the spreadsheet in Excel.\u003c\/li\u003e\n\u003cli\u003eStart on the Income sheet and work through Fixed Expenses, Variable Expenses, and Savings, entering your own amounts by month.\u003c\/li\u003e\n\u003cli\u003eRead the Cash Flow Summary for the month by month picture, and Yearly Totals when you want the whole year at once.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch2\u003eWhat you need\u003c\/h2\u003e\n\u003cp\u003eMicrosoft Excel, where the built in formulas work as designed. The file can also be imported into Google Sheets if you prefer to work there. No account, subscription, or bank connection is involved.\u003c\/p\u003e\n\u003ch2\u003eFAQ\u003c\/h2\u003e\n\u003ch3\u003eDoes the tracker start blank?\u003c\/h3\u003e\n\u003cp\u003eYes. Every amount is yours to enter, and the totals update as you type.\u003c\/p\u003e\n\u003ch3\u003eDoes it connect to my bank?\u003c\/h3\u003e\n\u003cp\u003eNo. Nothing connects, syncs, or uploads. The file sits on your computer and holds only what you put in it.\u003c\/p\u003e\n\u003ch3\u003eHow do I get the files?\u003c\/h3\u003e\n\u003cp\u003eBoth files, the Excel spreadsheet and the PDF guide, are delivered as downloads after checkout. There is nothing to ship.\u003c\/p\u003e\n\u003ch2\u003ePlease note\u003c\/h2\u003e\n\u003cp\u003eThis is a planning tool only, not financial advice. It does not include tax advice, investment advice, or debt advice, and it makes no promise about income, savings, or results.\u003c\/p\u003e\n","brand":"My Store","offers":[{"title":"Default Title","offer_id":67800948015331,"sku":null,"price":29.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/7580\/2083\/files\/finance-usd-branded-cover.png?v=1792932537"},{"product_id":"debt-payoff-tracker-excel-spreadsheet-snowball-and-avalanche","title":"Debt Payoff Tracker, Excel Spreadsheet, Snowball and Avalanche","description":"\u003cp\u003e\u003cstrong\u003eEvery debt on one page, in a clear order, with a month by month plan behind it.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eList each debt once, with its balance, APR, and minimum payment. The tracker ranks your debts two ways, snowball and avalanche, builds the payment plan for the method you choose, and estimates the finish line for both. All amounts are in Canadian dollars.\u003c\/p\u003e\n\u003ch2\u003eWhat is inside\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCover:\u003c\/strong\u003e a short start page that explains the file and the order to use it in.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Inputs:\u003c\/strong\u003e one table for up to 12 debts, plus your plan settings: monthly debt payment budget, first payment month, and payoff method. The snowball, avalanche, and plan ranks fill in on their own.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball Order:\u003c\/strong\u003e your debts ranked from the smallest balance to the largest, with ties ranked by higher APR first.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAvalanche Order:\u003c\/strong\u003e your debts ranked from the highest APR to the lowest, with ties ranked by smaller balance first.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly Payment Plan:\u003c\/strong\u003e a month by month plan that runs up to 360 months. It shows the focus debt for extra payments, interest added, minimum and extra payments, principal paid, ending balance, debts remaining, and cumulative interest.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSummary:\u003c\/strong\u003e both methods compared on the same inputs, with months to debt free, estimated debt free date, total interest, and total paid, plus a result line for each debt.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCalc, Snowball and Calc, Avalanche:\u003c\/strong\u003e the two formula engines behind the plan. They are there so the numbers can be checked, and they are not meant for typing.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuide:\u003c\/strong\u003e a PDF guide that walks through the setup in plain steps.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eWho it is for\u003c\/h2\u003e\n\u003cp\u003eAnyone carrying more than one balance who wants to see the payoff order written down and the months mapped out. It suits credit cards, lines of credit, loans, and any other debt you can describe with a balance, an APR, and a minimum payment.\u003c\/p\u003e\n\u003ch2\u003eHow it works\u003c\/h2\u003e\n\u003col\u003e\n\u003cli\u003eDownload the spreadsheet and the guide after checkout, then open the spreadsheet in Excel.\u003c\/li\u003e\n\u003cli\u003eOn Debt Inputs, set your monthly payment budget, first payment month, and method, then enter each debt.\u003c\/li\u003e\n\u003cli\u003eFollow the Monthly Payment Plan, minimums first and extra money to the focus debt, and use the Summary to compare methods before you commit to one.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch2\u003eWhat you need\u003c\/h2\u003e\n\u003cp\u003eMicrosoft Excel, where the built in formulas work as designed. The file can also be imported into Google Sheets if you prefer to work there. No account, subscription, or bank connection is involved, and the tracker never makes a payment for you.\u003c\/p\u003e\n\u003ch2\u003eFAQ\u003c\/h2\u003e\n\u003ch3\u003eWhat is the difference between snowball and avalanche?\u003c\/h3\u003e\n\u003cp\u003eSnowball pays the smallest balance first, so accounts close sooner. Avalanche pays the highest APR first, which often lowers total interest on the same inputs. The Summary shows the estimate for both, so the comparison comes from your numbers, not a rule of thumb.\u003c\/p\u003e\n\u003ch3\u003eAre the payoff dates guaranteed?\u003c\/h3\u003e\n\u003cp\u003eNo. They are estimates from the numbers you enter. The projection holds balances, APRs, minimum payments, and your monthly budget constant, and it does not include new charges, fees, penalties, rate changes, taxes, or minimum payments that change as a balance falls.\u003c\/p\u003e\n\u003ch3\u003eHow do I get the files?\u003c\/h3\u003e\n\u003cp\u003eBoth files, the Excel spreadsheet and the PDF guide, are delivered as downloads after checkout. There is nothing to ship.\u003c\/p\u003e\n\u003ch2\u003ePlease note\u003c\/h2\u003e\n\u003cp\u003eThis is a planning tool only, not financial advice. It does not include individualized debt advice, and it makes no promise about payoff timing, interest saved, or results.\u003c\/p\u003e\n","brand":"My Store","offers":[{"title":"Default Title","offer_id":67800953716963,"sku":null,"price":29.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/7580\/2083\/files\/finance-debt-branded-cover.png?v=1792932559"},{"product_id":"budget-and-debt-freedom-bundle-3-excel-trackers-cad-usd-debt-payoff","title":"Budget and Debt Freedom Bundle, 3 Excel Trackers (CAD, USD, Debt Payoff)","description":"\u003cp\u003e\u003cstrong\u003eThe full set: budget in CAD, budget in USD, and a debt payoff plan, in one download.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eThree workbooks that work the same way, so you learn the layout once and use it everywhere. Each file starts blank, has its formulas built in, and comes with its own guide. Bought separately, the three trackers total C$87. The bundle is C$59.\u003c\/p\u003e\n\u003ch2\u003eWhat is inside\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly Budget and Cash Flow Tracker, CAD:\u003c\/strong\u003e seven sheets, Cover, Income, Fixed Expenses, Variable Expenses, Savings, Cash Flow Summary, and Yearly Totals. Monthly columns run January to December, and every amount is labelled in Canadian dollars.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly Budget and Cash Flow Tracker, USD:\u003c\/strong\u003e the same seven sheets and the same layout, with every amount labelled in US dollars.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff Tracker:\u003c\/strong\u003e eight sheets, Cover, Debt Inputs, Snowball Order, Avalanche Order, Monthly Payment Plan, Summary, and the two calculation sheets behind them. Enter up to 12 debts in CAD and compare payoff methods on your own numbers.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThree guides:\u003c\/strong\u003e one PDF guide for each workbook, six files in the download in total.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eWho it is for\u003c\/h2\u003e\n\u003cp\u003eAnyone whose money crosses the border, or who wants the budget habit and the debt plan in one purchase. It suits households with accounts in both currencies, Canadians paid in USD, and anyone who would rather set up one system than shop for pieces.\u003c\/p\u003e\n\u003ch2\u003eHow it works\u003c\/h2\u003e\n\u003col\u003e\n\u003cli\u003eDownload all six files after checkout and keep them together in one folder.\u003c\/li\u003e\n\u003cli\u003eSet up the budget workbook in the currency you use most, following its guide from the Income sheet onward.\u003c\/li\u003e\n\u003cli\u003eEnter your debts in the Debt Payoff Tracker, compare snowball and avalanche on the Summary, and follow the monthly plan for the method you choose.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch2\u003eWhat you need\u003c\/h2\u003e\n\u003cp\u003eMicrosoft Excel, where the built in formulas work as designed. The files can also be imported into Google Sheets if you prefer to work there. No account, subscription, or bank connection is involved.\u003c\/p\u003e\n\u003ch2\u003eFAQ\u003c\/h2\u003e\n\u003ch3\u003eIs the bundle the same files as the single trackers?\u003c\/h3\u003e\n\u003cp\u003eYes. The bundle holds the same three workbooks and the same three guides sold on the single tracker pages, delivered together.\u003c\/p\u003e\n\u003ch3\u003eDo the trackers start blank?\u003c\/h3\u003e\n\u003cp\u003eYes. Every amount is yours to enter, and the totals and payoff estimates update from your numbers.\u003c\/p\u003e\n\u003ch3\u003eHow do I get the files?\u003c\/h3\u003e\n\u003cp\u003eAll six files are delivered as downloads after checkout. There is nothing to ship.\u003c\/p\u003e\n\u003ch2\u003ePlease note\u003c\/h2\u003e\n\u003cp\u003eThese are planning tools only, not financial advice. They do not include tax advice, investment advice, or individualized debt advice, and they make no promise about income, savings, payoff timing, or results. Debt payoff figures are estimates that hold your entered balances, APRs, minimum payments, and monthly budget constant.\u003c\/p\u003e\n","brand":"My Store","offers":[{"title":"Default Title","offer_id":67800956731619,"sku":null,"price":59.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/7580\/2083\/files\/finance-bundle-branded-cover.png?v=1792932578"},{"product_id":"holiday-gift-budget-planner-excel-spreadsheet-in-cad","title":"Holiday Gift Budget Planner, Excel Spreadsheet in CAD","description":"\u003cp\u003e\u003cstrong\u003eOne total budget for the season, with every gift tracked against it.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eSet the total you are willing to spend on Budget Setup, then list every person and gift with a planned cost. As gifts get bought, record the actual cost and update the status. The planner keeps a running view of what you have spent, what is left, and where the season is likely to finish. White cells are yours to fill in. Blue cells calculate on their own.\u003c\/p\u003e\n\u003cp\u003eThe summary works per person as well as overall. Type each name once on Person Summary and the sheet adds up planned and actual totals for that person, counts their gifts, and flags anyone who passes the per person guide you set. Cards, wrap, postage, and shipping get their own sheet, because those costs are real and they belong inside the season total, not outside it.\u003c\/p\u003e\n\u003ch2\u003eWhat is inside\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCover:\u003c\/strong\u003e a short start page that explains the planner and the order to use it in.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBudget Setup:\u003c\/strong\u003e your total gift budget, a per person guide, the holiday date, and an extras budget.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGift List:\u003c\/strong\u003e room for 40 gifts, each with a person, gift idea, store or site, planned cost, actual cost, and a status.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePerson Summary:\u003c\/strong\u003e planned and actual totals for up to 20 people, pulled straight from the Gift List, with a count of each person's gifts and a flag when someone passes the per person guide.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExtras:\u003c\/strong\u003e cards, wrap, postage, and shipping, each with planned and actual costs.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSeason Summary:\u003c\/strong\u003e total spent so far, amount remaining against your budget, and a projected finish that adds gifts not yet bought at their planned cost, with an over budget flag.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuide:\u003c\/strong\u003e a one page PDF that explains how to set the budget, build the list, and read the summary.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eWho it is for\u003c\/h2\u003e\n\u003cp\u003eAnyone who buys gifts for a family or a wide circle and wants the whole season visible in one file. It suits parents, grandparents, and anyone who has ever reached the last week before the holiday with no clear idea of what the season has cost so far.\u003c\/p\u003e\n\u003ch2\u003eHow it works\u003c\/h2\u003e\n\u003col\u003e\n\u003cli\u003eDownload the spreadsheet and the guide after checkout, then open the spreadsheet in Excel.\u003c\/li\u003e\n\u003cli\u003eStart on Budget Setup with your total, then build your list on Gift List and record actual costs and statuses as you buy.\u003c\/li\u003e\n\u003cli\u003eRead Season Summary for what is left and where the season is likely to finish, and Person Summary to see each person at a glance.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch2\u003eWhat you need\u003c\/h2\u003e\n\u003cp\u003eMicrosoft Excel, where the built in formulas work as designed. The file can also be imported into Google Sheets if you prefer to work there. No account, subscription, or bank connection is involved.\u003c\/p\u003e\n\u003ch2\u003eFAQ\u003c\/h2\u003e\n\u003ch3\u003eHow many gifts can I plan?\u003c\/h3\u003e\n\u003cp\u003eThe Gift List holds 40 gifts, and Person Summary covers 20 people. That is more than most households need for one season.\u003c\/p\u003e\n\u003ch3\u003eWhat does projected finish mean?\u003c\/h3\u003e\n\u003cp\u003eIt takes what you have already spent, adds the planned cost of every gift still marked Idea or Ordered, and adds the planned extras you have not spent yet. If that figure passes your total budget plus extras budget, Season Summary flags it while there is still time to adjust.\u003c\/p\u003e\n\u003ch3\u003eCan I reuse it next year?\u003c\/h3\u003e\n\u003cp\u003eYes. Save a copy of the file for each season, clear the white entry cells, and your formulas stay in the blue cells.\u003c\/p\u003e\n\u003ch3\u003eDoes it track anything on its own?\u003c\/h3\u003e\n\u003cp\u003eNo. It never connects to a bank, a store, or an account. Every number in the file is one you typed.\u003c\/p\u003e\n\u003ch3\u003eHow do I get the files?\u003c\/h3\u003e\n\u003cp\u003eBoth files, the Excel spreadsheet and the PDF guide, are delivered as downloads after checkout. There is nothing to ship.\u003c\/p\u003e\n\u003ch2\u003ePlease note\u003c\/h2\u003e\n\u003cp\u003eThis is a planning tool only, not financial advice. It does not include tax advice, investment advice, or debt advice, and it makes no promise about income, savings, or results. Prices you record are your own records, not live store prices.\u003c\/p\u003e\n","brand":"My Store","offers":[{"title":"Default Title","offer_id":67803004240099,"sku":null,"price":19.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/7580\/2083\/files\/gift-planner-branded-cover.png?v=1792933142"},{"product_id":"subscription-audit-tracker-excel-spreadsheet-in-cad","title":"Subscription Audit Tracker, Excel Spreadsheet in CAD","description":"\u003cp\u003eEvery recurring charge you pay, in one list, with its true cost standing beside it. You enter each subscription once: the service, what it costs per charge, and how often it bills. The tracker converts every charge to its monthly and yearly cost, weekly, quarterly, and yearly billing included, so a small monthly figure and a quiet yearly one can be compared honestly.\u003c\/p\u003e\n\u003cp\u003eA subscription tracker spreadsheet that lists every renewal in one place, with the monthly and yearly cost of each one in CAD.\u003c\/p\u003e\n\u003cp\u003eThe audit is the point. Mark each service as used or not used this month, and say how many months have passed since you last touched it. The summary adds up what the unused and rarely used services cost per year. That is the number most households have never seen for their own subscriptions, and it is the number that makes the keep or cancel decisions easy to make.\u003c\/p\u003e\n\u003cp\u003eA renewal calendar spreads the charges across the twelve months of the year, starting from each next renewal date and repeating on its billing cycle, so a heavy renewal month is visible before it lands. Free trials get watched as well: the summary totals the yearly cost of trials ending within 14 days, before they convert into paid charges you never chose.\u003c\/p\u003e\n\u003ch2\u003eWhat is included\u003c\/h2\u003e\n\u003cul\u003e\n\u003cli\u003esubscription-audit-tracker.xlsx, an Excel spreadsheet with 5 sheets: Cover, Subscriptions, Renewal Calendar, Category Summary, Audit Summary\u003c\/li\u003e\n\u003cli\u003eguide.pdf, a 1 page guide that explains how to build the list, run the audit, and read the summary\u003c\/li\u003e\n\u003cli\u003eRoom for 40 subscriptions, each with category, payment method, renewal date, free trial status, and a keep or cancel decision\u003c\/li\u003e\n\u003cli\u003eMonthly and yearly cost worked out for every row, whatever the billing cycle\u003c\/li\u003e\n\u003cli\u003eA renewal flag that marks anything renewing within 7 days, and an overdue flag for a renewal date that has passed\u003c\/li\u003e\n\u003cli\u003eCategory totals with a sorted view that ranks categories from the largest yearly cost to the smallest\u003c\/li\u003e\n\u003cli\u003eAn audit summary with total monthly and yearly cost, the yearly cost of unused services, the yearly cost of services unused for 3 or more months, trials about to convert, and the yearly saving in your cancel list\u003c\/li\u003e\n\u003cli\u003eAll amounts labelled in Canadian dollars (CAD)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003eWho it is for\u003c\/h2\u003e\n\u003cp\u003eThis tracker suits anyone whose subscriptions have accumulated quietly across streaming, music, apps, software, storage, fitness, and memberships. It works for one person reviewing their own charges and for a household reviewing shared ones. The audit takes about ten minutes with a card statement open, and it rewards being run once a month.\u003c\/p\u003e\n\u003ch2\u003eWhat it is NOT\u003c\/h2\u003e\n\u003cp\u003eThis is a planning tool only. It is not financial advice. It does not connect to a bank account or any service, and it makes no promise about income, savings, or results. It starts blank, because the charges in it are yours to enter. Renewal dates and prices are your own records, not live service data.\u003c\/p\u003e\n\u003ch2\u003eFAQ\u003c\/h2\u003e\n\u003ch3\u003eDo I need Excel to use it?\u003c\/h3\u003e\n\u003cp\u003eExcel works best. The file also imports into Google Sheets, and the formulas carry over.\u003c\/p\u003e\n\u003ch3\u003eHow many subscriptions can I track?\u003c\/h3\u003e\n\u003cp\u003eThe Subscriptions sheet holds 40, which covers most households with room to spare. Category Summary handles 15 categories.\u003c\/p\u003e\n\u003ch3\u003eHow does the yearly cost work for a yearly charge?\u003c\/h3\u003e\n\u003cp\u003eThe same as for any cycle. A yearly charge of 119.88 CAD shows a monthly equivalent of 9.99 CAD and a yearly cost of 119.88 CAD, so it can be compared directly with monthly services.\u003c\/p\u003e\n\u003ch3\u003eWhat does the renewal calendar assume?\u003c\/h3\u003e\n\u003cp\u003eEach charge repeats on its billing cycle from the next renewal date you entered, through the rest of the current year. Update the renewal date after a charge lands and the calendar stays honest.\u003c\/p\u003e\n\u003ch3\u003eDoes it cancel anything for me?\u003c\/h3\u003e\n\u003cp\u003eNo. It shows you what each service costs and what your cancel list would save per year. The cancelling itself happens with each service, using your own account.\u003c\/p\u003e\n\u003ch3\u003eDoes it track anything on its own?\u003c\/h3\u003e\n\u003cp\u003eNo. It never connects to a bank, a card, or a service. Every number in the file is one you typed.\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":67804345336035,"sku":null,"price":29.0,"currency_code":"CAD","in_stock":true}]}],"url":"https:\/\/trendloopstore.com\/collections\/finance-trackers.oembed","provider":"TrendLoop","version":"1.0","type":"link"}