UK Budget + Debt Payoff Bundle (GBP)
Most budget templates assume dollars, bi-weekly pay and American bills. This edition is set up for a UK household: pounds by default, UK spelling, a monthly payday, and example categories such as council tax, gas and electricity, broadband, car finance and a 0% balance transfer card. You log spending from your current account and cards on zero-based monthly tabs, see which bills each payday has to cover, and follow the year on a dashboard. The second workbook compares debt snowball and avalanche for your cards and loans, with a debt-free date and total interest for each. You get the two UK workbooks, each as a filled example and a blank Start Fresh copy, as .xlsx files. It is a planning tool, not financial advice.
From our listing records. Etsy shows the current price and your local currency at checkout.
Buy on EtsyScripts recalculated these files in Excel for Mac 16.114.3 and LibreOffice. Excel for Windows, older Excel versions and Google Sheets have not been tried.
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What's included
- Budget-Spreadsheet-UK.xlsx: filled example in pounds
- Budget-Spreadsheet-UK-Start-Fresh.xlsx: blank UK budget
- Debt-Payoff-Tracker-UK.xlsx: filled example in pounds
- Debt-Payoff-Tracker-UK-Start-Fresh.xlsx: blank UK debt tracker
- README.pdf: how to open the files in Excel or LibreOffice, plus a quick start
How it works
Plan each month in pounds A UK monthly tab: planned vs actual income, spending, savings and debt payments, with a green OK when every unit of income has a job. 
Compare snowball and avalanche The UK Compare sheet in pounds: months to debt-free, debt-free date, total interest and total paid for each plan. 
Cover bills from your payday The paycheck page with a monthly payday: each bill is paid from the last payday on or before its due date. 
Watch the balance fall Total owed in pounds month by month for snowball, avalanche and minimums only. 
See the year on one page The UK year dashboard: income, spending, savings and savings rate in pounds, month by month. 
Track what you owe The debt tracker in pounds: planned vs actual balance, a progress bar and a checklist of debts cleared.
Compatibility and file formats
Scripts recalculated these files in Excel for Mac 16.114.3 and LibreOffice. Excel for Windows, older Excel versions and Google Sheets have not been tried.
Instant download from Etsy · nothing shipped.
Video
Questions
- Which is better, snowball or avalanche?
The sheet shows both with your own numbers. Avalanche usually costs less interest; snowball clears small debts sooner. It is your choice, and the sheet doesn't give advice.
- Why don't the numbers match my statement exactly?
Lenders often charge interest daily and may add fees. The sheet estimates interest monthly (balance x APR / 12). Update your balances from your statements every few months.
- Can I use my own currency?
Pick USD, GBP, CAD, AUD or EUR on the setup sheet; the symbol updates in the headers. Amounts are plain numbers, so any other currency works too.
- Is the example data real?
No, it is made-up example data so you can see every feature. Use the Start Fresh copy for your own numbers.
Planning tool, not financial or tax advice.
Related
Guide: Debt snowball vs debt avalanche: which pays off faster?