Download these user-friendly spreadsheets to get started and discover the
These fundamental questions are essential for information gathering.
Answering them will help you uncover the full story of your finances.
Who, What, When, Where, Why, and How
behind your finances.
To make things easier, we've combined all our budget sheets into a single Excel workbook, which includes three useful pages:
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Debt Schedule
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Budget Worksheet
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Spending Planner
This means you only need to download one file. However, if you prefer to use each sheet separately, you’re welcome to download them individually—choose the option that best fits your needs.
Moni Ora tools use Excel spreadsheets so that you know your data is private.
Budget Sheets
A budget worksheet gives you an overview of your income and expenses.
Use this customisable budget worksheet as a checklist to gather your financial information and easily calculate your financial position.
It shows whether your budget is in surplus or deficit.
You can clearly see where your money is going and where you might make changes to better align with your priorities and goals.
Debt schedule
A debt schedule is a practical tool for organising and tracking everything you owe.
Use this customisable worksheet to record all your debts and key details in one place, giving you a clear overview of your financial obligations.
Calculate your total debt and repayment commitments to quickly assess whether your debt is supporting or hindering your goals.
When used alongside the budget sheet, you'll gain a complete picture of your financial position.
Spending Plans
A Spending Planner—aka Cashflow—is a dynamic tool that predicts your income and spending. It brings your budget to life, making forward planning easy, and reducing the risk of getting caught out.
This planner lets you plan from payday to payday, so you can be confident about what you can afford.
You can clearly see financial highs and lows at a glance, so you will know when money will be tight.
When unexpected expenses pop up, you can easily test out adjustments in the planner to protect essentials and priorities. This flexibility lets you spread payments throughout the year, making your money easier to manage.
