Money in Order · Guide + Excel template to make your budget and start saving

Only just making it to the end of the month and don’t know where the money goes? Find out where it goes, make a budget that adds up and leave your savings running on their own. Money in Order is an 18-page PDF guide and an Excel template with a 4-week plan to sort out your household money from scratch. Available in English and Spanish: choose the language before you buy.

What’s included

• 18-page PDF guide with a 4-week plan: a real snapshot of your spending, your budget, the cuts and automatic saving. Each chapter ends with concrete tasks.
• Excel template (also works in Google Sheets) with 7 sheets: categories and budget, annual expenses, transactions, monthly summary with alerts, emergency fund and debts.
• A filled-in example file so you can see how the template looks with an illustrative household.
• How to adapt the 50/30/20 rule when housing takes more than its share.
• Where to cut first (subscriptions, phone, electricity, insurance, bank fees) and how to use an official price comparison tool.
• Emergency fund: how much you need, where to keep it and how many months it will take you.
• Debts: the avalanche and snowball methods, with a comparative simulation, and a warning about revolving credit cards.
• Data from official statistics, the Bank of Spain and academic studies, with 10 cited sources.

Who it’s for

For anyone on a salary, a pension or self-employed income who only just makes it to the end of the month or doesn’t know where their money goes. The national data and official bodies mentioned are from Spain; the method works in any country. No Excel knowledge needed: the cells you fill in are marked in yellow and the rest is calculated automatically.

What it isn’t

It’s an informational guide: it isn’t personalised financial advice or an investment recommendation, and it doesn’t promise you’ll save a specific amount. What you achieve depends on your income, your essential expenses and your situation. The examples with figures are illustrative.

How you receive it

Digital product: straight after purchase you get the download link for a ZIP file with the PDF guide and the two Excel templates. Nothing physical is shipped. One-off payment: no subscriptions or later charges.

As this is digital content downloaded immediately, by starting the download with your express consent you lose the right of withdrawal.