A calmer way to get your money organised.
The Abundant Budget Spreadsheet helps you see where your money is going, stay ahead of your bills, build your savings and make a plan for your debt — without spending hours obsessing over your budget.
Set up in 20 minutes. Spend 5-10 minutes on your budget each pay period.
The Abundant Budget Spreadsheet
Google Sheets template • $16 AUD
No complicated budgeting system. No staring at spreadsheets for hours. Just a simple system you can actually stick with.
Budgeting shouldn't make your life more stressful.
If you've ever looked at your bank account and thought...
**“Where the heck did all my money go?”
**...you're definitely not alone.
Maybe you earn enough money but somehow still feel like you're constantly playing catch-up.
Maybe bills keep popping up at the worst possible time.
Maybe you've tried budgeting before, but the spreadsheet had approximately 47 tabs and you had absolutely no idea what half of them were for.
Or maybe you just want to be more intentional with your money without turning your entire life into one giant budget spreadsheet.
I get it.
I used to be very much a “head in the sand” person when it came to money.
And that's actually why I don't believe budgeting needs to be complicated.
I don't think being good with money means obsessing over every dollar.
There are a lot of different ways to budget.
🤑 Some people love tracking every single thing.
📈 Some people use complicated spreadsheets with dozens of categories.
📲 Some people use an app that connects directly to their bank account.
And if those things work for you, that's fantastic!
But that's not how I wanted to manage my money.
I wanted enough information to make good decisions without constantly thinking about money.
I wanted to know:
-
Can we afford this?
-
Are the bills covered?
-
Are we making progress towards our goals?
-
Are we spending our money on the things that actually matter to us?
And then I wanted to close the spreadsheet and go live my life.
That's the philosophy behind the Abundant Budget Spreadsheet.
It's not about spending less just for the sake of spending less.
It's about making sure your money is going towards the things that are important to you.
So, what's actually inside?
I wanted this spreadsheet to give you the information you actually need to manage your money — without filling it with features just because I could.
Here's what you'll find inside:
🧾 Bills Organiser
Bills are so much less stressful when you know they're coming.
The Bills Organiser helps you keep track of your regular, annual and irregular bills and work out how much you need to put aside each budget period.
So instead of getting hit with a $600 bill you completely forgot about...
you've already been preparing for it.
💸 Transaction Tracker
This is where you keep track of your spending and income.
Add your transactions as you go and the spreadsheet automatically feeds that information into the rest of your budget.
You don't have to manually update a bunch of different sections every time you buy something.
Enter it once. Let the spreadsheet do the boring bits.
🎯 Savings & Sinking Funds Tracker
Saving for something big can feel much more achievable when you break it down into smaller amounts.
Use this section to keep track of your savings goals and sinking funds, see how much you've already saved and work out what you need to put aside each budget period.
Christmas.
A holiday.
Car expenses.
Something you've been dreaming about for ages.
Whatever you're saving for, you can see the progress you're making.
💳 Debt Tracker
Debt can feel pretty overwhelming when you're only looking at the big number.
The Debt Tracker helps you see the other side of it:
how much you've already paid off.
Track your debts, payments and progress so you can actually see that number moving in the right direction.
Because sometimes you need a reminder that you are making progress, even when it doesn't feel like it.
📊 Yearly Overview
Your budget is useful week-to-week, but sometimes it's helpful to zoom out.
The Yearly Overview lets you see your spending, saving and debt progress across the year.
You can see where your money has been going, which categories are taking up the most space in your budget and how you're progressing towards your goals.
It's the big picture without the overwhelm.
🗓️ Flexible Budget Dashboard
Not everyone gets paid or budgets in the same way.
That's why you can choose whether you budget weekly, fortnightly or monthly.
The dashboard then helps you work out what your money needs to do for that particular budget period.
Because your budget should work around your life - not the other way around.
The Goldilocks of budgeting spreadsheets.
I've tried to find that sweet spot between:
“This doesn't tell me enough.”
and
“WHAT ON EARTH AM I LOOKING AT?”
😂😂😂😂
I didn't want to create another spreadsheet with endless tabs, complicated formulas and information you'll never use.
But I also didn't want to make something so basic that it couldn't actually help you manage your money.
So I built something in the middle.
Enough information to help you make informed decisions.
Simple enough that you can (and DO) actually use it.
Flexible enough to fit your life.
And you don't have to figure it out by yourself.
When you purchase the spreadsheet, you don't just get a blank Google Sheet and a cheerful little “good luck!”
You'll also get:
✅ The complete Abundant Budget Spreadsheet
✅ Written instructions to help you set everything up
✅ A video walkthrough showing you how the spreadsheet works
✅ A flexible system that you can adapt to your own circumstances
So even if you're not super confident with spreadsheets...
I've got you.
"But Steph... I've tried budgeting before."
Yep.
ME TOO!
And that's why I don't want you buying this because you think you should be better with money.
I don't want you downloading it, using it for two weeks, feeling guilty when you don't stick to it perfectly, and then abandoning it.
✨This isn't a test.✨
You can't fail at budgeting.
Sure, there will be months where things don't go to plan.
There will be unexpected expenses.
There will be times you spend more than you intended.
There will be times when you just don't feel like updating your transactions.
That's life!
The goal isn't perfection.
The goal is to have a simple system you can come back to, one that makes 'sticking to it' easy to do from the get go.
This is for you if...
💻 You want to feel more organised with your money.
🔌 You want to stop being surprised by bills.
👀 You want to know where your money is actually going.
📈 You want to build savings without feeling like you're constantly depriving yourself.
📉 You want to pay down debt and actually see your progress.
😌 You want to make more intentional decisions about spending.
🫣 You've tried budgeting apps or spreadsheets before and found them overwhelming.
Or you simply want a simple place to keep everything together.
Most importantly...
You want to feel more confident and less stressed when you think about money.
And it might not be for you if...
🤖 You want a completely automated budgeting app that connects directly to your bank account.
🤓 You love tracking every possible financial metric.
🧮 You want hundreds of categories and complicated financial forecasting.
**And that's okay!
**There isn't one perfect way to manage money.
This is simply the system that I've found gives me the right amount of information without making me want to throw my laptop out the window.
(Not gonna lie... I've thought about it!)
😂
Why I made this...
I'm Steph, former 'head in the sand' gal turned budgeting enthusiast.
Seven years ago, I made my first budget because I was completely overwhelmed by money.
We had enough money coming in, but somehow there never seemed to be enough to pay everything.
Bills were going unpaid and I was SO FREAKING STRESSED.
I knew I needed to do something differently.
So I (messily) started budgeting.
Over time, I tried different methods and different spreadsheets and eventually started building my own.
I wanted something that showed me what I needed to know without making me spend hours analysing my finances.
💡Something that helped me prepare for bills.
💰 Something that helped me save.
📉 Something that helped me (finally) see my debt going down.
Something that gave me enough structure to keep me accountable, but enough flexibility to actually work in real life.
And eventually, that became the Abundant Budget Spreadsheet!
I've spent years tweaking my system, changing things that didn't work and keeping the things that did.
And now I'm sharing it with you!
You don't need to be perfect with money.
This isn't about never impulse spending again (you're human after all).
You don't need to say no to everything fun.
And you don't need to spend your Sunday night going cross-eyed doing calculations.
This is all just about knowing what's happening with your money.
Because when you know where your money is going, you can start making choices on purpose!
You can make room for the things you care about 🥳
You can prepare for the expenses you know are coming 🕵🏻♀️
You can work towards your goals 💪🏻
And you can spend money without that horrible feeling that you're doing something wrong.
That's what an abundant relationship with money looks like to me.
Ready to give your money a little more direction?
The Abundant Budget Spreadsheet.
Everything you need to create a budgeting system that works for your life.
Transaction Tracker & Bills Organiser
Savings, Sinking Funds & Debt Trackers
Yearly Overview & Flexible Budget Dashboard
Written & Video walkthrough instructions
A$16
A$19
One last thing...
A budget isn't there to stop you spending. It's there to help you decide what your money needs to cover, so you can spend on the things you care about without second-guessing every purchase.
Use the Abundant Budget Spreadsheet to make those decisions with more clarity and less stress.
A$16
A$19
The Abundant Budget Spreadsheet
Google Sheet Template
A$16
A$19