Take control of your money in 2026 — without stress, confusion, or arguments!

Most people don't have a money problem. They have a tracking problem.

You're earning. You're spending. But at the end of the month, you're not sure where it all went, and saving feels harder than it should.

That’s why I created this Tracker! Not a complicated spreadsheet. Not something you’ll abandon after one week.

But a clear, simple system that actually works for real life in the UK.

IN THIS TRACKER, YOU GET:

🎯 Goals Tracker — Set your financial goals with target amounts and dates. The tracker calculates exactly how much you need to save each month to get there. Progress updates automatically.

💰 Monthly Budget & Expense Log — Track every penny coming in and going out across 10 categories. Your savings rate calculates itself so you always know where you stand.

💵 Savings & ISA Tracker — Log your contributions, track your running total and see your remaining ISA allowance in real time. Includes a compound growth projector to show how your money grows over time.

🧾 Debt Tracker — List all your debts, track your balance going down month by month and choose your payoff strategy — Snowball or Avalanche — explained in plain English inside the tracker.

📅 Yearly Overview — See your full financial picture across 12 months. Includes an annual review section to reflect, reset and plan your next year.

📊 Dashboard — Your command centre. Opens to a live summary of your income, spending, savings rate and goal progress at a glance.

This tracker is for you if:

• You want to get serious about your money but don't know where to start

• You've tried budgeting apps but want something you actually control

• You're saving for something big — a home, a holiday, an emergency fund

• You're paying off debt and want a clear plan

• You want to start investing but need to sort your budget first

• You're new to the UK and want to understand how to manage your finances here

What You Get

✔ One Excel file (.xlsx) — works on Microsoft Excel, Mac & PC

✔ 7 colour-coded tabs, all linked together

✔ Dropdown menus throughout — just click and choose

✔ Step-by-step instructions built into the tracker

✔ Instant download — access it within seconds of purchase

I created this because I needed it myself. And if you’re trying to build a stable, organised life in the UK, this will help you do that with more clarity and less stress!