Family Budget + Net Worth Tracker (Excel + App, 50 lines)

Description

You can’t change a month you can’t see. This workbook shows you the shape of it — every dollar in, every dollar out, what you own, what you owe, and which single line is doing the most damage — from a mama who spent thirty years as a CFO reading other people’s numbers and then had to sit down with her own.

What’s inside

• Dashboard: the month at a glance — income, expenses, what’s left, savings rate, net worth, total debt, months of expenses saved, and years to your own net-worth goal. Seven category guides with a plain-words read: under the guide or over by 3%.
• Budget: take-home income and seven categories with fifty lines — housing, transportation, food, utilities, insurance, debt payments, everything else. Totals and the left-over calculate.
• Net Worth: eleven asset lines, nine liability lines, and the number. Negative is where most families start; you watch the direction.
• Debts: every debt with balance, rate and minimum, ranked two ways — avalanche (highest rate first) and snowball (smallest first) — plus how many months each takes on its minimum alone.
• Goals: eight milestones that read from the other tabs — the starter cushion, one, three and six months of expenses, debt-free, net worth above zero, the first $10,000, and your own goal.
• Monthly: twelve months of income, expenses and net worth, with savings rate and the year’s trend.

Yellow cells are yours. Everything else is formula. Opens in Excel; in Google Sheets use File → Import → Upload and every formula carries over.

Two formats, one price

Comes as the Excel workbook and a companion app — the Homefire Family Budget + Net Worth Tracker app: the same budget with guide bars, the same net worth and goals, on your phone at the grocery store, plus a Debts tab that runs the full payoff plan — the month each debt clears and the interest each method costs, so you can compare snowball and avalanche before you pick. itsasouthernlifeyall.com/app/family-budget/ (your Start Here download carries the link too).

What changes at your house

You know the one line to fix this month instead of feeling vaguely bad about all of them. You know how many months you could carry the house if a paycheck stopped. You know which debt goes first and roughly when it’s gone. And the number that used to live at 2 AM lives on a tab instead.

General education from a 30-year CFO, not investment, tax or legal advice. The guides are rules of thumb; a family of five in a high-cost town will run over on housing and that is a fact, not a failing.