{"product_id":"zero-based-budget-spreadsheet-terracotta-64682","title":"Zero-Based Budget Spreadsheet: Terracotta Edition, Google Sheets, 9 Charts (Digital Download)","description":"\u003cp\u003eGive every dollar a job — with a complete zero-based budgeting system, not just a single tab. 🌾\u003c\/p\u003e\n\u003cp\u003eThe EasyVault Zero-Based Budget Spreadsheet turns the \"every dollar has a job\" method into a beautiful, connected Google Sheets system. Assign your income across 36 categories until your Available to Budget hits exactly $0 — then log spending and watch your envelope balances update automatically. Includes a live dashboard, transaction log, envelope balances, account tracking, and 9 charts, all in a warm, modern terracotta palette.\u003c\/p\u003e\n\u003cp\u003e✦ WHY ZERO-BASED BUDGETING WORKS:\u003cbr\u003e\nIncome − Expenses = Zero. Every dollar you earn gets assigned a purpose — rent, groceries, savings, debt, fun — before you spend it. Unassigned money tends to disappear into impulse buys; giving each dollar a name forces intentional, confident decisions. It's the method behind YNAB and Dave Ramsey's EveryDollar — now in a spreadsheet you own.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS A ONE-TAB TRACKER:\u003cbr\u003e\nMost zero-based templates are a single tab. EasyVault gives you a connected system: assign dollars on the Budget tab, log purchases on Transactions, and your Category Balances, Dashboard, and charts all update automatically. Overspent somewhere? Reassign from another category — your budget stays balanced.\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (9 TABS):\u003c\/p\u003e\n\u003cp\u003e🌾 Welcome — The zero-based method made simple, with a quick-start guide\u003cbr\u003e\n💵 Income — Log every dollar you expect this month\u003cbr\u003e\n📋 Budget — Assign every dollar across 36 categories until Available = $0 ⭐\u003cbr\u003e\n📊 Dashboard — Your Available-to-Budget counter, savings rate \u0026amp; charts\u003cbr\u003e\n🧾 Transactions — 150-row log that auto-updates your categories\u003cbr\u003e\n✉️ Category Balances — Envelope view: assigned − spent = what's left\u003cbr\u003e\n🏦 Accounts — Track balances across checking, savings, cash \u0026amp; more\u003cbr\u003e\n📈 Annual Trends — Income, spending \u0026amp; savings across the whole year\u003cbr\u003e\n📒 Guide \u0026amp; Notes — Zero-based budgeting explained, plus your notes\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• Live \"Available to Budget\" counter — assign until it hits $0\u003cbr\u003e\n• 36 categories organized into 9 intuitive groups\u003cbr\u003e\n• Envelope-style balances that update as you spend\u003cbr\u003e\n• 150-row transaction log with account tracking\u003cbr\u003e\n• Multiple account balances in one place\u003cbr\u003e\n• Savings rate + still-to-spend at a glance\u003cbr\u003e\n• Annual trends with a \"leftover\" chart (drive it to zero!)\u003cbr\u003e\n• 9 charts total — pie, doughnut, bar \u0026amp; line\u003cbr\u003e\n• Warm, modern terracotta design\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS (9 total):\u003cbr\u003e\n• Pie — Where your dollars are assigned (by group)\u003cbr\u003e\n• Pie — Spending by group\u003cbr\u003e\n• Bar — Assigned vs spent by group\u003cbr\u003e\n• Doughnut — Assigned vs unassigned\u003cbr\u003e\n• Bar — Assigned vs spent by category\u003cbr\u003e\n• Pie — Balance by account\u003cbr\u003e\n• Bar — Account balances\u003cbr\u003e\n• Line — Income, spending \u0026amp; savings over the year\u003cbr\u003e\n• Bar — Leftover (unbudgeted) by month\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nA prefilled SAMPLE spreadsheet shows the whole system working — income assigned to exactly $0, a month of transactions, envelope balances, accounts \u0026amp; annual trends — so you can see how it flows before adding your own numbers.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase \u0026amp; download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your income on the Income tab\u003cbr\u003e\n4. On the Budget tab, assign every dollar until Available to Budget = $0\u003cbr\u003e\n5. Log spending on Transactions — your envelopes update automatically!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Zero-Based Budget Spreadsheet (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Spreadsheet (Google Sheets — prefilled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• Also opens in Excel\u003cbr\u003e\n• Works with any currency\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ PERFECT FOR:\u003cbr\u003e\nFans of YNAB \u0026amp; EveryDollar who want to skip the subscription • Anyone who wants to know where every dollar goes • Envelope budgeters • Couples \u0026amp; families • Debt-payoff journeys • People who love a warm, cozy aesthetic\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhere others give you one tab, we give you a complete, connected zero-based system with 9 charts and an envelope view — beautiful, automatic, and built to make \"every dollar has a job\" effortless — for just $8.99.\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003ePlease note: This is a DIGITAL product. No physical item will be shipped. Listing images show example data for demonstration; the template is blank and ready for your input (a prefilled sample is included too).\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844835123428,"sku":"EV-FIN-3.13","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8473191745_8bi8.jpg?v=1789203083","url":"https:\/\/easyvault.store\/products\/zero-based-budget-spreadsheet-terracotta-64682","provider":"EasyVault","version":"1.0","type":"link"}