Nomazdiary Budget Planner | Google Sheets Spreadsheet

Know where every rand goes and where it’s taking you.

This is the budget planner I’d hand to a friend who is tired of guessing at month end.

Set up your budget in one place, then spend a few minutes each week recording your spending and updating your progress. The connected tabs and built-in formulas help you organise your bills, savings goals, debt repayments and net worth.

What’s inside

• START HERE setup page: Add your income, budget categories, savings goals and emergency fund target. Your setup feeds into the connected tabs.

• Bills setup: Add your bill amounts, due dates and payment accounts. Rename the accounts to match your own.

• 12 monthly tabs, January to December: Tick off paid bills, record everyday spending and see what’s left in your budget.

• Bill calendar: See when your bills are due each month.

• Savings dashboard: Track your emergency fund and sinking funds for goals such as holidays and school fees, alongside your tax-free savings contributions.

• Debt calculator and payoff plan: Choose the avalanche or snowball method and estimate your debt-free date. See how payments are split between interest and your balance, and explore potential interest savings.

• Debt tracker: Update your statement balances each month to follow your progress.

• Net worth tracker: List what you own and what you owe, then follow your net worth over time.

• Annual view: See your year at a glance and compare spending by category with your budget.

You’ll also get

• A step-by-step PDF guide with pictures of every tab.

• A video setup guide.

• Example figures to help you understand the planner before entering your own numbers.

Made for you if you…

• Want to organise your money in rands.

• Are paying off debt and want a clearer repayment plan.

• Are building an emergency fund or saving for specific goals.

• Want to understand your net worth and track it over time.

How it works

1. After purchasing, open your PDF and follow the link to make your own copy of the Google Sheets template.

2. Use the PDF or video guide to complete your setup.

3. Check in each week to record spending, tick off bills and update your progress.

Good to know

You’ll need a free Google account. The planner works in Google Sheets on a computer, tablet or phone. A computer is recommended for the initial setup and viewing the full spreadsheet.

This is a digital product; no physical item will be shipped. no refund available. For personal use only.

Debt payoff dates and interest savings are estimates based on the figures and assumptions entered. Update your actual balances regularly to keep your plan useful.

Every rand with a job. Every month with a plan. 💜