{"product_id":"sev-payday-budget-spreadsheet","title":"SEV Payday Budget Spreadsheet","description":"\u003cp\u003eMost budgets work by the month, but pay often arrives weekly, fortnightly, every four weeks, on the last working day or twice a month. This spreadsheet budgets by payday instead. Enter how you are paid and list your bills once, and it works out what each pay has to cover and what is left.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003ePaydays: every payday for the year ahead, in six pay patterns: weekly, fortnightly, every four weeks, monthly on a date, monthly on the last working day, and twice a month. A payday that falls at a weekend or on a bank holiday can move to the working day before or after, or stay as it is. You list your bank holidays on the Settings sheet.\u003c\/li\u003e\n\u003cli\u003eBills: monthly, weekly and annual bills, each placed in the pay period it falls in. A large or irregular bill can be spread evenly instead, with an equal set-aside from every pay.\u003c\/li\u003e\n\u003cli\u003eSavings and what is left: save a fixed amount or a percentage of pay each payday, and see what is left to spend, in total and per day.\u003c\/li\u003e\n\u003cli\u003eSpending and This Pay: log what you spend, with the date, and each line is matched to its payday. The This Pay sheet shows the current pay period: its bills in date order, and what is left now.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eA worked example shows a fictional person paid £1,150.00 fortnightly. For the first pay, bills and set-asides of £340.31 and savings of £50.00 leave £759.69 to spend, or £54.26 a day; after £187.95 of spending, £571.74 is left.\u003c\/p\u003e\u003cp\u003eWho it is for\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003ePeople paid weekly, fortnightly, every four weeks or twice a month, for whom a monthly budget never quite fits.\u003c\/li\u003e\n\u003cli\u003eAnyone who wants to know, on payday, what this pay has to cover before the next one.\u003c\/li\u003e\n\u003cli\u003ePeople who prefer a spreadsheet to a budgeting app, with their figures kept in their own file.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eSheet  —  What it does\u003c\/p\u003e\u003cp\u003eStart Here  —  How it works, your licence, and where to find free help with money worries\u003c\/p\u003e\u003cp\u003eThis Pay  —  The current pay period: the bills due, with dates, and what is left\u003c\/p\u003e\u003cp\u003eSettings  —  How often you are paid, your next payday, pay, the weekend and bank-holiday rule, savings, and your bank holidays\u003c\/p\u003e\u003cp\u003eBills  —  Every bill once: amount, how often, when it is due, and whether to spread it evenly\u003c\/p\u003e\u003cp\u003ePaydays  —  Every payday for the year ahead, and what each pay has to cover\u003c\/p\u003e\u003cp\u003eBill Grid  —  Worked out for you: what each bill takes from each pay period\u003c\/p\u003e\u003cp\u003eSpending  —  What you spend, each line matched to its payday\u003c\/p\u003e","brand":"SwordEyeVisions","offers":[{"title":"Default Title","offer_id":56257341129046,"sku":null,"price":9.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0919\/0827\/6566\/files\/sev-payday-budget-spreadsheet-01_this-pay-and-paydays.jpg?v=1793276827","url":"https:\/\/swordeyevisions.com\/products\/sev-payday-budget-spreadsheet","provider":"SwordEyeVisions","version":"1.0","type":"link"}