Worksheets, a calculator and a glossary.
Everything here works without an account. Calculators run in your browser; nothing you type is sent anywhere.
Goal planner
Enter what you are putting aside for and when you want it. The planner divides the goal by the number of months. It deliberately keeps the arithmetic simple: at the amounts most people set aside monthly, the habit matters far more than anything else, and the number stays honest.
If the monthly figure is more than your "set aside" line in the 50/30/20 split, the course on goals with dates walks through three options: a later date, a smaller goal, or a second income line.
Worksheets
- Monthly budget planner. Income, fixed costs, variable costs, occasional costs, what is set aside, what is left. One page.
- Spending tracker. A two-week sheet with six category columns for lesson 1 of Budgeting basics.
- Large purchase planner. Total cost including the extras, the date you want it by, and the monthly amount to set aside.
- Rainy-day cushion tracker. A target, a current balance and a thermometer to colour in.
- Online safety checklist. Passwords, two-step sign-in, and what to check first if something looks wrong.
Worksheets are provided as printable pages inside each course. Organisations can request editable versions by email.
How much per month?
Glossary
Plain-language definitions of the terms used across the courses. One sentence each where possible.
- Budget
- A plan for how what comes in will be spent and set aside over a period, usually a month.
- Direct debit
- An instruction letting an organisation collect varying amounts from your account on agreed dates, for example a utility bill.
- Fixed cost
- A cost that is the same each period, such as housing or a phone plan.
- Occasional cost
- A cost that arrives a few times a year, such as an annual bill or a birthday, and is easy to forget in a monthly plan.
- Rainy-day cushion
- An amount set aside for unplanned costs, such as a repair, so that they do not upset the month.
- Separate pot
- A separate place for an amount with a specific purpose, so that it is not mixed with everyday spending.
- Standing order
- An instruction to send a fixed amount to an account on a regular date, for example to a separate pot the day after payday.
- Statement
- A list of everything that came into and went out of an account over a period.
- Take-home pay
- The amount that actually arrives in your account after deductions; the number a budget starts from.
- Variable cost
- A cost that changes from period to period, such as groceries or fuel.
- Zero-based budget
- A method where every unit of income is given a job in advance, so that income minus planned spending and setting aside equals zero.